{"schema_version":"secwatch.filing_event.v1","accession":"0001166928-25-000082","form_type":"8-K","ticker":"WTBA","cik":"0001166928","company_name":"WEST BANCORPORATION INC","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.919671+00:00","generated_at":"2026-05-17T02:26:53.490734+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"West Bancorp Q3 net income $9.3M ($0.55 EPS), NIM 2.36%; dividend $0.25","bullets":["Net income $9.3M ($0.55 diluted EPS) vs Q2 $8.0M ($0.47) and Q3 2024 $6.0M ($0.35); YoY up 56%.","Net interest margin (FTE) 2.36% vs 2.27% Q2 and 1.91% Q3 2024; efficiency ratio 54.06%.","No credit loss expense; zero nonaccrual loans and zero loans past due >30 days at Sep 30, 2025.","Quarterly dividend $0.25/share declared, payable Nov 19, 2025 to holders of record Nov 5, 2025.","Watch list loans rose to $38.7M from $10.8M due to one customer relationship (sufficiently collateralized)."],"urls":{"canonical":"https://secwatch.observer/filing/0001166928-25-000082","json":"https://secwatch.observer/filing/0001166928-25-000082.json","markdown":"https://secwatch.observer/filing/0001166928-25-000082.md","text":"https://secwatch.observer/filing/0001166928-25-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1166928/000116692825000082/0001166928-25-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1166928/000116692825000082/wtba-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:26:53.490734+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"}