secwatch.observer — SEC 8-K summary
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Issuer:     WESTERN ALLIANCE BANCORPORATION (WAL)
CIK:        0001212545
Form:       8-K
Filed at:   2025-07-17T23:59:59+00:00
Accession:  0001212545-25-000186
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Western Alliance Q2 2025 net income $237.8M, EPS $2.07, up 22.8% YoY
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- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1212545/000121254525000186/0001212545-25-000186-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1212545/000121254525000186/wal-20250717.htm
  HTML page:      https://secwatch.observer/filing/0001212545-25-000186

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