Western Alliance Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Western Alliance Bank is the 34th-largest bank in the United States, with $98.6 billion in assets at June 30, 2026, up 13.8% from a year earlier. It is headquartered in Phoenix, Arizona, and operates 38 domestic branches. It funds 8.08% of its assets with Tier 1 capital, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 10.25%). It also carries problem assets equal to 9.6% of the capital and reserves that would absorb them, about double the median of 4.2% for banks its size. It has also been growing, with assets up 13.8% in a year.
Earnings jumped: net income for the quarter was $387 million, 62% above the same quarter a year earlier. Over the same year, loans grew 10.5% and deposits grew 15.3%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.81% a year earlier.
As of June 30, 2026, Western Alliance Bank reported a CET1 capital ratio of 11.58%, a return on assets of 1.56%, a nonperforming-loan ratio of 2.82% and a Texas ratio of 9.63%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1 E Washington St, Phoenix, AZ 85004
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 3, 2003
- Offices
- 38 domestic
- Employees (FTE)
- 4,084
- Domestic deposits
- $82.32B
- Allowance for credit losses
- $487.4M
- Net charge-offs (YTD)
- $263.6M
- Average total assets
- $99.06B
- Average total loans
- $65.15B
- Average interest-bearing deposits
- $54.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 3, 2003
- FDIC Cert
- 57512
- Fed RSSD
- 3138146
- SEC CIK
- 1212545 → filed by WESTERN ALLIANCE BANCORPORATION
- Parent Holding Company
- WESTERN ALLIANCE BANCORPORATION (RSSD 2349815) · WAL
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kenneth Vecchione | CEO | Chairman, President & CEO |
| Vishal Idnani | CFO | Chief Financial Officer |
| Timothy W Boothe | COO | Chief Operating Officer |
| Lynne Herndon | CCO | Chief Credit Officer |
| Emily Nachlas | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Western Alliance Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Western Alliance Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Western Alliance Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.58% | 1.56% | 2.82% | 9.63% | 3.50% |
| Q1 2026 | 11.61% | 0.73% | 2.82% | 8.98% | 3.48% |
| Q4 2025 | 11.76% | 1.17% | 2.41% | 9.56% | 3.51% |
| Q3 2025 | 12.30% | 1.07% | 2.08% | 9.48% | 3.54% |
| Q2 2025 | 12.20% | 1.10% | 1.92% | 9.79% | 3.48% |
| Q1 2025 | 11.97% | 0.94% | 1.88% | 8.02% | 3.39% |
| Q4 2024 | 12.15% | 1.08% | 1.88% | 7.99% | 3.48% |
| Q3 2024 | 12.12% | 1.01% | 1.69% | 5.54% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 38 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Biltmore Branch | Phoenix , AZ | 85016 | $25.85B |
| Western Alliance Bank (main office) | Phoenix , AZ | 85004 | $23.78B |
| Downtown San Diego Branch | San Diego , CA | 92101 | $7.92B |
| San Jose Branch | San Jose , CA | 95113 | $7.64B |
| Sahara Branch | Las Vegas , NV | 89102 | $3.83B |
| Oakland Branch | Oakland , CA | 94612 | $2.06B |
| Chandler Branch | Chandler , AZ | 85226 | $1.59B |
| Chicago Branch | Chicago , IL | 60606 | $1.55B |
| Downtown Los Angeles Branch | Los Angeles , CA | 90071 | $870.3M |
| Green Valley Branch | Henderson , NV | 89014 | $783.3M |
| Beverly Hills Branch | Beverly Hills , CA | 90210 | $718.1M |
| La Mesa Branch | La Mesa , CA | 91942 | $580.5M |
| Kietzke Branch | Reno , NV | 89511 | $499.1M |
| San Francisco Branch | San Francisco , CA | 94104 | $437.3M |
| Flagstaff Branch | Flagstaff , AZ | 86001 | $338.3M |
| Sparks Marina Branch | Sparks , NV | 89434 | $323.4M |
| Tucson Williams Centre Branch | Tucson , AZ | 85711 | $309.8M |
| New York Branch | New York , NY | 10022 | $275.3M |
| Centennial Hills Branch | Las Vegas , NV | 89149 | $270.7M |
| Hualapai Branch | Las Vegas , NV | 89117 | $261.3M |
| Siena Heights Branch | Henderson , NV | 89052 | $257.0M |
| Durango Branch | Las Vegas , NV | 89147 | $244.9M |
| Tucson Campbell Branch | Tucson , AZ | 85718 | $230.7M |
| Lake Mead Branch | Las Vegas , NV | 89128 | $229.0M |
| Denver Branch | Denver , CO | 80202 | $189.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 30, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2015 | Structure Change | Acquired Bridge Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2013 | Structure Change | Acquired Torrey Pines Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Structure Change | Acquired Centennial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2010 | Structure Change | Acquired First Independent Bank of Nevada Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Western Alliance Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 22.6% of deposits in AZ, rank 1 of 59 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,165 applications, 9 loans originated, $56.6M originated, across 49 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 25 loans, $24.2M approved, $969K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 23 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Western Alliance Bank
What are Western Alliance Bank's total assets?
As of the Q2 2026 filing, Western Alliance Bank reported total assets of $98.57 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Western Alliance Bank headquartered?
Western Alliance Bank is headquartered in Phoenix, AZ, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Western Alliance Bank founded?
Western Alliance Bank was established in 2003, per the FDIC institution directory.
Is Western Alliance Bank FDIC-insured?
Yes. Western Alliance Bank is an FDIC-insured commercial bank (FDIC Certificate #57512). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western Alliance Bank?
Western Alliance Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Western Alliance Bank's CET1 capital ratio?
Western Alliance Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.58% in its Q2 2026 call report, above regulatory requirements.
How many branches does Western Alliance Bank operate?
Western Alliance Bank operates 38 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western Alliance Bank's Texas Ratio?
Western Alliance Bank's Texas Ratio is 9.63% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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