---
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"
generated_at: "2026-05-16T10:14:05.623670+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Westamerica Q4 2025 net income $27.8M, EPS $1.12; cost of funds 0.24%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-000283
- JSON: https://secwatch.observer/filing/0001171843-26-000283.json
- Plain text: https://secwatch.observer/filing/0001171843-26-000283.txt

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