---
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"
generated_at: "2026-05-18T06:03:24.558275+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Westamerica Bancorp Q2 2025 net income $29.1M, EPS $1.12 vs Q1 $31.0M/$1.16

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/311094/000117184325004529/0001171843-25-004529-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/311094/000117184325004529/f8k_071725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-004529
- JSON: https://secwatch.observer/filing/0001171843-25-004529.json
- Plain text: https://secwatch.observer/filing/0001171843-25-004529.txt

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