BlastPoint's Banking Scorecard
Westamerica Bank
Mid-Market
Specialty: Other
CA
FDIC cert 3430
San Rafael, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Westamerica Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Mid-Market
- + Deposit Franchise: Top 48% in Mid-Market
- + Return on Assets 0.79% above tier
- + Loan-to-Deposit Ratio 70.71% below tier
- + Nonperforming Asset Ratio 0.47% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 25% in Mid-Market
- - Margin Compression: Bottom 56% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.9B
-1.9% YoY
+0.8% QoQ
|
-$4.5B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$714.9M
-11.2% YoY
-2.0% QoQ
|
-$6.4B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$4.8B
-3.4% YoY
+1.0% QoQ
|
-$3.7B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.95%
-10.5% YoY
-1.2% QoQ
|
+0.79% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
3.96%
-8.8% YoY
-0.8% QoQ
|
+0.56% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
40.19%
+9.6% YoY
+1.0% QoQ
|
-16.42% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.25%
+178.1% YoY
-30.0% QoQ
|
-0.43% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
14.76%
-8.1% YoY
-3.0% QoQ
|
-70.71% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.55%
-0.0% YoY
+0.8% QoQ
|
+25.91% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.03%
+151.6% YoY
-31.9% QoQ
|
-0.47% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
15.14%
-1.3% YoY
-1.9% QoQ
|
+1.58% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.71%
-0.1% YoY
+31.5% QoQ
|
-0.25% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (5)
Credit Quality Leader
growth
#1 of 50 · Top 1% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Deposit Franchise
growth
#11 of 22 · Top 48% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
46.55%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
3.96%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 7%
in Mid-Market
Why this stands out
Current:
1.95%
(Tier avg: 1.16%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
14.76%
(Tier avg: 85.47%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 7%
in Mid-Market
Why this stands out
Current:
0.03%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Deposit Outflow
decline
#9 of 33 · Bottom 25% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#11 of 19 · Bottom 56% in Mid-Market
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:
1.95%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Loan-to-Deposit Ratio
Current: 14.76% · Tier avg: 85.47%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.55% · Tier avg: 20.64%
93
93th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.16%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
90
90th pctile
Efficiency Ratio
Current: 40.19% · Tier avg: 56.60%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.14% · Tier avg: 13.55%
78
78th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
76
76th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.40%
56
56th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.96%
19
19th pctile
Total Assets
Current: $5.9B · Tier avg: $10.5B
16
16th pctile
Total Deposits
Current: $4.8B · Tier avg: $8.5B
2
2th pctile
Total Loans
Current: $714.9M · Tier avg: $7.1B
Top Weaknesses
2
2th pctile
Total Loans
Current: $714.9M · Tier avg: $7.1B
16
16th pctile
Total Deposits
Current: $4.8B · Tier avg: $8.5B
19
19th pctile
Total Assets
Current: $5.9B · Tier avg: $10.5B
56
56th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.96%
76
76th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.40%
78
78th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.14% · Tier avg: 13.55%
90
90th pctile
Efficiency Ratio
Current: 40.19% · Tier avg: 56.60%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
93
93th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.16%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.55% · Tier avg: 20.64%
100
100th pctile
Loan-to-Deposit Ratio
Current: 14.76% · Tier avg: 85.47%