# WESTAMERICA BANK
SAN RAFAEL, CA · FDIC certificate 3430 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.77B | |
| Deposits | $4.78B | |
| Loans and leases | $668.8M | |
| Total equity | $604.8M | |
| Loans / deposits | 13.78% (p2 of band) | 87.10% |
| Liquid assets / assets | 82.35% (p99 of band) | |
| Uninsured deposits / deposits | 49.57% (p90 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.90% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.27% (p45 of band) | 10.50% |
| Unrealized securities loss / equity | -30.48% (p9 of band) | -7.75% |
| AOCI / equity | -4.37% (p1 of band) | |
| ROA (annualized) | 1.84% (p83 of band) | 1.26% |
| Net interest margin | 3.86% (p60 of band) | 3.70% |
| Efficiency ratio | 42.49% (p10 of band) | |
| Noncurrent loans | 0.12% (p16 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p45 of band) | |
| Reserve coverage of noncurrent | 1335.40% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $83.8M (12.53% of loans; DQ 2.77%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 573 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | leverage <7% |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | auto book souring |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | leverage <7%, auto book souring |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | auto book souring |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | auto book souring |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, auto book souring |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | assets shrinking |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | assets shrinking |  |
| 2024-12 | 2 |  | auto book souring, assets shrinking |
| 2025-03 | 3 | assets shrinking |  |
| 2025-06 | 2 |  | securities losses >30% of equity |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 2 | uninsured deposits >50%, capital falling | deposits shrinking |
| 2026-03 | 0 |  | uninsured deposits >50%, capital falling |
| 2026-06 | 1 | securities losses >30% of equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Westamerica Bank donates to Hospice Services - Lake County News,California](https://news.google.com/rss/articles/CBMilgFBVV95cUxPZW43VmxnQUhnN0pmN1Vwd2JvNEdUT29xdVBWSjBUTG1sRFIzakJnMWhhdnNPRzZUTVNXTmVZVFdxSThkUTNtbnZ3QXNlX1dxTUlyU18zTzB6MzlLeFQxeE94NnRFODlKdW9ZQzNWTndVeEpKZkhqeXpSem9wOXd0XzdtSWxOLVNoSnk2aFV2SU5QckRJWmc?oc=5) · Lake County News,California
- 2026-08-06 [Westamerica Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMickFVX3lxTFB6REkxRWZXOUdOcWJMcVZ5MTJvSUNvZ2xJeWxtODdSUkdqcFFGd1RTajc5ckp2dXp2cGYwNVdlMW1oTXVmcnhWU1lQZnBBd0I4ZEFid2lDUTRwdlVobVpnOU5JVG1HTVZqR3lCS0NicE91UQ?oc=5) · reveliolabs.com
- 2026-04-14 [Westamerica Bank Announces New Board Member - GlobeNewswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxNTGN4Szc3a1BPSDVHeV91SFFrcm92S1FJOG4tVTlmVE1waGxmRXdWQ3dVSVZiNkhmanJxUlpWV19rUENjMktUeUhQZEZoOHdxRmhxeXRDUmZYQUhzZUh4RWJxXzJfN1hLaHVnTWdLSFlxbmJlY09wY0dqSDFFRW5nbzQ2SjhCbDM5N2FmYjEyckpTendyRFllLWhYbE93ZlpBUGdwUU5rVUMxWk1xSEhlYXpkNW1uMTVxbkE?oc=5) · GlobeNewswire
- 2026-08-20 [Thomas Nelson KING - The Press Democrat](https://news.google.com/rss/articles/CBMif0FVX3lxTFBaNFJhQnVPS2oxYjctb2xoTHpXRTVmNEJlbzVTT3BtbWRESl9wdVFMRzdHY3V1Qk1tWXp2ODlIX0NtRjRRWWNET0MwVGM1VnZtNmkyNHE5V050UDBmWUhtNk9Qei1MeFpqUkc3RGNZdXdkQ0hoMmRHcXJJOGp5MFk?oc=5) · The Press Democrat
- 2025-11-20 [Old WestAmerica building being donated to Taft Union High School District - taftmidwaydriller.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNRWk5dmszWHRzNUVxVF9ZTnVzblRTS1otQzYxalo5clIwdUZZcUpnZVBwN3B3cy15LW9BZmtQbG1meVlhYUJiZVJWYnJSUFFydWdPZG5FR1R0U1Y4Q1V3dlpkc2I0VE5LM3dBWThQWTY3d3A3NXo4WlppQjNUUzBBcEt2b3l0VUk2VDM5VlE4aVItYks0bGQ1dGVINE1zeDRrYlFfRVJMWUVCdWFnZUtaNHhPOVR4QjRIaWRFUV9oLUo5a1dmTFNNVjBZdFh0N1RBQ05UUGh5bHV2dEVtSFdOUU5zTkNKZXM1TEY4enc2SDBWeFls?oc=5) · taftmidwaydriller.com
- 2026-02-24 [Driver Slams Into Brick Wall During Early Morning Crash: Watch - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxON19qU0d0NEFqTXJRY2ZsLU5xcy1IV1A5cjFvcWtDNmhyR0YwdS1qWE9zQWUtY29QZDM3eldpTVpCVGhpbXNwOU9kbEhEX3paTnl3eWRHSXo1ZGhZdjcxeUthRkh0TjJibk84WVJFOW16T2pZV1N6MDhaUm9ac0FaRXN4eXEtN0pFaEVJYnRmTUNMX1ktdUVDRlZHV0w?oc=5) · Patch
- 2025-04-09 [Snoopy statue sparks feud between two California banks - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOLVdvRm9QV1JXMFh3cm1ZTlBCTmRGUElqMVhIejB6cjNCOWl4TEZnNDRpSjhGUDBjSVhPOFAtSGxKZUhiLVRydU9rNVE2VlNpRFFwTEhWV09od2MxRTN5WVdMeHNTRXM4eVBrNjdTY0kxeWNrM1NueU4tQVlIZHk1S2NYWUhjWDk5aV9RRjBjUFgxYm1ydnZzYTcyY0JZVEZuWWRGXy1YMmhZZw?oc=5) · The Business Journals
- 2025-12-17 [Program Doubles Down on Halting Financial Abuse of Older Marin Residents - County of Marin (.gov)](https://news.google.com/rss/articles/CBMirAFBVV95cUxPZU15RzZPajFGTUlxUVIteks1ZkNiU2lqYWVQTjJCX1VKaDMzMjFGSlM0WkNXclR5V2R0NnpjT3FVZVNyTDNsZHp4STBTcl9oUTY2NVZYSW5RVzVtVkxWb1FoWDd1LUFoUTcwVm02STlPdmhGUWNoeWFYR2YyeGQxaTB1N1AtWDNHSlVieS04SWJCZ25oRTBHdWJ1MFkzWnRHMjhYd1Y2SUlaRlVM?oc=5) · County of Marin (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3430 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "3430", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide