WESTAMERICA BANK

SAN RAFAEL, CA | Large | Est. Feb. 24, 1884, midnight | FDIC #3430 | RSSD #697763 | FED
Latest Report: 2025-12-31

WESTAMERICA BANK is aln large FDIC-insured commercial bank headquartered in SAN RAFAEL, CA, established in Feb. 24, 1884, midnight. As of 2025-12-31, the bank reported total assets of $5.9B and total deposits of $4.8B. Profitability stands at 1.88% ROA and 17.63% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 15.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.23%. FDIC Certificate #3430.

Assets

$5.9B

Deposits

$4.8B

Loans

$726M

Equity

$630M

Profitability

Return on Assets (ROA) 1.88%
Return on Equity (ROE) 17.63%
Net Interest Margin (NIM) 3.91%
Yield on Assets 4.17%
Cost of Funds 0.54%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.37%
Texas Ratio 0.23%
NPA Ratio 0.02%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 15.14%
Tier 1 Capital 15.14%
Total Capital Ratio 15.59%
Leverage Ratio 10.09%
Loan-to-Deposit 15.00%

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