Safety and Soundness

March 29, 2024

Westamerica: Financially Sound for your Peace of Mind

First chartered in 1884, we're one of the largest commercial banks headquartered in California and one of the most stable community banks in the nation. Westamerica has earned the distinction of being classified as “well capitalized” which means that we exceed required bank regulatory standards with enough available capital to maintain a safe and sound operating environment. 

• Over $6.3 billion in total assets¹
  
  
• A 15.7% loan-to-deposit ratio¹ and we don’t borrow federal funds to make loans in our communities.
  
  
• Conservative loan underwriting minimizes our loan losses and ensures a high quality loan portfolio with no sub-prime loans.
  
  
•  “Well Capitalized” FDIC capital classification.¹

Our financial numbers speak for themselves:

As a member of the FDIC, your deposits have the maximum insurance available. You can have confidence that the Community Bankers at Westamerica will keep your finances secure.

¹ FDIC, Consolidated Reports of Conditions and Income, FFIEC 041, 12/31/2023