{"schema_version":"secwatch.filing_event.v1","accession":"0001212545-25-000186","form_type":"8-K","ticker":"WAL","cik":"0001212545","company_name":"WESTERN ALLIANCE BANCORPORATION","filed_at":"2025-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.512635+00:00","generated_at":"2026-05-18T05:55:04.369697+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Western Alliance Q2 2025 net income $237.8M, EPS $2.07, up 22.8% YoY","bullets":["Net income $237.8M ($2.07 EPS), up 19.4% QoQ and 22.8% YoY; PPNR $331.2M.","HFI loans grew $1.2B QoQ to $55.9B; deposits grew $1.8B to $71.1B; loan-to-deposit ratio 78.7%.","NPL ratio improved to 0.76% from 0.82% QoQ; net charge-offs 0.22% of avg loans; criticized loans down $118M.","CET1 ratio 11.2%, tangible book value per share $55.87 (+14.5% YoY), ROATCE 14.9%.","Net interest margin expanded to 3.53% from 3.47% QoQ; adjusted efficiency ratio improved to 51.8%."],"urls":{"canonical":"https://secwatch.observer/filing/0001212545-25-000186","json":"https://secwatch.observer/filing/0001212545-25-000186.json","markdown":"https://secwatch.observer/filing/0001212545-25-000186.md","text":"https://secwatch.observer/filing/0001212545-25-000186.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1212545/000121254525000186/0001212545-25-000186-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1212545/000121254525000186/wal-20250717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:55:04.369697+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"}