The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (75 → 78), mostly because the loan quality component improved by 18 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in California

Yes. Westamerica Bank is an FDIC-insured institution (FDIC certificate #3430). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.6% of deposits ($2.4B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.69% (benchmark: 10%).

Check how much of your own balance is covered

Westamerica Bank lists 75 offices in 62 cities. Most locations:

• Fresno, CA (5)
• San Rafael, CA (3)
• Merced, CA (2)
• Mill Valley, CA (2)
• Modesto, CA (2)
• Napa, CA (2)
• Novato, CA (2)
• Sacramento, CA (2)
• Santa Rosa, CA (2)
• American Canyon, CA (1)
• Atwater, CA (1)
• Bakersfield, CA (1)

All branch addresses and map

Legal name

Westamerica Bank

Former names

Westamerica Bank, National Association; The First National Bank of Mendocino County; The First National Bank of Cloverdale

Type

State-chartered bank (Fed member)

FDIC certificate #

3430

RSSD ID

697763

Primary regulator

FED

Holding company

Westamerica Bcorp

Established

February 24, 1884

Headquarters

1108 5th Ave, San Rafael, CA 94901

Website

www.westamerica.com

Employees

573