Westamerica Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Westamerica Bank, based in San Rafael, California, reported $5.8 billion in assets at June 30, 2026. It pays an average of 0.26% on its deposits and borrowings, a small fraction of the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 0.6 times its capital, a small fraction of the median of 2.2 times for banks its size.
Its $72 million commercial and industrial book is improving, with 0.47% past due or on nonaccrual, down from 4.81% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 10.6% and deposits rose 0.5%. One more trend to watch: unrealized losses on its securities total $184 million, equal to 31% of Tier 1 capital, against 30% a year earlier.
As of June 30, 2026, Westamerica Bank reported a CET1 capital ratio of 16.23%, a return on assets of 1.82%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.16%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1108 5th Ave, San Rafael, CA 94901
- County
- Marin
- Metro Area
- San Francisco-Oakland-Fremont, CA
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 24, 1884
- Former names
- Westamerica Bank, National Association (1983-1993); The First National Bank of Mendocino County (1980-1983)
- Offices
- 75 domestic
- Employees (FTE)
- 573
- Domestic deposits
- $4.78B
- Allowance for credit losses
- $10.8M
- Net charge-offs (YTD)
- $483K
- Average total assets
- $5.92B
- Average total loans
- $682.9M
- Average interest-bearing deposits
- $2.63B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3430
- Fed RSSD
- 697763
- SEC CIK
- 311094 → filed by WESTAMERICA BANCORPORATION
- Website
- www.westamerica.com →
- Parent Holding Company
- WESTAMERICA BANCORPORATION (RSSD 1025541) · WABC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David L Payne | CEO | Chairman, President & CEO |
| Jonas Anela Marya | CFO | SVP/CFO |
| Brian J Donohoe | CIO | SVP/Chief Information Officer |
| Mihalik Matthew John | TREAS | SVP/Treasurer |
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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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 Westamerica Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Westamerica Bank, freeWestamerica 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.
Metric pages for Westamerica Bank: Uninsured deposits.
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 | 16.23% | 1.82% | 0.12% | 0.16% | 3.76% |
| Q1 2026 | 15.89% | 1.79% | 0.21% | 0.29% | 3.71% |
| Q4 2025 | 15.70% | 1.85% | 0.25% | 0.35% | 3.76% |
| Q3 2025 | 15.75% | 1.86% | 0.36% | 0.51% | 3.81% |
| Q2 2025 | 15.61% | 1.93% | 0.66% | 0.96% | 3.84% |
| Q1 2025 | 15.66% | 2.00% | 0.04% | 0.05% | 3.87% |
| Q4 2024 | 15.33% | 2.04% | 0.09% | 0.15% | 4.03% |
| Q3 2024 | 15.38% | 2.08% | 0.11% | 0.17% | 4.11% |
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 75 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Westamerica Bank (main office) | San Rafael , CA | 94901 | $210.8M |
| Merced Downtown Branch | Merced , CA | 95340 | $183.5M |
| Novato Branch | Novato , CA | 94945 | $177.4M |
| Sonoma Branch | Sonoma , CA | 95476 | $146.2M |
| Turlock Geer Road Branch | Turlock , CA | 95382 | $144.7M |
| Washington Square Branch | Petaluma , CA | 94954 | $107.5M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $105.1M |
| Kingsburg Branch | Kingsburg , CA | 93631 | $95.8M |
| North Napa Branch | Napa , CA | 94558 | $93.5M |
| Sausalito Branch | Sausalito , CA | 94965 | $92.7M |
| Sebastopol Branch | Sebastopol , CA | 95472 | $92.3M |
| Livingston Branch | Livingston , CA | 95334 | $89.7M |
| Mchenry Branch | Modesto , CA | 95350 | $89.4M |
| Santa Rosa Branch | Santa Rosa , CA | 95404 | $87.7M |
| Capitol Branch | Sacramento , CA | 95814 | $86.8M |
| Mariposa Branch | Mariposa , CA | 95338 | $86.4M |
| Dos Palos Branch | Dos Palos , CA | 93620 | $81.2M |
| Shafter Branch | Shafter , CA | 93263 | $80.5M |
| Muir Station Branch | Martinez , CA | 94553 | $77.6M |
| Kerman Branch | Kerman , CA | 93630 | $72.6M |
| Fairfield Branch | Fairfield , CA | 94534 | $71.2M |
| Ignacio Branch | Novato , CA | 94949 | $68.9M |
| Lakeport Branch | Lakeport , CA | 95453 | $68.2M |
| Madera Branch | Madera , CA | 93637 | $68.2M |
| Merced Olive Branch | Merced , CA | 95348 | $66.2M |
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 |
|---|---|---|---|
| August 21, 2010 | Structure Change | Acquired Sonoma Valley Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 21, 2010 | M&A | Acquired Sonoma Valley Bank failure_government_assistance_provided for the acquired bank | SEC |
| August 20, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 7, 2009 | Structure Change | Acquired County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 7, 2009 | M&A | Acquired County Bank failure_government_assistance_provided for the acquired bank | SEC |
| February 6, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 12, 2005 | Structure Change | Acquired National Bank of the Redwoods Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2005 | M&A | Acquired National Bank of the Redwoods merger for the acquired bank | SEC |
| June 22, 2002 | M&A | Acquired Kerman State Bank merger for the acquired bank | SEC |
| June 22, 2002 | Structure Change | Acquired Kerman State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 21, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2000 | M&A | Acquired First Counties Bank merger for the acquired bank | SEC |
| September 16, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2000 | Structure Change | Acquired First Counties Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 2000 | M&A | Acquired Bank of Lake County merger for the acquired bank | SEC |
| August 19, 2000 | Structure Change | Acquired Bank of Lake County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 21, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 21, 1997 | Structure Change | Acquired Valliwide Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 21, 1997 | M&A | Acquired Valliwide Bank merger for the acquired bank | SEC |
| April 13, 1996 | Structure Change | Acquired Napa Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 13, 1996 | M&A | Acquired Napa Valley Bank merger for the acquired bank | SEC |
| April 12, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 1996 | M&A | Acquired Westamerica Property Company merger for the acquired bank | SEC |
| February 22, 1996 | Structure Change | Acquired Westamerica Property Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 1995 | Structure Change | Acquired Novato National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 1995 | M&A | Acquired Novato National Bank merger for the acquired bank | SEC |
| June 10, 1995 | Structure Change | Acquired CapitolBank Sacramento Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 10, 1995 | M&A | Acquired CapitolBank Sacramento merger for the acquired bank | SEC |
| February 25, 1995 | Structure Change | Acquired Pacific Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 25, 1995 | M&A | Acquired Pacific Valley National Bank merger for the acquired bank | SEC |
| February 24, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 22, 1993 | M&A | Acquired Suisun Valley Bank merger for the acquired bank | SEC |
| May 22, 1993 | Structure Change | Acquired Suisun Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 29, 1992 | Structure Change | Acquired John Muir National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 29, 1992 | M&A | Acquired John Muir National Bank merger for the acquired bank | SEC |
| February 28, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1985 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| November 1, 1985 | M&A | merger | SEC |
| October 31, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1983 | Structure Change | Acquired Bank of Sonoma County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1983 | M&A | merger | SEC |
| July 1, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 47 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Westamerica 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
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action February 5, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in CA, rank 37 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $1.0M approved, $168K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. 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 Westamerica Bank
What are Westamerica Bank's total assets?
As of the Q2 2026 filing, Westamerica Bank reported total assets of $5.77 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Westamerica Bank headquartered?
Westamerica Bank is headquartered in San Rafael, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Westamerica Bank founded?
Westamerica Bank was established in 1884, per the FDIC institution directory.
Is Westamerica Bank FDIC-insured?
Yes. Westamerica Bank is an FDIC-insured commercial bank (FDIC Certificate #3430). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Westamerica Bank?
Westamerica 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 Westamerica Bank's CET1 capital ratio?
Westamerica Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.23% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Westamerica Bank operate?
Westamerica Bank operates 75 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Westamerica Bank's Texas Ratio?
Westamerica Bank's Texas Ratio is 0.16% 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.
What was Westamerica Bank previously called?
The charter now named Westamerica Bank has also operated as Westamerica Bank, National Association (1983-1993), The First National Bank of Mendocino County (1980-1983), per FDIC structure-change records.
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