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Westamerica Bank
San Rafael, CA · FDIC Certificate #3430 · Chartered 02/2
Total assets
$5.77B
Total deposits
$4.78B
Total equity
$604.84M
Net loans
$658.04M
Branches (offices)
75
Net income (YTD)
$53.68M
Rank: #257 of 4,213 U.S. banks by assets · #22 of 115 in California. Assets changed -0.3% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.84% |
| Return on equity | 17.41% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 10.49% |
| Tier 1 leverage ratio | 10.27% |
| Uninsured deposits (share of deposits) | 49.6% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 13.8% |
| Real estate loans (share of loans) | 71.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $472.02M | 71.7% | |
| Commercial & industrial | $72.37M | 11.0% | |
| Consumer / individual | $92.08M | 14.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $2.91M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.18B | $6.42B | $47.00M | $488.55M |
| Jun 2023 | $6.54B | $5.71B | $79.69M | $512.86M |
| Jun 2024 | $6.27B | $5.13B | $70.88M | $572.84M |
| Jun 2025 | $5.79B | $4.75B | $59.64M | $623.45M |
| Jun 2026 | $5.77B | $4.78B | $53.68M | $604.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $4.78B | 75 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.78B.
Similar-sized banks
Farmers & Merchants Bank Of Central California ($5.83B) · Emigrant Bank ($5.68B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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