Westamerica Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 9.6% lower than in Q1 2026, at -$117.6M. Westamerica Bank ranks 31st of 74 California banks on CET1 ratio, in the upper half at 16.23% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Westamerica Bank sits 2.75 points higher, at 16.23% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.23% |
| Tier 1 risk-based capital ratio | 16.23% |
| Total risk-based capital ratio | 16.69% |
| Tier 1 leverage ratio | 10.27% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $595.2M |
| Tier 1 capital | $595.2M |
| Total risk-based capital | $612.2M |
| Total equity capital | $604.8M |
| Risk-weighted assets | $3.67B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.49% |
| Tangible equity to tangible assets | 8.56% |
| Equity capital to average assets | 10.22% |
| Internal capital growth rate | 0.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $408.6M |
| Common stock surplus | $54.4M |
| Retained earnings | $253.5M |
| Preferred stock and surplus | $6.0M |
| Accumulated other comprehensive income | -$117.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.57% | 14.57% | 15.12% | 9.63% | $4.41B |
| Q4 2023 | 14.46% | 14.46% | 14.98% | 9.88% | $4.43B |
| Q1 2024 | 14.88% | 14.88% | 15.39% | 10.11% | $4.32B |
| Q2 2024 | 15.10% | 15.10% | 15.62% | 10.08% | $4.26B |
| Q3 2024 | 15.38% | 15.38% | 15.89% | 10.22% | $4.18B |
| Q4 2024 | 15.33% | 15.33% | 15.84% | 10.41% | $4.12B |
| Q1 2025 | 15.66% | 15.66% | 16.16% | 10.34% | $3.98B |
| Q2 2025 | 15.61% | 15.61% | 16.12% | 10.43% | $3.93B |
| Q3 2025 | 15.75% | 15.75% | 16.22% | 10.32% | $3.83B |
| Q4 2025 | 15.70% | 15.70% | 16.17% | 10.09% | $3.78B |
| Q1 2026 | 15.89% | 15.89% | 16.36% | 10.14% | $3.74B |
| Q2 2026 | 16.23% | 16.23% | 16.69% | 10.27% | $3.67B |
Westamerica Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Westamerica Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Westamerica Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3430) · FFIEC NIC profile (RSSD 697763)