# WESTERN ALLIANCE BANK
PHOENIX, AZ · FDIC certificate 57512 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $98.57B | |
| Deposits | $82.32B | |
| Loans and leases | $65.57B | |
| Total equity | $8.23B | |
| Loans / deposits | 79.06% (p29 of band) | 85.78% |
| Liquid assets / assets | 26.90% (p67 of band) | |
| Uninsured deposits / deposits | 38.09% (p48 of band) | 38.39% |
| Brokered deposits | 15.66% | |
| Wholesale funding | 22.27% (p89 of band) | |
| FHLB advances / assets | 5.88% | |
| Tier 1 leverage | 8.08% (p14 of band) | 10.17% |
| Unrealized securities loss / equity | -11.00% (p31 of band) | -7.43% |
| AOCI / equity | -1.30% (p9 of band) | |
| ROA (annualized) | 1.16% (p40 of band) | 1.24% |
| Net interest margin | 3.52% (p44 of band) | 3.57% |
| Efficiency ratio | 55.67% (p57 of band) | |
| Noncurrent loans | 2.82% (p97 of band) | 0.66% |
| Net charge-offs (annualized) | 0.55% (p92 of band) | |
| Reserve coverage of noncurrent | 26.35% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 49.66% (p79 of band) | |
| Auto loans | $20,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $15.81B (192% of equity) (p94 of band) | |
| Deposits YoY | 15.3% | |
| Employees | 4084 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | loans-to-lenders >50% equity |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | reserve under noncurrent |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | capital falling |  |
| 2013-06 | 4 |  | reserve under noncurrent |
| 2013-09 | 2 |  | loans-to-lenders >50% equity, capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 5 | uninsured deposits >50%, run vulnerability |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 3 |  | wholesale funding >15%, capital falling |
| 2016-03 | 2 |  | run vulnerability |
| 2016-06 | 3 | run vulnerability |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | brokered >10% |
| 2017-06 | 1 |  | run vulnerability |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | run vulnerability |  |
| 2018-06 | 3 | loans-to-lenders >50% equity |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | run vulnerability |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | reserve under noncurrent |  |
| 2021-09 | 5 | run vulnerability |  |
| 2021-12 | 4 |  | capital falling |
| 2022-03 | 5 | noncurrent p90 |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 7 | wholesale funding >15%, capital falling |  |
| 2022-12 | 6 |  | capital falling |
| 2023-03 | 8 | loans exceed deposits, brokered >10%, deposits shrinking, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-06 | 7 |  | loans exceed deposits |
| 2023-09 | 6 |  | deposits shrinking |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 | capital falling | uninsured deposits leaving |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 |  | capital falling |
| 2025-03 | 4 |  | noncurrent p90 |
| 2025-06 | 5 | noncurrent p90 |  |
| 2025-09 | 6 | capital falling |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 7 | charge-offs p90 |  |
| 2026-06 | 7 |  |  |

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

- 2026-07-15 [Western Alliance Bank Named One of Arizona’s ‘Most Admired Companies’ for 2026 - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZ1RkcEtpWHNINlRVeXoyb0loVmdTQ0RPT3puTzRKbmxseVliZ0h0RGVET2hSZmlmaW1FNkhYN2p4RG16eVRwbE4zQWlESElyWEswUHB0dnFTcXQwQ0RnMGxuQlQ5TExhaHVHWkhuV3FUVVV4Qy1xY2E5NGo5NU5GTFdyYURPMzZPcTVuTXJsa1JRcUlNZlZoLW05MG4?oc=5) · Yahoo Finance
- 2026-06-30 [Western Alliance Bank Named #1 Best Bank in Arizona on Forbes 2026 Best-In-State Banks List - Business Wire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOVDhldnhlUUNhd3l3MXVRWnpGNmwzVXJoSElORHRCNTk3aFhsX2lJX0VIWTRHU0l4dWRQNld2bDBRS3FiR3U2dFo5dVRJWWM2aWd1MEZrZTBjX2h0d2VKRzNNemhXZU5oSjcyMGNwWml1cmpra0VIS3c3YlBxNUY3UG5CNEVsX2hPNWpXVXlMS3EzY0RHZ0I2SGhJQmhjeGVPZGMxc1pTaTB1NmhmYUpTendNZk1HVXZJTDBUeGx0aXVRcDBRU1VOV1l2SGFJd0d2cTRRRVRKUzIyV1VERENTag?oc=5) · Business Wire
- 2026-06-30 [Western Alliance Bank Named #1 Best Bank in Arizona on Forbes 2026 Best-In-State Banks List - Financial Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUFlpZFBNLURXaXh4RjdnZ0M4QlZPUHl4NnRna01lVGwwWTJIVTNLUk1BcTlkNDNndnUtdG5GXzNlZ0pYZzZFeFRDUGtydGhhYVdtTTlLTTk1S2VhbktCOEs5SENaSEpYUjl6Q2NoTXVrVG9CZFFhazE3cUpSN2REX0g4M29uclJKbVFZNmFIaDVhU3Nhdm8wTnBxUWR6cE1hbG0wOXpn?oc=5) · Financial Times
- 2026-07-22 [Western Alliance slashes loan, deposit growth targets to fund $150M buyback - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxOZDdXeFgzTXl4UjVCTTBCODE4aWZuZjcyMTh5bFhPUE5JdGx3RTFtblY2RmRnZndYWVdpVzNzN0VYNFdqOGpXR2xMX01ReWFzUkxXUF83ZXdwdm1DZ0o2UHpfQ05UZXdjcXgta2RSY0ZnWUxDdUpNMG1sRnJkQXJmU014UHM5VXpyRDNkZjZMM3d3Zlk?oc=5) · The Business Journals
- 2026-03-06 [Western Alliance sues Jefferies over unpaid debt tied to First Brands - Banking Dive](https://news.google.com/rss/articles/CBMingFBVV95cUxOcF9oYmh2dHBaTUdSZ2hNeFBGcFN0dWNnQVNzanVxX0JEUnh2STBzal9mck5QY2ZJbWp3WmhCR2ptOE5oYzctWUdnQ3VmVDRWV20xZXVrSlJNSmF3RmZYVkU0VWlyTVpIYk9zd1AtTUVWNEsxSTNxSVI4OXg0Y3VkNUxsMjliMnFLUGE0N0Iwam1CZmdGdTVfN0plRE5FQQ?oc=5) · Banking Dive
- 2026-03-20 [Western Alliance Funds New Veterans Dental Program - Dentistry Today](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMi1pV1B1OUVtMF9ySWVtMWxtaFlCQm5mUVRGNUR2MlNrTE1mYnpTVlBOcmsyVDd1LXJhdUc3eG5yRDV2TTRGeUltQ3dqMm1fRTY3VndlS3puWGxWWnViVEtrTXlybE1JUjFOVHd5clg5cThQejFzMGdIYmloRUFNZEljYi1hREw1UXc?oc=5) · Dentistry Today
- 2026-06-25 [Western Alliance Bank Named a Lyons Den Honoree by Arizona Bar Foundation - Business Wire](https://news.google.com/rss/articles/CBMiygFBVV95cUxObHVPRF85d0FtdWxuQU1GeE95X1JKRV9lQ2Y1ZDg4ZGxXalJad2lJM1RkUDMxUEVaRFJlbllJNGNoREZPRDRHZGlpN18tZVJORFpOZXNOV05IZ3pOc1NaSzRiXzNjWk1OTi1hbzYyWnZQVUJsUS02eGZucUtDeWVfNHAteGRMdERRZlV6cDNXNmhta0M1THZEeG9pTEo5MzNLUUFtM2JLTndlY0FMSjdNVU5XY3g1NWVFRk5CSW1wSWhRSXVxblQ5SnFB?oc=5) · Business Wire
- 2026-07-01 [Does Forbes’ Best-in-State Bank Recognition Meaningfully Strengthen Western Alliance’s Brand Moat and Pricing Power (WAL)? - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxQYS1Fd1luR0tWOXVQOUxiZW12SUtrWVc4WGlkX2FpTFhjSXlwQmVSV05qbjRvWE1zZ2JNTFV1OUZ2Z25UY2cxZ2ZwQ3o1dkYtbFV5a01udmYwSmNHUU8xd21uaXBmVWVFeG53QzlSdGdQSnZsbnVWZk9WWWVKNkd4X3g4eUNyNWZ0SktQNVBIcUpWbkJ2NWx3?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57512 (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/40.json (key "57512", 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