Westamerica Bank (FDIC #3430): Bank Stress & Real-Estate Credit Exposure

Westamerica Bank (FDIC Cert #3430): bank stress 52/100, moderate, STABLE over 7 days; parent WESTAMERICA BCORP.

Westamerica Bank (#3430) lends in 19 counties across 1 state; Westamerica Bank (#3430) reaches 536 ZIP codes: California 19 counties, 536 ZIPs.

Westamerica Bank (#3430) largest markets: Fresno County, CA (660 branches, 60 ZIPs) (#3430), Sacramento County, CA (174 branches, 58 ZIPs) (#3430), Kern County, CA (159 branches, 53 ZIPs) (#3430), Alameda County, CA (53 branches, 53 ZIPs) (#3430), Contra Costa County, CA (147 branches, 49 ZIPs) (#3430), Tulare County, CA (90 branches, 45 ZIPs) (#3430).

Westamerica Bank (#3430) reports $5.77 billion in total assets; Westamerica Bank (#3430) equity $604.8 million (10.5% of Westamerica Bank (#3430) assets); Westamerica Bank (#3430) domestic deposits $4.78 billion; Westamerica Bank (#3430) net income $53.7 million; Westamerica Bank (#3430) return on assets 1.84%; Westamerica Bank (#3430) return on equity 17.41%; Westamerica Bank (#3430) net interest income $104.4 million; Westamerica Bank (#3430) call report June 30, 2026.

Westamerica Bank (#3430) noncurrent real-estate loans: none reported; Westamerica Bank (#3430) residential -0.02%; Westamerica Bank (#3430) net charge-offs on real estate 0.04%; Westamerica Bank (#3430) residential charge-offs 0.04%.

Westamerica Bank (#3430) net interest margin 3.86% against an eight-quarter Westamerica Bank (#3430) average of 4.06% (Westamerica Bank (#3430) compression 0.19 points); Westamerica Bank (#3430) non-residential real estate 4.1% of equity; Westamerica Bank (#3430) rate-exposure score 40/100, Westamerica Bank (#3430) fixed-rate trap 40/100; Westamerica Bank (#3430) risk type credit driven; Westamerica Bank (#3430) rate regime rates elevated, Westamerica Bank (#3430) snapshot October 20, 2026.

Westamerica Bank (#3430) stress score moved from 50.9 on June 22, 2026 to 52.1 on October 20, 2026; Westamerica Bank (#3430) ranged 50.9 to 52.1 over 117 snapshots.

Westamerica Bank (#3430) alerts: 19 counties; top Westamerica Bank (#3430) alert scores: Sonoma County, CA 39 (moderate); Sacramento County, CA 37 (moderate); Madera County, CA 34 (low); Mariposa County, CA 32 (low); Merced County, CA 30 (low).