Westamerica Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.64 percentage points lower than in Q1 2026, at 56.10%. On loan-to-deposit ratio, Westamerica Bank is 4th from the bottom among 114 California banks, 14.00% (Q2 2026). Westamerica Bank's loan-to-deposit ratio of 14.00% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 74.20 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $668.8M |
| Net loans and leases | $658.0M |
| Loans held for sale | $0 |
| Loans to total assets | 11.60% |
| Loan-to-deposit ratio | 14.00% |
| Net loans to equity capital | 1.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 66.20% |
| Multifamily (5+ residential) | 0.92% |
| Commercial and industrial | 10.82% |
| Consumer | 13.77% |
| Credit cards | 0.00% |
| Farm | 1.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.10% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.69% |
| Interest income on loans | $9.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $885.9M | $5.70B | 53.59% | 8.89% | 25.84% |
| Q4 2023 | $866.6M | $5.48B | 54.05% | 9.44% | 25.07% |
| Q1 2024 | $844.7M | $5.36B | 55.63% | 8.80% | 24.43% |
| Q2 2024 | $831.8M | $5.13B | 56.57% | 9.22% | 23.04% |
| Q3 2024 | $834.0M | $5.07B | 58.26% | 9.63% | 21.31% |
| Q4 2024 | $820.3M | $5.01B | 59.81% | 9.13% | 19.91% |
| Q1 2025 | $771.0M | $4.88B | 61.31% | 9.63% | 19.29% |
| Q2 2025 | $748.3M | $4.75B | 62.52% | 10.09% | 18.11% |
| Q3 2025 | $741.6M | $4.80B | 63.53% | 10.49% | 16.67% |
| Q4 2025 | $726.5M | $4.84B | 63.96% | 10.79% | 15.62% |
| Q1 2026 | $696.2M | $4.79B | 65.32% | 10.69% | 14.79% |
| Q2 2026 | $668.8M | $4.78B | 66.20% | 10.82% | 13.77% |
Westamerica Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Westamerica Bank, freeSource: Call Report Schedule RC-C, 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)