{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-006660","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2026-10-15T17:27:28+00:00","discovered_at":"2026-10-15T17:29:00.246729+00:00","generated_at":"2026-10-15T17:29:05.201922+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Westamerica Bancorporation Q3 2026 net income $28.2M, diluted EPS $1.22","bullets":["Q3 2026 net income was $28.2 million and diluted EPS $1.22, versus Q2 2026 net income of $27.4 million and EPS of $1.17.","Annualized net interest margin was 3.81%, a 4 basis point increase over Q2 2026, with cost of funding interest-earning assets at 0.26%.","No provision for credit losses in Q3 2026; nonperforming assets were $476 thousand and the allowance for credit losses on loans was $10.5 million at September 30, 2026.","Westamerica paid a $0.48 per common share dividend in Q3 2026 and retired 51 thousand common shares under its repurchase plan.","Noninterest income rose to $10.7 million from $10.3 million, aided by a one-time merchant processing termination fee; noninterest expense was $26.2 million."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-006660","json":"https://secwatch.observer/filing/0001171843-26-006660.json","markdown":"https://secwatch.observer/filing/0001171843-26-006660.md","text":"https://secwatch.observer/filing/0001171843-26-006660.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184326006660/0001171843-26-006660-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184326006660/f8k_101526.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-15T17:29:05.201922+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"}