West Bancorporation (WTBA) Q3 2026 Earnings Call: Profit Rises 25%, Loans Return to Growth
Source Tradingkey
Key Takeaways
- Third-quarter net income increased 25% year over year to $11.6 million. Net income for the first nine months of 2026 rose 32% to $33.3 million.
- Net interest income grew $3.9 million, or 17%, from Q3 2025. Net interest margin expanded 8 basis points quarter over quarter and 41 basis points year over year.
- Loans increased 1.5% from the second quarter to approximately $3 billion, marking the first sequential increase in five quarters.
- Credit quality remained strong: there were no loans more than 30 days past due, no nonaccrual loans and no other real estate owned. Watch-list loans represented 0.6% of total loans.
- Management described the fourth-quarter loan pipeline as strong, with known prospective payoffs declining to about $30 million from roughly $90 million entering Q3.
- The board approved a quarterly dividend of $0.26 per share, payable November 25 to shareholders of record on November 11.
Key Financial Data
| Metric | Q3 2026 result | Change or context |
|---|---|---|
| Net income | $11.6 million | Up 25% year over year |
| Year-to-date net income | $33.3 million | Up 32% from the first nine months of 2025 |
| Net interest income | Not specified | Up $3.9 million, or 17%, year over year |
| Net interest margin | Not specified | Up 8 basis points sequentially and 41 basis points year over year |
| Loan portfolio | Approximately $3 billion | Up 1.5% quarter over quarter |
| Cost of deposits | Not specified | Up 3 basis points sequentially; down 41 basis points year over year |
| Noninterest expense | Not specified | Up 3% year over year; up 2.7% year to date |
| Provision for credit losses | $0 | No provision recorded in Q3 |
| Watch-list loans | 0.6% of total loans | Primarily transportation credits |
| Quarterly dividend | $0.26 per share | Payable November 25 |
Business and Operating Performance
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