Westamerica Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 1098.07 percentage points in Q2 2026, from 957.17% to 2055.24%. It was the largest change from Q1 2026 among the key lines here. Within California, Westamerica Bank is 16th of 114 on return on assets, 1.82% as of Q2 2026, above the middle of the field. Westamerica Bank reported 1.82% on return on assets for Q2 2026, 0.54 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.23% |
| Tier 1 risk-based capital ratio | 16.23% |
| Total risk-based capital ratio | 16.69% |
| Tier 1 leverage ratio | 10.27% |
| Equity capital to assets | 10.49% |
| Tangible equity to tangible assets | 8.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 0.16% |
| Allowance for credit losses to loans | 1.61% |
| Reserve coverage of non-performing loans | 2055.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 17.63% |
| Net interest margin | 3.76% |
| Efficiency ratio | 42.44% |
| Yield on earning assets | 4.00% |
| Cost of funds | 0.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 14.00% |
| Core deposits to total deposits | 99.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.80% |
| Securities to assets | 77.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.57% | 14.57% | 15.12% | 9.63% | 2.40% |
| Q4 2023 | 14.46% | 14.46% | 14.98% | 9.88% | 2.33% |
| Q1 2024 | 14.88% | 14.88% | 15.39% | 10.11% | 2.22% |
| Q2 2024 | 15.10% | 15.10% | 15.62% | 10.08% | 2.15% |
| Q3 2024 | 15.38% | 15.38% | 15.89% | 10.22% | 2.08% |
| Q4 2024 | 15.33% | 15.33% | 15.84% | 10.41% | 2.04% |
| Q1 2025 | 15.66% | 15.66% | 16.16% | 10.34% | 2.00% |
| Q2 2025 | 15.61% | 15.61% | 16.12% | 10.43% | 1.93% |
| Q3 2025 | 15.75% | 15.75% | 16.22% | 10.32% | 1.86% |
| Q4 2025 | 15.70% | 15.70% | 16.17% | 10.09% | 1.85% |
| Q1 2026 | 15.89% | 15.89% | 16.36% | 10.14% | 1.79% |
| Q2 2026 | 16.23% | 16.23% | 16.69% | 10.27% | 1.82% |
Westamerica Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Westamerica Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)