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Western Alliance Bank
Phoenix, AZ·FDIC Cert #57512·Charter: STATE·Est. 20030203.0·HC: WESTERN ALLIANCE BCORP
Total Assets
$92.7B
Q4 2025
Return on Assets
1.10%
+0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.19%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%+0.04
ROE
12.98%+0.51
Efficiency
60.19%-0.75
Equity/Assets
0.00%+0.00
NPL Ratio
2.43%+0.33
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.64%+2.13
Charge-offs
0.22%+0.02
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 | 0.9 | 0.9 | 1.0 | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 10.0 | 10.6 | 11.2 | 11.7 | 11.2 | 12.2 | 12.5 | 13.0 |
| Efficiency | 68.6 | 66.8 | 65.8 | 64.5 | 64.9 | 62.3 | 60.9 | 60.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.9 | 1.8 | 1.7 | 1.9 | 1.9 | 1.9 | 2.1 | 2.4 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 83.8 | 81.7 | 81.4 | 83.7 | 83.2 | 82.6 | 77.5 | 79.6 |
Balance Sheet
Total Assets$92.7B
Total Deposits$77.6B
Total Loans$61.8B
Total Equity$7.8B
Profitability
ROA1.10%
ROE12.98%
Efficiency Ratio60.19%
Net Income$957.3M
Risk & Asset Quality
NPL Ratio2.43%
Charge-off Rate0.22%
Loan/Deposit79.64%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans