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Investor Relations14 Oct 2025
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Western Alliance Bancorporation (WAL) investor relations material
Western Alliance Bancorporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary18 Jul, 2025
Executive summary
Net income rose to $237.8 million in Q2 2025, up 22.8% year-over-year, with EPS at $2.07 and strong loan and deposit growth.
Net revenue reached $845.9 million, a 9.6% increase year-over-year, driven by higher net interest and noninterest income.
Tangible book value per share increased 14.5% year-over-year to $55.87; CET1 ratio improved to 11.2%.
Asset quality improved, with nonperforming loans at 0.76% of funded HFI loans and criticized loans declining.
Unified six legacy division brands under a single brand to strengthen national presence.
Financial highlights
Net interest income grew 7.2% quarter over quarter to $697.6 million; PPNR up 16.2% year-over-year to $331.2 million.
Net interest margin was 3.53%, up 6 bps sequentially but down 10 bps year-over-year.
Noninterest income increased 16.4% quarter over quarter to $148 million, with mortgage banking revenue at $78 million.
Adjusted efficiency ratio improved to 51.8% from 55.8% sequentially.
Annualized net loan charge-offs to average loans outstanding were 0.22%.
Outlook and guidance
Management projects 8–10% growth in loans and deposits for 2025, with net interest income up 1–4%.
CET1 capital expected to remain above 11%, maintaining a prudent capital buffer.
Net interest margin expected to approximate 2024’s upper 3.5% level.
Asset quality expected to remain stable; full-year net charge-offs forecasted at 20 bps.
Management remains flexible and cautious given the uncertain environment.
Explain the increase in repossessed assets.
How did deposit costs impact non-interest expense?
Detail drivers of commercial & industrial loan growth.
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Next Western Alliance Bancorporation earnings date
Q3 202522 Oct, 2025
Next Western Alliance Bancorporation earnings date
Q3 202522 Oct, 2025
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Frequently asked questions
Western Alliance Bancorporation is a bank holding company that provides commercial banking, treasury management, and real estate lending services. It serves businesses, entrepreneurs, and professionals across several U.S. markets. The company is headquartered in Phoenix, Arizona, and its shares are listed on the NYSE.
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