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West Bancorporation
West Bancorporation (WTBA) investor relations material
West Bancorporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income for 2025 rose 35% year-over-year to $32.6 million ($1.92 per diluted share), despite a $4 million pre-tax loss from a securities sale in Q4.
Q4 net income was $7.4 million ($0.43 per share), down from $9.3 million in Q3 but up from $7.1 million in Q4 2024.
Loan portfolio remains problem-free, with no past dues, non-accruals, or substandard loans at year-end 2025.
Deposits grew strongly, with core deposit balances up $212 million in Q4 and $223 million for the year; total deposits increased $162 million sequentially and $110.9 million year-over-year.
A $0.25 dividend was declared, payable February 25th to shareholders of record as of February 11th.
Financial highlights
Net interest margin increased 11 basis points sequentially and 49 basis points year-over-year, reaching 2.47% in Q4 2025.
Cost of deposits declined 28 basis points from Q3 and 64 basis points from Q4 2024.
No provision for credit losses was recorded in Q4 or for the full year 2025.
Efficiency ratio improved to 50.21% in Q4 2025 from 54.06% in Q3 2025 and 60.79% in Q4 2024.
Tangible common equity ratio increased to 6.42% at year-end 2025 from 5.68% at year-end 2024.
Outlook and guidance
Loan growth expected to pick up with economic expansion; margin improvement anticipated in 2026.
Deposit growth outlook is uncertain due to expected outflows from public funds in 2026.
Ongoing evaluation of further securities portfolio repositioning in 2026, with no set plans.
Net interest margin at year-end was about 2.5%, with room for improvement even if rates remain unchanged.
Management anticipates further improvements in 2026, citing proactive balance sheet management and ongoing customer growth.
Details on the commercial real estate watch loan
Update on securities sale proceeds redeployment
NIM outlook and balance sheet strategy for 2026
What's the plan for trucking industry watchlist?
Detail Q1 2026 loan growth drivers and pipeline
What triggers further securities repositioning?
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Next West Bancorporation earnings date
Q1 202623 Apr, 2026
West Bancorporation
Next West Bancorporation earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
West Bancorporation Inc operates as a financial holding company for West Bank, offering a full range of commercial and retail banking services. Its offerings include deposits, loans, treasury management, and trust services, primarily catering to businesses, professionals, and individuals in Iowa and Minnesota. The company operates through a network of full-service branches. The company is headquartered in West Des Moines, Iowa, and its shares are listed on the NASDAQ.
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