Westamerica Bank
San Rafael, CA
IDRSSD: 697763
Total Assets
$5.92B
Latest filing
Total Deposits
$4.84B
Latest filing
Net Interest Margin
3.89%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Westamerica Bank
1108 5th Ave
San Rafael, CA 94901
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/24/1884FDIC Certificate 2226
Branches (75)
Page 1 of 11| Name | Address | City / State |
|---|---|---|
| Westamerica Bank (Main) | 1108 5th Ave | San Rafael, CA |
| BAKERSFIELD BRANCH | 2130 Chester Ave | Bakersfield, CA |
| NORTH NAPA BRANCH | 1 Financial Plz | Napa, CA |
| GRASS VALLEY BRANCH | 375 Brunswick Rd | Grass Valley, CA |
| CAPITOL BRANCH | 300 Capitol Mall | Sacramento, CA |
| MADERA BRANCH | 401 W Yosemite Ave | Madera, CA |
| EAST SHAW BRANCH | 1172 E Shaw Ave | Fresno, CA |
| SANGER BRANCH | 1500 7th St | Sanger, CA |
Showing 7 of 75
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/24/1884 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 94901 |
| State and County Number | 06041 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 12 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Francisco-Oakland-Berkeley, CA |
Operational Info
| Number of Employees | 593 |
| Domestic Offices | 76 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.westamerica.com |
| Data Updated | 01/30/2026 |
| CERT | 3430 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.92B |
| Total Deposits | $4.84B |
| Total Liabilities | $5.29B |
| Total Equity Capital | $629.88M |
| Net Income | $27.78M |
| Net Loans and Leases | $714.91M |
| Assets Per Employee ($Millions) | $10.11M |
| Bank Premises and Fixed Assets | $39.31M |
| Cash and Balances due from Depository Institutions | $568.67M |
| Deposits Held in Domestic Offices | $4.84B |
Key Performance Ratios
| Return on Assets (ROA) | 1.88% |
| Return on Equity (ROE) | 17.63% |
| Net Interest Margin | 3.89% |
| Efficiency Ratio | 41.36% |
| Tier 1 Risk-Based Capital Ratio | 15.135% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.633% |
| Earning Assets to total Assets | 92.68% |
Income and Expense
| Total Interest Income | $56.57M |
| Total Noninterest Income | $10.27M |
| Total Interest Expense | $3.52M |
| Total Noninterest Expense | $26.19M |
| Net Interest Income | $53.05M |
| Pre-tax Net Operating Income | $37.13M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $403.25M |
| All Other Liabilities | $47.57M |
| Total Liabilities and Capital | $5.92B |
Securities
| Securities | $4.29B |
| Available-for-sale debt securities | $3.47B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $819.58M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Westamerica Bank?
$5.92B as of the latest filing.
How much are Westamerica Bank's total deposits?
$4.84B in total deposits.
Where is Westamerica Bank located?
San Rafael, CA.
What is the Net Interest Margin?
3.89%.
How many domestic offices does it operate?
76.
When was it established?
02/24/1884.
What is the Return on Assets (ROA)?
1.88%.
How much are total loans and leases?
$714.91M (latest filing).
What is the total interest income (latest filing)?
$56.57M.