Westamerica Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Time deposits $100k to $250k dropped 8.4% in Q2 2026, from $18.7M to $17.2M. It was the largest change from Q1 2026 among the key lines here. Within California, Westamerica Bank is 22nd of 114 on total deposits, $4.78B as of Q2 2026, above the middle of the field. Against a median of $1.67B for banks in the $1B-10B asset tier, Westamerica Bank reported $4.78B on total deposits in Q2 2026, 186% higher.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $4.78B |
| Domestic office deposits | $4.78B |
| Foreign office deposits | — |
| Deposits to total assets | 82.80% |
| Deposits to total liabilities | 92.50% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $2.14B |
| Savings deposits | $594.1M |
| Transaction accounts to domestic deposits | 64.04% |
| Time deposits | $1K |
| Time deposits under $100k | $38.1M |
| Time deposits $100k to $250k | $17.2M |
| Time deposits over $250k | $6.7M |
| Noninterest-bearing share of deposits | 44.89% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $4.77B |
| Core deposits to total deposits | 99.86% |
| Insured deposits | $2.41B |
| Uninsured deposits | $2.37B |
| Uninsured deposits to total deposits | 49.57% |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 0.47% |
| Interest expense on deposits | $3.1M |
| Loans and leases to core deposits | 14.02% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q3 2023 | $5.70B | 99.80% | 46.85% | 0.00% | 0.15% |
| Q4 2023 | $5.48B | 99.82% | 46.45% | 0.00% | 0.22% |
| Q1 2024 | $5.36B | 99.82% | 46.49% | 0.00% | 0.29% |
| Q2 2024 | $5.13B | 99.81% | 47.53% | 0.00% | 0.36% |
| Q3 2024 | $5.07B | 99.80% | 48.96% | 0.00% | 0.46% |
| Q4 2024 | $5.01B | 99.81% | 49.68% | 0.00% | 0.49% |
| Q1 2025 | $4.88B | 99.82% | 48.36% | 0.00% | 0.49% |
| Q2 2025 | $4.75B | 99.82% | 47.85% | 0.00% | 0.47% |
| Q3 2025 | $4.80B | 99.82% | 49.30% | 0.00% | 0.54% |
| Q4 2025 | $4.84B | 99.85% | 50.73% | 0.00% | 0.51% |
| Q1 2026 | $4.79B | 99.85% | 49.35% | 0.00% | 0.47% |
| Q2 2026 | $4.78B | 99.86% | 49.57% | 0.00% | 0.47% |
Westamerica Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Westamerica Bank, freeSource: Call Report Schedules RC-E and RC-O, 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)