WestStar Bank

What sets WestStar Bank apart

• Few banks of $1 bn to $10 bn report a higher uninsured share of domestic deposits than WestStar Bank, at 61.03% in Q2 2026 against a group median of 32.61%.
• WestStar Bank has one of the highest return on assets (ROA) readings among banks of $1 bn to $10 bn: 2.29% at Q2 2026, against a median of 1.32% across 339 banks.
• At 19.53%, the return on equity (ROE) of WestStar Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 12.68%.

How large is WestStar Bank?

The balance sheet of WestStar Bank at Q2 2026: assets $3.3 bn, deposits $2.8 bn, net loans $2.5 bn (loans equal to 87.67% of deposits). Securities make up 17.6% of total assets at WestStar Bank. Since Q1 2016, when WestStar Bank held $1.2 bn, its assets grew 164.9%. In the year to Q2 2026, deposits at WestStar Bank fell 1.1% while its total assets rose 1.2%. At Q2 2026, WestStar Bank employed 344 full-time equivalent staff across 14 offices, about $9.5 mn of assets per employee and $203.5 mn of deposits per office.

How much funding at WestStar Bank is uninsured?

At WestStar Bank, uninsured deposits (above the FDIC limit) made up 61.03% of domestic deposits at Q2 2026 (+3.61 pp on a year earlier); WestStar Bank ranks 26th of 500 on this measure. In dollars, WestStar Bank estimated $1.7 bn of uninsured deposits.

Key facts, Q2 2026

US rank of WestStar Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of WestStar Bank stood at 13.13% in Q2 2026, -0.09 pp year on year. Low and high at WestStar Bank since Q1 2016: 10.73% (Q3 2016) to 13.78% (Q3 2025). Equity capital of WestStar Bank at Q2 2026: $383.4 mn, or 11.7% of total assets. WestStar Bank also reported a total capital ratio of 14.07% for Q2 2026, and a tier 1 leverage ratio of 12.27%.

On held-to-maturity securities, WestStar Bank carried an unrealized loss of $4.1 mn at Q2 2026, equal to 1.1% of equity capital. The loss widened by $789,000 over the year. Its deepest point: $7.6 mn in Q3 2023. The available-for-sale portfolio of WestStar Bank showed an unrealized loss of $52.6 mn at Q2 2026; the loss narrowed by $12.4 mn over the year.

For the year to Q2 2026, WestStar Bank earned a return on equity of 19.53%; return on assets: 2.29%. Net interest margin at WestStar Bank: 3.87%, +0.50 pp in a year. WestStar Bank net income: $36.6 mn, up 21.4% year on year. The efficiency ratio of WestStar Bank was 46.87%: about 47 cents cost per revenue dollar, against 63 cents at the median peer.

At Q2 2026, noncurrent loans were 0.00% of total loans at WestStar Bank; net charge-offs: -0.01% of average loans. Gross loans and leases at WestStar Bank: $2.5 bn, up 9.5% in a year.

The peer group of WestStar Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 1 shares the charter type of WestStar Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Texas. Against them, WestStar Bank shows CET1 ratio 13.13% against a peer median of 15.39%, return on equity 19.53% against a peer median of 12.34% and uninsured deposit share 61.03% against a peer median of 37.29%.

The FDIC history of WestStar Bank, oldest first; figures before and after each event are not like for like.

1. 1 August 2016. Absorbed First National Bank (FDIC certificate 3191).

Large one-quarter moves at WestStar Bank

• Total assets at WestStar Bank changed by +26.1% in the quarter to 2016-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First National Bank.