---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-000282"
form_type: "8-K"
ticker: "WABC"
cik: "0000311094"
company_name: "WESTAMERICA BANCORPORATION"
filed_at: "2025-01-16T23:59:59+00:00"
generated_at: "2026-05-28T00:30:14.465538+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Westamerica Q4 net income $31.7M ($1.19 EPS), down from Q3's $35.1M

## Summary
- Net interest income (FTE) $59.2M vs $62.5M in Q3; yield on earning assets fell to 4.25% from 4.45%.
- Noninterest income $10.6M (Q3: $11.9M, which included $1.6M one-time gains).
- Nonperforming assets stable at $0.7M; allowance for credit losses $14.8M; no provision.
- Operating expenses well controlled at 37% of total revenues; Q4 dividend $0.44 per share.
- Cost of funding loan and bond portfolios annualized at 0.24% (Q3: 0.37%).

## SEC filing metadata
- accession: 0001171843-25-000282
- form_type: 8-K
- ticker: WABC
- cik: 0000311094
- company_name: WESTAMERICA BANCORPORATION
- filed_at: 2025-01-16T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/311094/000117184325000282/0001171843-25-000282-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/311094/000117184325000282/f8k_011625.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-000282
- JSON: https://secwatch.observer/filing/0001171843-25-000282.json
- Plain text: https://secwatch.observer/filing/0001171843-25-000282.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.