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Sep 30
Westamerica Q3 2025 Earnings Report
Westamerica Bancorporation delivered stable earnings in Q3 2025, supported by disciplined cost control and consistent net interest margin despite a slight decline in revenue.
Key Takeaways
Westamerica Bancorporation reported Q3 2025 net income of $28.3 million and EPS of $1.12. The bank maintained a low efficiency ratio of 40.3% and funding costs at just 0.26%. Net interest income was $53.8 million, with a net interest margin of 3.80%.
Net income totaled $28.3 million with EPS of $1.12
Net interest income was $53.8 million and net interest margin held at 3.80%
Efficiency ratio was 40.3%, reflecting continued operational discipline
Funding costs remained low at 0.26% of interest-earning assets
Westamerica
Westamerica
Westamerica Revenue by Segment
Westamerica Revenue by Geographic Location
Revenue by Segment
Net Interest Income Revenue
CapyFin.comNoninterest Income Revenue
CapyFin.comRevenue by Geographic Location
United States Revenue
CapyFin.com Forward Guidance
Westamerica expects stable performance supported by low funding costs and disciplined operations, while remaining cautious about revenue pressures.
Positive Outlook
- Continued low-cost funding base
- Strong capital position exceeding regulatory requirements
- Efficient operations with low expense ratios
- Stable credit quality and no provision for loan losses
- Consistent dividend payments and share repurchases
Challenges Ahead
- Slight decline in net interest income QoQ and YoY
- Noninterest income decreased nearly 15% YoY
- Operating income lower than the previous year
- Continued margin pressure from lower asset yields
- Nonperforming loans increased to $2.6 million