{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-006484","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2025-10-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.678063+00:00","generated_at":"2026-05-17T03:37:31.477805+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Westamerica Q3 net income $28.3M, EPS $1.12 flat sequentially; low cost of funds 0.26%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-006484","json":"https://secwatch.observer/filing/0001171843-25-006484.json","markdown":"https://secwatch.observer/filing/0001171843-25-006484.md","text":"https://secwatch.observer/filing/0001171843-25-006484.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184325006484/0001171843-25-006484-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184325006484/f8k_101625.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:37:31.477805+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"}