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Westamerica Bank
San Rafael, CA·FDIC Cert #3430·Charter: STATE·Est. 18840224.0·HC: WESTAMERICA BCORP
Total Assets
$5.9B
Q4 2025
Return on Assets
1.95%
-0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
40.19%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
77
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.95%-0.02
ROE
18.64%-0.31
Efficiency
40.19%+0.38
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%-0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
14.76%-0.45
Charge-offs
0.35%-0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.3 | 2.2 | 2.2 | 2.2 | 2.1 | 2.0 | 2.0 | 1.9 |
| ROE | 24.9 | 24.7 | 23.5 | 22.9 | 20.4 | 19.6 | 18.9 | 18.6 |
| Efficiency | 35.5 | 35.8 | 36.3 | 36.7 | 38.3 | 39.0 | 39.8 | 40.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.1 | 0.1 | 0.0 | 0.7 | 0.4 | 0.3 |
| Charge-offs | 0.6 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.4 | 0.3 |
| Loan/Deposit | 15.5 | 15.9 | 16.2 | 16.1 | 15.5 | 15.5 | 15.2 | 14.8 |
Balance Sheet
Total Assets$5.9B
Total Deposits$4.8B
Total Loans$714.9M
Total Equity$629.9M
Profitability
ROA1.95%
ROE18.64%
Efficiency Ratio40.19%
Net Income$115.2M
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate0.35%
Loan/Deposit14.76%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans