---
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"
generated_at: "2026-05-17T03:37:31.477805+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/311094/000117184325006484/0001171843-25-006484-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/311094/000117184325006484/f8k_101625.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-006484
- JSON: https://secwatch.observer/filing/0001171843-25-006484.json
- Plain text: https://secwatch.observer/filing/0001171843-25-006484.txt

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