WestStar Bank


500 North Mesa Street
El Paso, TX 79901
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.85% →
1-Year CD 0.40% 0.70% →
2-Year CD 0.40% 0.75% →
5-Year CD 0.40% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

WestStar Bank is an FDIC insured institution located in El Paso, TX. It was founded in 1990 and has approximately $2.52 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 32941
Date Established 1990
Assets $ 2.52 billion
Loans $ 1,567.09 million
Deposits $ 2.23 billion
Capital $ 274.32 million

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 - August 3, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.25% $100 - Learn More
Premium Money Market Account
0.06% $10,000 $24,999 Learn More
Premium Money Market Account
0.06% $25,000 $49,999 Learn More
6 Mo CD
0.30% $10,000 $99,999 Learn More
6 Mo CD
0.35% $100,000 - Learn More
12 Mo CD
0.35% $2,500 $99,999 Learn More
12 Mo CD
0.40% $100,000 - Learn More
24 Mo CD
0.35% $2,500 $99,999 Learn More
24 Mo CD
0.40% $100,000 - Learn More
36 Mo CD
0.35% $2,500 $99,999 Learn More
36 Mo CD
0.40% $100,000 - Learn More
48 Mo CD
0.35% $2,500 $99,999 Learn More
48 Mo CD
0.40% $100,000 - Learn More
60 Mo CD
0.35% $2,500 $99,999 Learn More
60 Mo CD
0.40% $100,000 - Learn More


Loan Rates - August 3, 2021

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 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.531% 2.500%
0.38 points
$1,022 fees
$988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info

Note to WestStar Bank
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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
0.73% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2021, WestStar Bank had $2,141,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $274,316,000 in equity and $20,538,000 in loans loss reserves. That gives it a Texas Ratio of 0.73%.

Return on Equity
WestStar Bank U.S. Bank Average
20.59% 11.43%

WestStar Bank has a Return on Equity of 20.59% versus the BestCashCow average of 11.43%. 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
10.88% 11.51%

WestStar Bank has a Capitalization of 10.88% versus the BestCashCow average of 11.51. 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 March 31, 2021, WestStar Bank had assets of $2,520,224,000, loans of $1,567,087,000, and deposits of $2,228,707,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 296.20 million
Interest-bearing balances $ 264.73 million
Total securities $ 507.97 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,567.09 million
Loan loss allowance $ 20.54 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 42.52 million
All other assets $ 34.19 million
     Total Assets $ 2.25 billion
Total deposits $ 2.23 billion
      Interest-bearing deposits $ 1,273.35 million
      Deposits held in domestic offices $ 2.23 billion
      % insured (estimated) 47.54%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 17.20 million
      Total Liabilities $ 2.25 billion
      Shareholders’ Equity $ 274.32 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 21.75 million
Total Interest Expense $ 0.61 million
Net interest income $ 21.15 million
Provision for loan and lease losses $ 0.60 million
Total non interest income $ 6.60 million
Total non interest expense $ 13.10 million
Pre-tax Net Operating Income $ 14.05 million

Bank Loan Profile?

The top three loan types in WestStar Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, 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 3.40
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 0.00
Construction and Development Loans 16.80
Commercial Real Estate 30.87
Commercial and Industrial Loans 32.80
Farm Loans 0.13

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?

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Are Weststar Bank ATMs Open 24/7?

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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?

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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?

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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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