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West Bancorporation (WTBA) investor relations material
West Bancorporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $9.3 million ($0.55 per diluted share), up 16% sequentially and 55-56% year-over-year, driven by expanding net interest margin and strong credit quality.
Nine-month 2025 net income reached $25.1 million ($1.48 per diluted share), up 48% from the prior year.
Return on average assets for Q3 2025 was 0.92% and return on average equity was 15.25%, both significantly higher than the prior year.
Loan portfolio quality remained strong, with nonperforming loans to total assets at 0.00% as of September 30, 2025.
Board declared a $0.25 per share quarterly dividend, payable November 19, 2025.
Financial highlights
Net interest income for Q3 2025 was $22.5 million, up 25% year-over-year and from $21.4 million in Q2 2025.
Net interest margin (FTE) improved to 2.36% in Q3 2025 from 2.27% in Q2 2025 and 1.91% in Q3 2024.
Efficiency ratio improved to 54.06% in Q3 2025 from 56.45% in Q2 2025 and 63.28% in Q3 2024.
Loan balances increased by $42.5 million (1.4%) sequentially in Q3, but were down $12.3 million year-over-year.
Core deposit balances decreased by $82-85.5 million in Q3, mainly due to anticipated public fund outflows.
Outlook and guidance
Expectation to maintain mid-single digit loan growth, supported by selective credit standards and deposit gathering.
Margin tailwinds anticipated from $550 million in fixed-rate loans repricing over the next 12 months.
Management anticipates further improvement in earnings and continues to focus on strategic goals, including enhancements to treasury management and digital banking services.
Deposit beta may be less aggressive than last year due to competitive pressures, despite potential Fed rate cuts.
Tax rate expected to revert to levels seen in the first half of the year.
Update on transportation watchlist credits
Deposit gathering strategy for loan growth
Impact of competitor M&A on Minnesota growth?
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Next West Bancorporation earnings date
Q4 202522 Jan, 2026
Next West Bancorporation earnings date
Q4 202522 Jan, 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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