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Investor Relations14 Oct 2025
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West Bancorporation (WTBA) investor relations material
West Bancorporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $8.0 million ($0.47 per diluted share), up from $5.2 million in Q2 2024 and $7.8 million in Q1 2025.
Six-month net income reached $15.8 million ($0.93 per share), up from $11.0 million ($0.65 per share) year-over-year.
Board declared a $0.25 per share dividend, annualized yield 5.09%, payable August 20, 2025.
Opened new headquarters in April 2024, consolidating operations and supporting growth.
Credit quality remains strong with no nonaccrual loans or nonperforming assets at June 30, 2025.
Financial highlights
Net interest income for Q2 2025 was $21.4 million, up from $20.9 million in Q1 2025 and $17.2 million in Q2 2024.
Net interest margin (FTE) was 2.27% in Q2 2025, up from 1.86% in Q2 2024.
Efficiency ratio improved to 56.45% in Q2 2025 from 67.14% in Q2 2024.
Return on average assets was 0.80% and return on average equity was 13.65% in Q2 2025.
Allowance for credit losses to total loans was 1.03% at June 30, 2025.
Outlook and guidance
Management expects continued margin and earnings improvement through asset repricing and controlled funding costs.
Deposit costs may remain flat or slightly increase until Fed rate changes.
Robust loan and deposit pipelines anticipated to support growth.
Expense run rate from Q2 expected to be a good indicator for the remainder of the year.
Interest rate risk is actively managed; net interest income projected to decrease by up to 7.68% if rates rise 300 bps, but increase by 4.36% if rates fall 300 bps.
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Next West Bancorporation earnings date
Q3 202523 Oct, 2025
Next West Bancorporation earnings date
Q3 202523 Oct, 2025
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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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