Westamerica Bank
BankRegReports is independent of Westamerica Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Westamerica Bank is an FDIC-insured commercial bank headquartered in San Rafael, CA, established in 1884 (FDIC certificate 3430), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $5.77B, down 0.3% from Q2 2025, the 21st largest of 113 banks headquartered in California. Its CET1 capital ratio was 16.23% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3430
- Headquarters
- San Rafael, CA
- Established
- 1884
- Total assets, Q2 2026
- $5.77B
- Assets vs Q2 2025
- -0.3%
- CET1 ratio, Q2 2026
- 16.23%
- Domestic offices
- 75 FDIC institution directory, current count
- Routing number
- 121140218
- Latest call report
- Q2 2026, FFIEC 041 · Westamerica Bank call report
- Holding company
- WESTAMERICA BANCORPORATION
- Asset rank in state
- 21st of 113 in California
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%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Westamerica Bank is the 21st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $5.77B, loans fell 3.9% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 49.8% of total loans, ahead of owner-occupied commercial real estate loans at 16.4%. The FDIC Summary of Deposits lists 75 offices for it, in 62 cities in CA; its San Rafael 3 offices book 7% of its branch deposits. On its Q2 2026 call report, Westamerica Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 75 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Westamerica Bank's total assets ran between $5.77B (Q2 2026) and $6.52B (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.77B total assets against $5.79B; $5.16B total liabilities against $5.16B.
$658.0M net loans and leases against $734.5M; $4.78B total deposits against $4.75B.
$4.45B securities against $4.06B; $303.0M cash and balances due against $627.2M.
$55.6M total interest income against $57.3M; $3.4M total interest expense against $3.2M.
$52.2M net interest income against $54.0M.
$10.6M total noninterest income against $10.5M; $26.8M total noninterest expense against $25.7M.
$0 provision for credit losses against $0.
$26.9M net income against $28.9M.
1.82% return on assets against 1.93%; 3.76% net interest margin against 3.84%.
16.23% CET1 capital ratio against 15.61%; 10.27% tier 1 leverage ratio against 10.43%.
Inside the full Westamerica Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWestamerica Bank rankings
Its closest position to the top of a national ranking is 251 of 4,196, for total assets; its furthest is 3,181 of 3,640, for Texas Ratio.
Metric pages for Westamerica Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.79% (Q1 2026) to 2.08% (Q3 2024) and its net interest margin ran from 3.71% (Q1 2026) to 4.11% (Q3 2024).
| 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
View all 75 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Westamerica Bank’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Westamerica Bank headquartered?
It is headquartered in San Rafael, CA, United States.
When was Westamerica Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Westamerica Bank FDIC-insured?
Yes. It 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.
What is Westamerica Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
Go deeper on Westamerica Bank.
Get an email when Westamerica Bank files its next call report, and benchmark it against any peer you choose.
Unlock Westamerica Bank, freeFree account