Total Assets
$5.9B
Total balance-sheet footings
FDIC Cert #3430 · San Rafael, California · Est. 1884
Westamerica Bank - FDIC Bank Health Profile
A community-scale look at Westamerica Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.9B
- Total assets
- A
- Health grade · Excellent
- 1.95%
- Return on assets
- 15.1%
- Tier 1 capital
Data updated July 2026
The verdict
Westamerica Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 15.14% Tier 1, profitable at 1.95% ROA, efficient (40% cost ratio).
- #251
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 15.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Westamerica Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Westamerica Bank's composite health score
Tier 1 Capital Ratio (15.14%) 40/40
Return on Assets (ROA) (1.95%) 25/25
Texas Ratio (0.28%) 20/20
Efficiency Ratio (40.19%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4.8B
Customer-funded liabilities
Net Loans
$715M
Outstanding loan book
Net Income
$115M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Westamerica Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Westamerica Bank's score of 100/100 falls in the highlighted band.
Westamerica Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Westamerica Bank's $5.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.14%
Texas Ratio
0.28%
Equity Capital
$630M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.95%
Return on Equity (ROE)
18.64%
Efficiency Ratio
40.19%
What the numbers say about Westamerica Bank
Westamerica Bank is an FDIC-insured institution (Certificate #3430) headquartered in San Rafael, California, established in 1884. It holds $5.9B in total assets - 251st of 4,313 FDIC-insured banks, $4.8B in customer deposits, and $715M in net loans. Capital-wise, the Tier 1 ratio sits at 15.14%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.28%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Westamerica Bank sits in the top decile of all FDIC-insured institutions by asset size (251st of 4,313), and within California it ranks 19th of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Fremont Bank, at $5.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$230M
Interest Income
$42M
Non-Interest Income
$104M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Westamerica Bank reports a Texas Ratio of 0.28% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Westamerica Bank (FDIC Cert #3430) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Westamerica Bank's health grade?▼
Westamerica Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Westamerica Bank?▼
Westamerica Bank holds $5.9B in total assets and $4.8B in deposits, ranking 251st of 4,313 FDIC-insured banks by asset size. It is headquartered in San Rafael, California.
Is my money safe at Westamerica Bank?▼
Yes, deposits at Westamerica Bank (Certificate #3430) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Westamerica Bank's Tier 1 Capital Ratio?▼
Westamerica Bank has a Tier 1 Capital Ratio of 15.14%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Westamerica Bank?▼
Westamerica Bank has a Texas Ratio of 0.28%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Westamerica Bank?▼
Westamerica Bank has an Efficiency Ratio of 40.19%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Westamerica Bank's profile as a depositor or analyst.
- Westamerica Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Westamerica Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.