# WESTSTAR BANK
EL PASO, TX · FDIC certificate 32941 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.28B | |
| Deposits | $2.85B | |
| Loans and leases | $2.52B | |
| Total equity | $383.4M | |
| Loans / deposits | 87.67% (p52 of band) | 87.10% |
| Liquid assets / assets | 18.90% (p41 of band) | |
| Uninsured deposits / deposits | 61.03% (p96 of band) | 30.76% |
| Brokered deposits | 0.61% | |
| Wholesale funding | 1.45% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.27% (p79 of band) | 10.50% |
| Unrealized securities loss / equity | -15.00% (p28 of band) | -7.75% |
| AOCI / equity | -1.38% (p11 of band) | |
| ROA (annualized) | 2.29% (p94 of band) | 1.26% |
| Net interest margin | 3.87% (p61 of band) | 3.70% |
| Efficiency ratio | 46.87% (p17 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p5 of band) | |
| Reserve coverage of noncurrent | 46021.82% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 86.51% (p82 of band) | |
| Auto loans | $140,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $77.3M (20% of equity) (p92 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 344 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | deposits shrinking |  |
| 2013-09 | 2 | assets shrinking |  |
| 2013-12 | 2 | capital falling, construction >100% equity | deposits shrinking, assets shrinking |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 0 |  | construction >100% equity |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits >50% |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 0 |  | uninsured deposits >50%, capital falling |
| 2019-09 | 1 | uninsured deposits >50% |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | construction >100% equity | uninsured deposits >50% |
| 2020-06 | 2 | uninsured deposits >50% |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | construction >100% equity, capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | construction >100% equity |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 2 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 2 | deposits shrinking |  |
| 2026-03 | 2 | run vulnerability | deposits shrinking |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-18 [City of El Paso staff recommended 3-year ban on contracts with WestStar Bank, subsidiaries - KTSM 9 News](https://news.google.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?oc=5) · KTSM 9 News
- 2026-08-27 [The Federal Home Loan Bank of Dallas and WestStar Bank Award $63K to Las Cruces, New Mexico, and El Paso, Texas, Nonprofits - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxNRkE4el8zVGZsbGtSZW9DdDk0aFJNZHJ0bktQX3FtN3VDM1FjNFYxcXhybnBhZUI1X3ZfQ0Q5N0VHMnMteHZWNGxsalV2OGF1UExSTTJ0RkRqS0xtN29jZmZTWHR1UlMtMjNSX05ORzgwTkc4cFZLUTg1VGdGTFpwLWY2NzNZMy1ReTAzZHZSTkV3bEM4TUE?oc=5) · Yahoo Finance
- 2026-07-02 [WestStar Bank executive becomes Vantage Bank's El Paso leader - El Paso Times](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNQk9CbFdNVlphTEhVak9pSkRYSWtqbFVCSXdXTTVYOE9SLWxCQlZhV1VSSV9vUUE0SXdJM1pJSk9FcHNTU1hoSG94TW9fN0pBWTZWcV9SVEZ3Mzl0eUIwZHE0ZlhPR29CZnlGNUlJeXVockFyVEg5cDM5MmlhTk42Rjd3Z0N3SU5JcmItSGZpMlY1dkVrQVdGV2NPQXlLYzhmMi1pMXlPT3A4eU5iS01EN1dtc2RMTUx0Uzdsd3RQOGxPa2JEUmNjX1YyN3EtTmJrZDdwQUU2Z0dlXzVOZ2NJZ3V6TWw5azdqX3dieXNuOA?oc=5) · El Paso Times
- 2026-01-05 [David Osborn, President and CEO, WestStar Bank - elpasoinc.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxPUjV3MXhMeVJ6QmJxdFNZMXlKM2g3cXhqZG40VDRPX1h5ZFdKeDFRZEhqNU0wMWZ4RTNFMU9FampsREllVEFNTkJhUjFLQWp0Nm9KeGJ2SnFHX0p3a1ZGcFlXU29ZMWp2a0JjWWJjRWlBMHZQX1kwTks5T0Q4ZEVCNERJakVVT0k1bUZIYnhlX1RCanYybUNqczFWei0wUE9zQWFGTlhPUlZ6ZlRtaXFXbXVZQnh5ZnY1Nndiag?oc=5) · elpasoinc.com
- 2026-07-15 [WestStar Bank names Yvonne Dorado chief accounting officer - KTSM 9 News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQM2RJaUR2SDd4YTlrUDdPZFQyNlRPQ1Jhek1TNkE3aV9OemU4cnRUMjN2SDBfNkZpUXczNU9JYTQ4dXJFbjdxRUQwOVViWUVveDZLWkZwMDhFRFdHSmpja1lqWEdCaU5IT3BFSjUxVEdJck1TYlJyc0s2enIzSl9VVEJ3a3pNVEg3dHN5cURn0gGTAUFVX3lxTE1zSVdMOEJFUlBCYlQwbDMtbjhLSlQ5c3BhQ2lkSUltX1FKV1RXV2YySEtmNXkzWVh4ZjhVYUs2LUhHZFFjOTJwV01hUmEtcjBfZUJjM01UQmJCdmtsMWZLMkNkNTY3LXlBQ09hUFBHM1hYdkt3M2VoVVdqTmNkSGpfSU5WOUdKa2JRd0huV1RLSXU5dw?oc=5) · KTSM 9 News
- 2026-03-19 [WestStar promotes Nicholas Alarcón - elpasoinc.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNUjNuWjR3bGZvSTRDOGFlbnB2c3BoNVV4TWEyS1lyczRlZUZ0YkpJOXc3ZFdWbTFvOEVDV0phUFY3WlZuaUJ2akRlX2Y3UGM0RGc3Q0o2Rm5uLTEyNC1VM3BnZFF6T2kzeVhTdTE1NjV3R25UZjQ4NVN2UHFicWszeTZQVHgtUkktTGlnSXgydk84dmhGREtBcl9MV2VxRjZ5by0teVhkRTk4eHk0TVg1c2hFZHIteXBnMHZKM1B4M0JpZmtaaUlveVJBSVNOeHVTZ05V?oc=5) · elpasoinc.com
- 2022-08-31 [UTEP Recognizes $1M Gift from WestStar Bank - The University of Texas at El Paso - UTEP](https://news.google.com/rss/articles/CBMiigFBVV95cUxNQkVYcGhnQjY4aV90elpqckxNbnFuY3U0bWpMeUhINjFGZTl6TDctY3FnTzkzZnRmSTNlYTVmbWNiOFlMWG1pejZWWGhieVF1T3ZQTmUydk5oazlvMGRHUEhOZzNfaVlxQ0JuYU13U0ZQVVBhVV9IVUsxR25ndVRRejlESTA2cFpnMmc?oc=5) · The University of Texas at El Paso - UTEP
- 2025-05-07 [David Osborn - S&P Global](https://news.google.com/rss/articles/CBMidEFVX3lxTFA3dllnQjJ0T0xGb3pOdGVTVVp2dkxqY0FaUUZ5UjJYdTh0cFpDSmRscVV0c0p2SHRBU3BfazI5MmFoOVREb3R0V0ZNemJkbDItMUVQMXpaaV9hdU5qWTFSb1dWLXZneUlCYWc2VTZiVG94Qkpp?oc=5) · S&P Global

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32941 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "32941", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide