BlastPoint's Banking Scorecard
WestStar Bank
Community
Specialty: Commercial
TX
FDIC cert 32941
El Paso, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
WestStar Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 33% in Community
- + Revenue Diversifier: Top 47% in Community
- + Delinquency Rate 0.62% below tier
- + Non-Interest-Bearing Deposit Share 13.46% above tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 1% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
-1.8% YoY
+0.4% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.4B
+4.2% YoY
+5.5% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.7B
-5.8% YoY
-1.8% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
2.00%
+15.5% YoY
+1.7% QoQ
|
+0.83% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.52%
+13.3% YoY
+1.6% QoQ
|
-0.14% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
49.40%
-2.9% YoY
+0.1% QoQ
|
-13.23% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
0.01%
-95.9% YoY
-37.5% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
87.36%
+10.5% YoY
+7.5% QoQ
|
+4.30% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
34.51%
+9.1% YoY
-1.5% QoQ
|
+13.46% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-95.6% YoY
-34.3% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
13.15%
+4.0% YoY
-4.6% QoQ
|
+2.90% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.81%
-20.6% YoY
+37.5% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (5)
Profitability Leader
growth
#124 of 371 · Top 33% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.00%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#174 of 371 · Top 47% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.81%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.00%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Why this stands out
Current:
34.51%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Capital Constraint
risk
#1 of 47 · Bottom 1% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
87.36%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.15%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.51% · Tier avg: 21.05%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.16%
85
85th pctile
Efficiency Ratio
Current: 49.40% · Tier avg: 62.63%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 10.24%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.36% · Tier avg: 83.06%
43
43th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.66%
Top Weaknesses
43
43th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.66%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.36% · Tier avg: 83.06%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 10.24%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
85
85th pctile
Efficiency Ratio
Current: 49.40% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.16%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.51% · Tier avg: 21.05%
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
95
95th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%