WestStar Bank

500 North Mesa Street
El Paso, TX 79901

Notable Rates APY Vs.Others
Savings 0.25% 2.20% →
1-Year CD 1.11% 2.20% →
2-Year CD 1.41% 2.20% →
5-Year CD 1.56% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

WestStar Bank is an FDIC insured institution located in El Paso, TX. It was founded in 1990 and has approximately $1.86 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 32941
Date Established 1990
Assets $1.86 billion
Loans $1.35 billion
Deposits $1.60 billion
Capital $0.25 billion

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.

Deposit Rates - February 24, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $2,999 Learn MoreShow Less
Money Market
0.20% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.20% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.20% $25,000 $49,999 Learn MoreShow Less
0.55% $10,000 $99,999 Learn MoreShow Less
3 Mo CD
0.65% $100,000 - Learn MoreShow Less
0.65% $10,000 $99,999 Learn MoreShow Less
6 Mo CD
0.80% $100,000 - Learn MoreShow Less
0.80% $2,500 $99,999 Learn MoreShow Less
12 Mo CD
1.11% $100,000 - Learn MoreShow Less
24 Mo CD
1.16% $2,500 $99,999 Learn MoreShow Less
24 Mo CD
1.41% $100,000 - Learn MoreShow Less
36 Mo CD
1.21% $2,500 $99,999 Learn MoreShow Less
36 Mo CD
1.46% $100,000 - Learn MoreShow Less
48 Mo CD
1.26% $2,500 $99,999 Learn MoreShow Less
48 Mo CD
1.51% $100,000 - Learn MoreShow Less
60 Mo CD
1.31% $2,500 $99,999 Learn MoreShow Less
60 Mo CD
1.56% $100,000 - Learn MoreShow Less

Fixed IRA
0.80% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.70% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $3,000 $9,999 Learn MoreShow Less

Loan Rates - February 24, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: 13256
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to WestStar Bank
To upload and update your bank's rates please register. It is free to register and add rates.


WestStar Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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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
0.8% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, WestStar Bank had $2,138,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $252,589,000 in equity and $14,379,000 in loans loss reserves. That gives it a Texas Ratio of 0.8%.

Return on Equity
WestStar Bank U.S. Bank Average
20.34% 9.72%

WestStar Bank has a Return on Equity of 20.34% versus the BestCashCow average of 9.72%. 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
13.55% 12.89%

WestStar Bank has a Capitalization of 13.55% versus the BestCashCow average of 12.89. 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 September 30, 2019, WestStar Bank had assets of $1,863,705,000, loans of $1,352,758,000, and deposits of $1,601,803,000. 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.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.02 billion
Total securities $0.37 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.35 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.04 billion
All other assets $0.02 billion
     Total Assets $1.61 billion
Total deposits $1.60 billion
      Interest-bearing deposits $0.99 billion
      Deposits held in domestic offices $1.60 billion
      % insured (estimated) 49.93%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.61 billion
      Shareholders’ Equity $0.25 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.06 billion
Total Interest Expense $0.01 billion
Net interest income $0.06 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.04 billion

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 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 3.84
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 0.00
Construction and Development Loans 16.14
Commercial Real Estate 40.14
Commercial and Industrial Loans 21.69
Farm Loans 0.20

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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