| Metric | Westamerica Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.5% | -5.8 pts |
| Deposit growth (YoY) | +0.5% | +5.1% | -4.5 pts |
| Loan growth (YoY) | -10.4% | +5.9% | -16.3 pts |
| ROA | 1.84% | 1.26% | +0.6 pts |
| ROE | 17.4% | 12.2% | +5.2 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.77B | $4.78B | $658.0M | $604.8M | $53.7M | 1.84% | 3.87% | 0.01% |
| Q1 2026 | $5.83B | $4.79B | $685.1M | $614.7M | $26.8M | 1.82% | 3.84% | 0.02% |
| Q4 2025 | $5.92B | $4.84B | $714.9M | $629.9M | $115.2M | 1.95% | 3.96% | 0.03% |
| Q3 2025 | $5.88B | $4.80B | $729.7M | $630.9M | $87.4M | 1.97% | 3.99% | 0.04% |
| Q2 2025 | $5.79B | $4.75B | $734.5M | $623.5M | $59.6M | 2.02% | 4.02% | 0.09% |
| Q1 2025 | $5.93B | $4.88B | $757.1M | $613.2M | $30.8M | 2.06% | 4.05% | 0.00% |
| Q4 2024 | $6.04B | $5.01B | $805.5M | $591.4M | $135.8M | 2.18% | 4.34% | 0.01% |
| Q3 2024 | $6.12B | $5.07B | $818.6M | $642.4M | $104.1M | 2.21% | 4.39% | 0.01% |
Loan mix (Q2 2026): real estate $472.0M · commercial $72.4M · consumer $92.1M · securities $4.45B
| Ratio | Westamerica Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.5% | 59.0% | 10th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Westamerica Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Westamerica Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Westamerica Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Westamerica Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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