{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-000283","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2026-01-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.335347+00:00","generated_at":"2026-05-16T10:14:05.623670+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Westamerica Q4 2025 net income $27.8M, EPS $1.12; cost of funds 0.24%","bullets":["Net income $27.8M, diluted EPS $1.12 (incl. $0.02 tax adjustment); Q3 net income $28.3M, EPS $1.12.","Net interest income (FTE) $53.5M vs $53.8M in Q3; annualized yield 4.00%, cost of funds 0.24%.","Nonperforming assets stable at $1.8M; allowance for credit losses $11.6M.","Paid $0.46 dividend; retired 485K shares via repurchase; capital ratios exceed regulatory guidelines.","Operating expenses 40% of total revenues; 46% of deposits are non-interest bearing."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-000283","json":"https://secwatch.observer/filing/0001171843-26-000283.json","markdown":"https://secwatch.observer/filing/0001171843-26-000283.md","text":"https://secwatch.observer/filing/0001171843-26-000283.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184326000283/0001171843-26-000283-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184326000283/f8k_011526.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T10:14:05.623670+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"}