Westamerica Q3 net income $28.3M, EPS $1.12 flat sequentially; low cost of funds 0.26%

WESTAMERICA BANCORPORATION

2025-Q3 EPS reported $3.40

Net income $28.3M, diluted EPS $1.12; Q2 2025 net income was $29.1M, EPS $1.12.
Net interest income (FTE) $53.8M vs $54.6M in Q2; yield on earning assets 4.06%.
Noninterest income $10.2M, noninterest expense $25.8M; efficiency ratio 40%.
Paid $0.46/share dividend; repurchased 488K shares in Q3; nonperforming assets $2.6M.
No provision for credit losses; allowance for loan losses $11.9M; capital ratios above regulatory guidelines.

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