Westamerica Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Westamerica Bank of San Rafael, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.82% | 1.43% | +0.39% | 81st top |
| ROAE | 17.63% | 12.50% | +5.13% | 83rd top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.76% | 3.84% | -0.08% | 53rd above |
| Efficiency Ratio | 42.44% | 58.89% | -16.45% | 90th top |
| PPNR / Avg Assets | 2.44% | 1.78% | +0.66% | 86th top |
| Yield on Earning Assets | 4.00% | 5.72% | -1.72% | 3rd bottom |
| Cost of Funds | 0.26% | 2.03% | -1.77% | 99th top |
| Net Interest Spread | 3.55% | 3.18% | +0.37% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.97% | -0.89% | 91st top |
| NPA / Total Assets | 0.01% | 0.75% | -0.74% | 95th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.21% | 0.31% | -0.10% | 18th bottom |
| ACL / Total Loans | 1.61% | 1.25% | +0.36% | 90th top |
| ACL / NPLs (Coverage) | 2055.24% | 697.33% | +1357.91% | — |
| Texas Ratio | 0.16% | 7.17% | -7.01% | 95th top |
| Provision / NCO | -62.11% | 815.69% | -877.80% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.23% | 17.41% | -1.18% | 79th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.23% | 17.45% | -1.22% | 78th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.69% | 18.50% | -1.81% | 75th top |
| Leverage Ratio | 10.27% | 11.60% | -1.33% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.49% | 11.33% | -0.84% | 52nd above |
| TCE / Tangible Assets | 8.45% | 10.65% | -2.20% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 14.00% | 86.43% | -72.43% | 99th top |
| Core Deposit Ratio | 99.86% | 85.54% | +14.32% | 99th top |
| Uninsured Deposit Ratio | 49.57% | 32.69% | +16.88% | 10th bottom |
| Wholesale Funding Ratio | 5.90% | 5.45% | +0.45% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.34% | 10.47% | -10.81% | 14th bottom |
| Loan Growth (Y/Y) | -10.62% | 8.01% | -18.63% | 2nd bottom |
| Deposit Growth (Y/Y) | 0.54% | 7.99% | -7.45% | 22nd bottom |
See Westamerica Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Westamerica Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Westamerica Bank profile, how to read a UBPR, or how this data updates.