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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Westamerica Bank

San Rafael, California · $5.77B in assets · beside the 11 other California banks between $3B and $10B

The filing

14.0%
Loans / deposits
1st of 12
55.4%
CRE / capital
1st of 11
-10.6%
Loans, year over year
11th of 12, largest first

Westamerica Bank is the seventh largest of the 12 California banks nearest its size between $3B and $10B, with $5.77B in assets at 30 June 2026. Loans are 14.0% of deposits, the lowest in the cohort against a median of 82.5%, and equity is 10.5% of assets, 7th of 11. Loans grew -10.6% in the year, 11th of 12, and deposits grew 0.5%; the cohort's median loan growth is +3.6%.

Noncurrent loans are 0.12% of the book, 4th of 12 against a median of 0.30%; 0.51% is 30 to 89 days past due, and the allowance covers them 13.4 times. Net charge-offs are 0.14% of loans, 9th of 11. Commercial real estate is 50.7% of loans, 10th of 12 against a median of 38.6%, and 55% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.81%, 2nd of 11 against a median of 1.22%, on an efficiency ratio of 42.5%, 4th of 11. Five years ago it was 1.21%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 82.5% WB Westamerica Bank 14.0% SM SMBC Manubank 48.2% Bo Bank of Stockton 65.3% FM Farmers & Merchants Bank Central California 72.7% MT Mizrahi Tefahot Bank LTD 79.0% AB American Business Bank 79.3% RC River City Bank 85.7% CW Community West Bank 85.9% CB CTBC Bank Corp. USA 88.0% FB Fremont Bank 90.6% FS Five Star Bank 94.0% RB Royal Business Bank 95.2%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.6% MT Mizrahi Tefahot Bank LTD +56.9% CW Community West Bank +47.7% FS Five Star Bank +20.3% AB American Business Bank +7.9% RC River City Bank +7.3% Bo Bank of Stockton +4.1% FB Fremont Bank +3.1% RB Royal Business Bank +2.3% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

Westamerica Bank is the 239th largest 7(a) lender into California of 512, with $7M across 41 loans, 0.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 12 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fresno, CA$3M56th of 1380.3%quiet FY2009
Stanislaus, CA$1M65th of 1050.2%quiet FY2009
Merced, CA$618K50th of 680.2%quiet FY2009
Tulare, CA$450K65th of 840.1%quiet FY2008
Sonoma, CA$250K98th of 1120.0%quiet FY2009
Sacramento, CA$250K160th of 1700.0%quiet FY2008
Mariposa, CA$163K13th of 190.9%quiet FY2009
Madera, CA$75K58th of 610.0%quiet FY2008
San Francisco, CA$50K139th of 1400.0%quiet FY2008
Santa Clara, CA$40K187th of 1870.0%quiet FY2008
San Joaquin, CA$25K130th of 1300.0%quiet FY2008
Kings, CA$25K58th of 590.0%quiet FY2008
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade15$1M21.3%0.00%1378th of 2,589
Accommodation & food services4$910K13.9%0.00%1640th of 2,596
Transportation & warehousing2$865K13.2%0.01%812th of 1,563
Manufacturing4$735K11.3%0.00%1519th of 2,246
Construction4$675K10.3%0.00%1347th of 2,063
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Westamerica Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans WB Westamerica Bank 0.0% $7M · 41 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Westamerica BankRankCohort median
Total CRE against capital, the 300% screen55%1st of 11214%
Construction against capital, the 100% screen0%1st of 1119%
Construction and land development, share of loans0.0%1st of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans49.8%10th of 1125.7%
Total CRE, the guidance definition, share of loans50.7%10th of 1238.6%
CRE growth over 36 months, the third prong-3.5%3rd of 12+12.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Royal Business Bank$4.27B1.2%52.3%0.72%0.01%1.3%95.2%13.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Westamerica BankCohort median
20212026Change20212026Change
Loans$1.19B$669M-44%$2.10B$3.62B+73%
Deposits$6.08B$4.78B-21%$3.28B$4.82B+47%
NPA / loans0.37%0.12%-0.25 pts0.16%0.30%+0.14 pts
Efficiency47.1%42.5%-4.6 pts53.6%47.0%-6.6 pts
ROA1.21%1.81%+0.61 pts1.39%1.22%-0.16 pts

This read was prepared for Westamerica Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Westamerica Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.westamerica.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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