{"schema_version":"secwatch.filing_event.v1","accession":"0001166928-25-000067","form_type":"8-K","ticker":"WTBA","cik":"0001166928","company_name":"WEST BANCORPORATION INC","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.474547+00:00","generated_at":"2026-05-18T02:02:13.205466+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"West Bancorporation Q2 net income $8.0M ($0.47/sh); dividend $0.25; pristine credit","bullets":["Net income $8.0M ($0.47 diluted EPS) vs $5.2M ($0.31) in Q2 2024, up 54%.","No nonaccrual loans at June 30, 2025; allowance for credit losses 1.03% of loans.","Net interest margin (FTE) 2.27% vs 1.86% a year ago; efficiency ratio 56.45% vs 67.14%.","Loans decreased $50.1M in Q2; deposits increased $67.5M (ex-brokered +$194.7M).","Dividend declared $0.25/sh payable Aug 20, 2025 to holders of record Aug 6."],"urls":{"canonical":"https://secwatch.observer/filing/0001166928-25-000067","json":"https://secwatch.observer/filing/0001166928-25-000067.json","markdown":"https://secwatch.observer/filing/0001166928-25-000067.md","text":"https://secwatch.observer/filing/0001166928-25-000067.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1166928/000116692825000067/0001166928-25-000067-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1166928/000116692825000067/wtba-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:02:13.205466+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}