---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-002298"
form_type: "8-K"
ticker: "WABC"
cik: "0000311094"
company_name: "WESTAMERICA BANCORPORATION"
filed_at: "2025-04-17T23:59:59+00:00"
generated_at: "2026-05-23T12:30:23.400817+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Westamerica Q1 net income $31.0M, EPS $1.16; stable credit quality

## Summary
- Net income $31.0M, diluted EPS $1.16 vs Q4 2024 net income $31.7M, EPS $1.19.
- Reversal of provision for credit losses of $550K added $0.01 to EPS.
- Net interest income (FTE) $56.4M; yield on earning assets 4.14%, funding cost 0.24%.
- Non-interest income $10.3M, non-interest expense $25.1M; expense ratio 38% of revenues.
- Paid $0.44 per common share dividend in Q1 2025; nonperforming assets only $277K.

## SEC filing metadata
- accession: 0001171843-25-002298
- form_type: 8-K
- ticker: WABC
- cik: 0000311094
- company_name: WESTAMERICA BANCORPORATION
- filed_at: 2025-04-17T23:59:59+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/311094/000117184325002298/0001171843-25-002298-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/311094/000117184325002298/f8k_041725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-002298
- JSON: https://secwatch.observer/filing/0001171843-25-002298.json
- Plain text: https://secwatch.observer/filing/0001171843-25-002298.txt

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