A
WestAmerica Bank
Rating Date
October 2025
Risk Based
Capital Ratio
15.89
Leverage
Ratio
10.32
Return On
Assets
1.93%
Total
Assets
5.88B
Capital
630.90M
Total
Deposits
4.80B
Net
Income
87.39M
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Weiss Ratings WestAmerica Bank
San Rafael, CA 		Click to
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Rating A
Asset Quality Index 8.70
Capitalization Index 9.00
Liquidity Index 6.20
Profitability Index 8.80
Stability Index 9.30
Company Info WestAmerica Bank
San Rafael, CA 		Click to
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FDIC Number 3430
Phone Number (415) 257-8057
Website www.westamerica.com
Asset Quality WestAmerica Bank
San Rafael, CA 		Click to
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1-Year Asset Growth -4.01%
5-Year Asset Growth 1.57%
5-Year Charge-Offs to Average Loans 0.21%
Charge-Offs to Average Loans 0.41%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 0.43%
Non-Performing Loans to Loans 0.32%
Balance Sheet WestAmerica Bank
San Rafael, CA 		Click to
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Total Assets 5.88B
Total Deposits 4.80B
Capital and Reserves WestAmerica Bank
San Rafael, CA 		Click to
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Capital 630.90M
Leverage Ratio 10.32
Loan Loss Reserves to Loans 1.60%
Risk-Based Capital Ratio 15.89
Liquidity WestAmerica Bank
San Rafael, CA 		Click to
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Hot Money Ratio 0.60%
Liquidity Ratio 55.90%
Profitability WestAmerica Bank
San Rafael, CA 		Click to
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5-Year Return on Average Assets 1.71%
Net Income 87.39M
Net Interest Spread 3.84%
Operating Profit to Average Assets 2.60%
Overhead Efficiency Ratio 39.87%
Return on Assets 1.93%
Return on Equity 18.92%