{"schema_version":"secwatch.filing_event.v1","accession":"0001166928-23-000118","form_type":"8-K","ticker":"WTBA","cik":"0001166928","company_name":"WEST BANCORPORATION INC","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.399481+00:00","generated_at":"2026-06-09T08:01:01.013596+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"West Bancorporation Q3 net income $5.9M ($0.35/diluted), down 49% YoY","bullets":["Net income $5.9M, EPS $0.35, vs $11.6M ($0.69) in Q3 2022; dividend $0.25/share payable Nov 22.","Net interest margin (FTE) fell to 1.91% from 2.02% QoQ and 2.78% YoY; net interest income $16.6M.","Loans grew $42.7M (6.1% annualized) in Q3; deposits declined $80.8M (-2.8%).","Credit quality strong: no loans past due >30 days, one nonaccrual loan $303K; ACL 0.99% of loans.","Efficiency ratio improved to 60.83% from 62.83% QoQ; tangible common equity ratio 5.51%."],"urls":{"canonical":"https://secwatch.observer/filing/0001166928-23-000118","json":"https://secwatch.observer/filing/0001166928-23-000118.json","markdown":"https://secwatch.observer/filing/0001166928-23-000118.md","text":"https://secwatch.observer/filing/0001166928-23-000118.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1166928/000116692823000118/0001166928-23-000118-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1166928/000116692823000118/wtba-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T08:01:01.013596+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"398185a816d359bdb1b21cab0f0e0480707b1ca8","claim":"WEST BANCORPORATION INC reported third quarter 2023 results: net income $5.9 million, EPS $0.35 per diluted common share.","evidence_excerpt":"today reported third quarter 2023 net income of $5.9 million, or $0.35 per diluted common share, compared to second quarter 2023 net income of $5.9 million, or $0.35 per diluted common share, and third quarter 2022 net income of $11.6 million, or $0.69 per diluted common share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1166928/000116692823000118/0001166928-23-000118-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Net income","value":"$5.9 million"},{"label":"EPS","value":"$0.35 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}