Western Alliance Bank
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Data as of · sourced from FFIEC call reports. How we update
Western Alliance Bank is an FDIC-insured commercial bank headquartered in Phoenix, AZ, established in 2003 (FDIC certificate 57512), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $98.57B, up 13.8% from Q2 2025, the 2nd largest of 12 banks headquartered in Arizona. Its CET1 capital ratio was 11.58% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57512
- Headquarters
- Phoenix, AZ
- Established
- 2003
- Total assets, Q2 2026
- $98.57B
- Assets vs Q2 2025
- +13.8%
- CET1 ratio, Q2 2026
- 11.58%
- Domestic offices
- 38 FDIC institution directory, current count
- Routing number
- 122105980
- Latest call report
- Q2 2026, FFIEC 041 · Western Alliance Bank call report
- Holding company
- WESTERN ALLIANCE BANCORPORATION
- Asset rank in state
- 2nd of 12 in Arizona
Western Alliance Bank is the 34th-largest bank in the United States, with $98.6 billion in assets at June 30, 2026, up 13.8% from a year earlier. It is headquartered in Phoenix, Arizona, and operates 38 domestic branches. It funds 8.08% of its assets with Tier 1 capital, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 10.25%). It also carries problem assets equal to 9.6% of the capital and reserves that would absorb them, about double the median of 4.2% for banks its size. It has also been growing, with assets up 13.8% in a year.
Earnings jumped: net income for the quarter was $387 million, 62% above the same quarter a year earlier. Over the same year, loans grew 10.5% and deposits grew 15.3%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.81% a year earlier.
As of June 30, 2026, Western Alliance Bank reported a CET1 capital ratio of 11.58%, a return on assets of 1.56%, a nonperforming-loan ratio of 2.82% and a Texas ratio of 9.63%. The figures come from its call report filed with the FFIEC.
Of the 12 banks headquartered in Arizona, Western Alliance Bank is the 2nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $98.57B, loans rose 3.7% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.0% of total loans, ahead of loans to nondepository financial institutions at 24.1%. The FDIC Summary of Deposits lists 38 offices for it, in 26 cities across 6 states; its Phoenix 2 offices book 60% of its branch deposits. Judged on its Q2 2026 call report, Western Alliance Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 E Washington St, Phoenix, AZ 85004
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 3, 2003
- Domestic offices
- 38 FDIC institution directory, current count
- Employees (FTE)
- 4,084
- Domestic deposits
- $82.32B
- Allowance for credit losses
- $487.4M
- Net charge-offs (YTD)
- $263.6M
- Average total assets
- $99.06B
- Average total loans
- $65.15B
- Average interest-bearing deposits
- $54.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 3, 2003
- FDIC Cert
- 57512
- Fed RSSD
- 3138146
- SEC CIK
- 1212545 → filed by WESTERN ALLIANCE BANCORPORATION
- Parent Holding Company
- WESTERN ALLIANCE BANCORPORATION (RSSD 2349815) · WAL
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kenneth Vecchione | CEO | Chairman, President & CEO |
| Vishal Idnani | CFO | Chief Financial Officer |
| Timothy W Boothe | COO | Chief Operating Officer |
| Lynne Herndon | CCO | Chief Credit Officer |
| Emily Nachlas | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Western Alliance Bank's total assets ran between $70.54B (Q3 2023) and $98.77B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$98.57B total assets against $86.62B; $90.34B total liabilities against $78.93B.
$65.09B net loans and leases against $58.94B; $82.32B total deposits against $71.38B.
$20.59B securities against $18.52B; $5.94B cash and balances due against $2.77B.
$1.23B total interest income against $1.15B; $430.8M total interest expense against $453.2M.
$799.8M net interest income against $700.1M.
$404.9M total noninterest income against $132.1M; $637.5M total noninterest expense against $501.7M.
$80.4M provision for credit losses against $39.9M.
$387.1M net income against $238.4M.
1.56% return on assets against 1.10%; 3.50% net interest margin against 3.48%.
11.58% CET1 capital ratio against 12.20%; 8.08% tier 1 leverage ratio against 8.62%.
Inside the full Western Alliance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Western Alliance Bank rankings
Its closest position to the top of a national ranking is 34 of 4,196, for total assets; its furthest is 1,829 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.73% (Q1 2026) to 1.56% (Q2 2026) and its net interest margin ran from 3.39% (Q1 2025) to 3.61% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.58% | 1.56% | 2.82% | 9.63% | 3.50% |
| Q1 2026 | 11.61% | 0.73% | 2.82% | 8.98% | 3.48% |
| Q4 2025 | 11.76% | 1.17% | 2.41% | 9.56% | 3.51% |
| Q3 2025 | 12.30% | 1.07% | 2.08% | 9.48% | 3.54% |
| Q2 2025 | 12.20% | 1.10% | 1.92% | 9.79% | 3.48% |
| Q1 2025 | 11.97% | 0.94% | 1.88% | 8.02% | 3.39% |
| Q4 2024 | 12.15% | 1.08% | 1.88% | 7.99% | 3.48% |
| Q3 2024 | 12.12% | 1.01% | 1.69% | 5.54% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 38 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Biltmore Branch | Phoenix , AZ | 85016 | $25.85B |
| Western Alliance Bank (main office) | Phoenix , AZ | 85004 | $23.78B |
| Downtown San Diego Branch | San Diego , CA | 92101 | $7.92B |
| San Jose Branch | San Jose , CA | 95113 | $7.64B |
| Sahara Branch | Las Vegas , NV | 89102 | $3.83B |
| Oakland Branch | Oakland , CA | 94612 | $2.06B |
| Chandler Branch | Chandler , AZ | 85226 | $1.59B |
| Chicago Branch | Chicago , IL | 60606 | $1.55B |
| Downtown Los Angeles Branch | Los Angeles , CA | 90071 | $870.3M |
| Green Valley Branch | Henderson , NV | 89014 | $783.3M |
| Beverly Hills Branch | Beverly Hills , CA | 90210 | $718.1M |
| La Mesa Branch | La Mesa , CA | 91942 | $580.5M |
| Kietzke Branch | Reno , NV | 89511 | $499.1M |
| San Francisco Branch | San Francisco , CA | 94104 | $437.3M |
| Flagstaff Branch | Flagstaff , AZ | 86001 | $338.3M |
| Sparks Marina Branch | Sparks , NV | 89434 | $323.4M |
| Tucson Williams Centre Branch | Tucson , AZ | 85711 | $309.8M |
| New York Branch | New York , NY | 10022 | $275.3M |
| Centennial Hills Branch | Las Vegas , NV | 89149 | $270.7M |
| Hualapai Branch | Las Vegas , NV | 89117 | $261.3M |
| Siena Heights Branch | Henderson , NV | 89052 | $257.0M |
| Durango Branch | Las Vegas , NV | 89147 | $244.9M |
| Tucson Campbell Branch | Tucson , AZ | 85718 | $230.7M |
| Lake Mead Branch | Las Vegas , NV | 89128 | $229.0M |
| Denver Branch | Denver , CO | 80202 | $189.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 30, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2015 | Structure Change | Acquired Bridge Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2013 | Structure Change | Acquired Torrey Pines Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Structure Change | Acquired Centennial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2010 | Structure Change | Acquired First Independent Bank of Nevada Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 22.6% of deposits in AZ, rank 1 of 57 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,165 applications, 9 loans originated, $56.6M originated, across 49 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 25 loans, $24.2M approved, $969K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 23 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Western Alliance Bank
What are Western Alliance Bank's total assets?
As of the Q2 2026 filing, Western Alliance Bank reported total assets of $98.57 billion in its FFIEC call report.
Where is Western Alliance Bank headquartered?
It is headquartered in Phoenix, AZ, United States.
When was Western Alliance Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Western Alliance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57512). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western Alliance Bank?
Western Alliance Bank's primary federal regulator is the Federal Reserve.
What is Western Alliance Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.58% in its Q2 2026 call report, above regulatory requirements.
How many branches does Western Alliance Bank operate?
It operates 38 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western Alliance Bank's Texas Ratio?
Its Texas Ratio is 9.63% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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