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Jun 30, 2025
Western Alliance Q2 2025 Earnings Report
Western Alliance delivered strong Q2 2025 results with solid earnings growth and robust loan and deposit momentum.
Key Takeaways
Western Alliance Bancorporation reported higher net income and EPS driven by strong loan and deposit growth, improved net interest margin, and solid pre-provision net revenue.
Net income reached $237.8M with EPS of $2.07
Net revenue grew to $845.9M driven by higher net interest income
Loans and deposits increased by $1.2B and $1.8B respectively
Return on tangible common equity improved to 14.9%
Forward Guidance
Management expects continued loan and deposit growth with stable asset quality, supported by strong business momentum.
Positive Outlook
- Continued loan and deposit growth momentum
- Stable asset quality with low nonperforming loans
- Improving net interest margin trends
- Strong capital position with CET1 ratio at 11.2%
- Growing tangible book value per share
Challenges Ahead
- Slightly higher provision for credit losses
- Increased non-interest expenses from higher salaries and benefits
- Rising criticized loans compared to last year
- Higher repossessed assets levels
- Slight decrease in net interest margin year-over-year
Historical Earnings Impact
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Avg. Return Before/After Earnings
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