WestStar Bank

500 North Mesa Street
El Paso, TX 79901


General Bank Information

FDIC Insured Yes
FDIC Certificate # 32941
Date Established 1990
Assets $1.64 billion
Loans $1.10 billion
Deposits $1.41 billion
Capital $0.22 billion

WestStar Bank is an FDIC insured institution located in El Paso, TX. It was founded in 1990 and has approximately $1.64 billion in assets. Customers can open an account at one of its 17 branches.

For a more detailed analysis of WestStar Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in WestStar Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Texas, WestStar Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.54
Credit Card Loans 0.00
Consumer Auto Loans 0.07
Small Business Loans 7.32
Construction and Development Loans 17.65
Commercial Real Estate 34.48
Commercial and Industrial Loans 19.41
Farm Loans 0.46

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.25% $10,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.39% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.30% $10,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.41% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.26% $100 - Learn MoreShow Less
Fixed IRA 0K
0.60% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.45% $500 - Learn MoreShow Less
MM 2.5K
0.10% $1 $2,999 Learn MoreShow Less
MM 10K
0.15% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $74,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.02% $3,000 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for WestStar Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to WestStar Bank
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Weststar Bank Locations

Financial Details

WestStar Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of WestStar Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
WestStar Bank U.S. Bank Average
1.45% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, WestStar Bank had $3,174,000 in non-current loans and $133,000 in owned real estate. To cover these potential losses it had $220,161,000 in equity and $8,595,000 in loans loss reserves. That gives it a Texas Ratio of 1.45%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
WestStar Bank U.S. Bank Average
17.88% 8.58

WestStar Bank has a Return on Equity of 17.88% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

WestStar Bank U.S. Bank Average
13.42% 12.11

WestStar Bank has a Capitalization of 13.42% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

WestStar Bank Balance Sheet Analysis

As of June 30, 2017, WestStar Bank had assets of $1,640,969,000, loans of $1,099,181,000, and deposits of $1,413,285,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About WestStar Bank

Branches and Savings

Is WestStar Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32941.

Why does WestStar Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are WestStar Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is WestStar Bank a commercial bank?


Where are WestStar Bank locations?

See branch locations nearby.

Is WestStar Bank open on Saturdays?

Is WestStar Bank open on Sundays?

What time does WestStar Bank open?

What time does WestStar Bank close?

Are WestStar Bank ATMs Open 24/7?

Do WestStar Bank ATMs accept cash deposits?

Can WestStar Bank customers use other ATMs?

Do WestStar Bank branches have notaries?

Will WestStar Bank notarize my document?

What address for WestStar Bank should I put for incoming ACH transfers?

Will the WestStar Bank branch print checks?

Do WestStar Bank checks expire?

Does WestStar Bank require US citizenship to open account?

Can WestStar Bank close my account?

Does WestStar Bank Report to credit bureaus?

Does WestStar Bank Use Equifax?

What is WestStar Bank's ACH Routing Number?

What is WestStar Bank's SWIFT code?


Does WestStar Bank offer mortgages?

Compare mortgage rates here.

Does WestStar Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does WestStar Bank offer personal loans?

Compare personal loan rates here.

Does WestStar Bank offer student loans?

Will WestStar Bank cash a check?

Will WestStar Bank redeem a savings bond?

Does WestStar Bank cash savings bonds?

Will WestStar Bank cash money orders?

Can WestStar Bank issue a money order?

Does WestStar Bank do currency exchange?

Background on The Bank

Who owns WestStar Bank?

How long has WestStar Bank been around?

Can WestStar Bank transfer to other banks?

Does WestStar Bank have quick pay?

Does WestStar Bank accept rolled coins?

Will WestStar Bank accept loose change?

Where is WestStar Bank headquarters?

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