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Western Alliance Bancorporation (WAL) investor relations material
Western Alliance Bancorporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income reached $260.5 million and EPS was $2.28 in Q3 2025, up over 10% sequentially and more than 26% year-over-year, with net revenue at $938.2 million, driven by strong balance sheet growth and stable net interest margins.
Total assets surpassed $90 billion, with deposits up $6.1 billion sequentially and $9.2 billion year-over-year, and loans up 6.2% year-over-year.
Tangible book value per share rose 12.7% year-over-year to $58.56.
Asset quality remained stable, with criticized assets declining and net charge-offs at 22 basis points, though a $98 million non-accrual loan required a $30 million reserve.
Completed a brand unity initiative, consolidating all legacy division brands under Western Alliance Bank.
Financial highlights
Net interest income rose 7.7% year-over-year to $750.4 million, driven by organic loan growth and higher average earning assets.
Non-interest income increased 26.7% sequentially and 48.8% year-over-year to $187.8 million, led by mortgage banking revenue.
Non-interest expenses increased to $544.4 million, mainly due to higher salaries, data processing, and seasonally elevated balances.
Pre-provision net revenue grew 19% over the prior quarter and 37.8% year-over-year to $393.8 million.
Provision for credit losses was $80 million, reflecting higher net charge-offs and a specific reserve for a legal dispute.
Outlook and guidance
2025 outlook projects loan growth of $5 billion and deposit growth of $8.5 billion, with net interest income expected to rise 8–10% and non-interest income up 12–16% year-over-year.
Net interest margin expected to be mid-3.5% for the full year; non-interest expense expected to rise 2.5–4%.
ECR-related deposit costs forecasted at $140–$150 million in Q4, with full-year costs slightly above $600 million.
Asset quality expected to remain strong, with full-year net charge-offs around 20 basis points.
Assumes two 25 bps rate cuts in 2025; effective tax rate expected at ~20%.
Quantify Cantor Group V loan's impact on asset quality
Evaluate deposit mix changes and funding stability
Assess HFI loan portfolio shift and risk
How will WAL prevent future collateral fraud?
What drives WAL's share repurchase strategy?
How will WAL optimize ECR deposit costs?
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Next Western Alliance Bancorporation earnings date
Q4 202529 Jan, 2026
Next Western Alliance Bancorporation earnings date
Q4 202529 Jan, 2026
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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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