The earnings call revealed strong financial performance with significant earnings growth and pristine credit quality. However, there were challenges such as a decrease in core deposit balances and a slowdown in manufacturing clients due to economic uncertainty. Despite these challenges, the overall outlook remains positive due to strong margin improvements and consistent credit quality.
Company Guidance
During the Q3 2025 earnings call, West Bancorporation, Inc. provided comprehensive guidance on its financial performance and strategic initiatives. The company reported a 16% increase in earnings over the previous quarter and a remarkable 55% increase compared to the same quarter last year, driven by an expanding net interest margin. The loan yield improved to 5.66% in the third quarter, up from 5.59% in Q2 2025 and 5.52% in Q1 2025, while the cost of deposits declined by 2 basis points from Q2. The credit quality remained robust, with no past due loans or nonaccruals, and a small watchlist mainly in the transportation industry. Loan balances rose by approximately $43 million, and net income reached $9.3 million, up from $8 million in Q2 and $6 million in Q3 2024. The effective tax rate decreased to around 19% due to a change in estimate on an energy-related investment tax credit. West Bancorporation also declared a $0.25 per share quarterly dividend, payable on November 19, 2025. Looking forward, the company aims to maintain mid-single digit loan growth and manage cash flows through strategic deposit gathering, with potential use of wholesale funding if necessary.
Significant Earnings Increase
West Banc reported a 16% increase in earnings over the prior quarter and a 55% increase over the third quarter of last year.
Strong Credit Quality
West Banc's credit quality remains very strong with no past dues, no OREO, no nonaccruals, no doubtful accounts, and no substandard loans.
Improved Net Income and Interest Income
Net income was $9.3 million in the third quarter compared to $8 million in the second quarter of 2025 and $6 million in the third quarter of last year. The net interest margin improved by 9 basis points from the previous quarter.
West Bancorporation (WTBA) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
WTBA Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 23, 2025
$19.84
$20.52
+3.43%
Jul 24, 2025
$19.11
$18.59
-2.72%
Apr 24, 2025
$19.15
$18.22
-4.86%
Jan 23, 2025
$20.50
$20.45
-0.24%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does West Bancorporation (WTBA) report earnings?
West Bancorporation (WTBA) is schdueled to report earning on Jan 22, 2026, Before Open (Confirmed).
What is West Bancorporation (WTBA) earnings time?
West Bancorporation (WTBA) earnings time is at Jan 22, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.