BlastPoint's Banking Scorecard

Westamerica Bank

$1B-$10B Specialty: Other CA FDIC cert 3430

San Rafael, CA

75 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +0.5% year over year ($4.8B on the books).
Delinquency rate 0.12%.
Return on assets 1.84%.
Efficiency ratio 42.49% vs a 59.73% peer average.
Loan-to-deposit ratio 13.78% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

Westamerica Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 17.24% below tier average
+ Non-Interest-Bearing Deposit Share 23.62% above tier average
+ Nonperforming Asset Ratio 0.66% below tier average
+ ROA 0.45% above tier average
+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 45.9% in tier

Get updates when Westamerica Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$5.8B -0.3% YoY -1.0% QoQ	+$3.0B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 10.7% in tier
Total Loans ?	$658.0M -10.4% YoY -3.9% QoQ	-$1.3B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Bottom 6.3% in tier
Total Deposits ?	$4.8B +0.5% YoY -0.3% QoQ	+$2.5B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 11.4% in tier
Return on Assets ?	1.84% -8.8% YoY +0.7% QoQ	+0.45%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	3.86% -4.0% YoY +0.7% QoQ	-0.01%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	42.49% +8.9% YoY +0.2% QoQ	-17.24%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 9.4% in tier
Delinquency Rate ?	0.12% -81.8% YoY -41.7% QoQ	-0.74%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 14.5% in tier
Loan-to-Deposit Ratio ?	13.78% -10.9% YoY -3.7% QoQ	-71.26%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Top 1.0% in tier
Non-Interest-Bearing Deposit Share ?	44.89% -2.1% YoY +0.5% QoQ	+23.62%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 2.8% in tier
Nonperforming Asset Ratio ?	0.01% -83.7% YoY -43.4% QoQ	-0.66%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 5.3% in tier
Tier 1 Capital Ratio ?	16.23% +3.9% YoY +7.3% QoQ	+1.39%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.36% -0.6% YoY +106.7% QoQ	-0.17%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	44.9% -1.0pp YoY +0.2pp QoQ	+23.5pp	21.4%	25.5%	22.2%	97%
Brokered Deposits	n/a	n/a	9.5%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	11.0% +0.7pp YoY +0.1pp QoQ	-3.0pp	14.0%	11.8%	12.5%	48%
CRE	n/a	n/a	50.0%	67.5%	41.4%	n/a
1-4 Family	1.9% -0.2pp YoY +0.1pp QoQ	-24.5pp	26.4%	16.5%	31.3%	3%
Consumer	14.0% -4.5pp YoY -1.0pp QoQ	+9.3pp	4.7%	5.3%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	16.2% +0.6pp YoY +1.1pp QoQ	+0.6pp	15.6%	23.7%	19.7%	79%
Leverage Ratio	10.3% -0.2pp YoY +0.1pp QoQ	-1.0pp	11.3%	14.5%	12.6%	44%
Total Capital Ratio	16.7% +0.6pp YoY +1.1pp QoQ	0.0pp	16.7%	25.1%	20.8%	75%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	573 -27 (-4.5%) YoY -39 (-6.4%) QoQ	+259	313	337	482	87%
Assets per Employee ($)	$10.1M +4.4% YoY +5.7% QoQ	-$415K	$10.5M	$11.3M	$8.8M	66%
Branch Count	75 -1 (-1.3%) YoY 0 QoQ	+55	20	15	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	58%
Nonaccrual	0.1% -0.5pp YoY -0.1pp QoQ	-0.7pp	0.8%	1.4%	1.0%	8%
Allowance Coverage	13.35x +380.8% YoY +72.7% QoQ	-5.36x	18.71x	17.11x	20.23x	92%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.3%	0.2%	74%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	17.4% -2.2pp YoY +0.2pp QoQ	+4.8pp	12.6%	8.2%	11.6%	84%
Cost of Funds (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	-1.7pp	1.9%	1.9%	1.7%	1%
Net Income ($, YTD)	$53.7M -10.0% YoY — QoQ	+$34.4M	$19.2M	$28.5M	$40.4M	94%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#40 of 85 • Bottom 45.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.84%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (9 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 13.78%

Peer Median: 85.04%

#10 of 885 Top 1.0% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 44.89%

Peer Median: 21.27%

#26 of 885 Top 2.8% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#48 of 885 Top 5.3% in $1B-$10B

Efficiency Ratio

profitability

Value: 42.49%

Peer Median: 59.73%

#84 of 885 Top 9.4% in $1B-$10B

Total Assets

size

Value: $5.77B

Peer Median: $2.79B

#96 of 885 Top 10.7% in $1B-$10B

102

Total Deposits

size

Value: $4.78B

Peer Median: $2.32B

#102 of 885 Top 11.4% in $1B-$10B

129

Delinquency Rate

credit_quality

Value: 0.12%

Peer Median: 0.87%

#129 of 882 Top 14.5% in $1B-$10B

147

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.39%

#147 of 885 Top 16.5% in $1B-$10B

166

Tier 1 Capital Ratio

capital

Value: 16.23%

Peer Median: 14.84%

#166 of 885 Top 18.6% in $1B-$10B

Top Weaknesses (1 metrics)

830

Total Loans

size

Value: $658.04M

Peer Median: $1.96B

#830 of 885 Bottom 6.3% in $1B-$10B