{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-004529","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2025-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.022015+00:00","generated_at":"2026-05-18T06:03:24.558275+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Westamerica Bancorp Q2 2025 net income $29.1M, EPS $1.12 vs Q1 $31.0M/$1.16","bullets":["Net interest income (FTE) $54.6M, down from $56.4M Q1; yield on earning assets 4.07% vs 4.14%.","No provision for credit losses in Q2 (Q1 had $550K reversal); allowance for credit losses $13.8M.","Nonperforming assets $5.0M; noninterest expense $25.5M vs $25.1M Q1.","Paid $0.46 per share dividend; repurchased 773K shares in Q2.","Capital ratios remain above highest regulatory guidelines."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-004529","json":"https://secwatch.observer/filing/0001171843-25-004529.json","markdown":"https://secwatch.observer/filing/0001171843-25-004529.md","text":"https://secwatch.observer/filing/0001171843-25-004529.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184325004529/0001171843-25-004529-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184325004529/f8k_071725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:03:24.558275+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"}