West Bank Reports Q4 2025 Net Interest Margin of 2.47%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 29 2026
0mins
Net interest margin, on a fully tax-equivalent basis, was 2.47 percent for the fourth quarter of 2025, compared to 2.36 percent for the third quarter of 2025. Net interest income for the fourth quarter of 2025 was $24.2 million, compared to $22.5 million for the third quarter of 2025. David Nelson, President and Chief Executive Officer of the Company, commented, "We have had continuous improvement in earnings and key performance metrics throughout 2025 and finished the year very strong. Through proactive and strategic balance sheet management, we see opportunities for further improvements in 2026. West Bank remains focused on relationship building and outstanding service and support. Our customer base continues to grow in all of our markets."
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Analyst Views on WTBA
About WTBA
West Bancorporation, Inc., is a financial holding company. The Company owns West Bank (the Bank), which is a business-focused community bank. The Bank provides full-service community banking and trust services to customers. The Bank offers a range of credit to its customers, including commercial, real estate, and consumer loans. It also offers trust services, including the administration of estates, conservatorships, personal trusts, and agency accounts. The Company operates in markets, including central Iowa, which is generally the greater Des Moines metropolitan area; eastern Iowa, which includes the area surrounding Iowa City and Coralville, and southern Minnesota, which includes the cities of Rochester, Owatonna, Mankato, and St. Cloud. The Bank offers a full range of commercial and consumer deposit services, including checking, savings and money market accounts and time certificates of deposit. It also offers online banking, mobile banking, and treasury management services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
West Bancorporation to Report Q2 2026 Results on July 23
- Earnings Release Schedule: West Bancorporation will report its Q2 2026 financial results on July 23, 2026, before the market opens, providing investors with insights into its latest financial health and operational performance.
- Conference Call Details: The company will hold a conference call at 2:00 p.m. Central Time on the same day to discuss the earnings report, with a dial-in number of 800-715-9871 and conference ID 7846129, facilitating investor participation.
- Recording Playback Service: A recording of the conference call will be available until August 6, 2026, allowing investors who cannot attend live to access key information by dialing 800-770-2030, ensuring broad communication of important updates.
- Company Background Information: Established in 1893, West Bank focuses on providing lending, deposit, and trust services to consumers and small to medium-sized businesses, with multiple branches in Iowa and Minnesota, highlighting its strong position in the community banking sector.
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West Bancorp (WTBA) Q1 2026 Earnings Transcript
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West Banc Q1 Earnings Beat Expectations
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- Revenue Miss: Revenue of $26.9 million, up 16.5% year-over-year, fell short of expectations by $0.25 million, suggesting increased market competition may be impacting revenue growth.
- Positive Outlook: The company signals margin expansion and robust deposit growth for 2026 following a $4 million securities repositioning, reflecting confidence in future growth prospects.
- Market Reaction: While revenue missed expectations, the earnings beat may provide short-term support for the stock price, prompting investors to monitor future market dynamics and strategic adjustments.
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- Dividend Yield: The forward yield of 4.23% reflects the company's attractiveness in the current market environment, potentially boosting shareholder confidence and stabilizing the stock price.
- Shareholder Record Date: The dividend will be payable on May 20, with a record date of May 6 and an ex-dividend date also on May 6, providing investors with a clear timeline for their investment decisions.
- Future Outlook: West Banc's signals of margin expansion and robust deposit growth for 2026, combined with this dividend announcement, demonstrate the company's proactive strategies in capital management and business growth, which may further enhance market recognition of its stock.
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- Financial Performance: West Bancorporation reported a net income of $10.6 million for Q1.
- Earnings Per Share: The earnings per share (EPS) for the quarter was $0.61.
- Regulatory Filing: The financial results were disclosed in a SEC filing.
- Overall Outlook: The results indicate a stable financial position for the corporation in the first quarter.
See More
West Banc Declares Quarterly Dividend of $0.25
- Quarterly Dividend Announcement: West Banc declares a quarterly dividend of $0.25 per share, consistent with previous distributions, reflecting the company's stable cash flow and profitability.
- Dividend Yield: The forward yield of 4.48% offers investors a relatively attractive return, enhancing the company's appeal among shareholders.
- Payment Schedule: The dividend is payable on February 25, with a record date of February 11 and an ex-dividend date also on February 11, ensuring shareholders receive their earnings promptly.
- Financial Transparency: West Banc provides a detailed dividend scorecard and historical earnings data, further bolstering investor confidence in the company's financial health.
See More
West Bancorporation to Report Q2 2026 Results on July 23
- Earnings Release Schedule: West Bancorporation will report its Q2 2026 financial results on July 23, 2026, before the market opens, providing investors with insights into its latest financial health and operational performance.
- Conference Call Details: The company will hold a conference call at 2:00 p.m. Central Time on the same day to discuss the earnings report, with a dial-in number of 800-715-9871 and conference ID 7846129, facilitating investor participation.
- Recording Playback Service: A recording of the conference call will be available until August 6, 2026, allowing investors who cannot attend live to access key information by dialing 800-770-2030, ensuring broad communication of important updates.
- Company Background Information: Established in 1893, West Bank focuses on providing lending, deposit, and trust services to consumers and small to medium-sized businesses, with multiple branches in Iowa and Minnesota, highlighting its strong position in the community banking sector.
See More
West Bancorp (WTBA) Q1 2026 Earnings Transcript
See More
West Banc Q1 Earnings Beat Expectations
- Earnings Beat: West Banc reported Q1 GAAP EPS of $0.61, exceeding expectations by $0.03, indicating strong profitability that may bolster investor confidence.
- Revenue Miss: Revenue of $26.9 million, up 16.5% year-over-year, fell short of expectations by $0.25 million, suggesting increased market competition may be impacting revenue growth.
- Positive Outlook: The company signals margin expansion and robust deposit growth for 2026 following a $4 million securities repositioning, reflecting confidence in future growth prospects.
- Market Reaction: While revenue missed expectations, the earnings beat may provide short-term support for the stock price, prompting investors to monitor future market dynamics and strategic adjustments.
See More
West Banc Declares Quarterly Dividend of $0.25
- Quarterly Dividend Announcement: West Banc has declared a quarterly dividend of $0.25 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability, which is likely to attract more investor interest.
- Dividend Yield: The forward yield of 4.23% reflects the company's attractiveness in the current market environment, potentially boosting shareholder confidence and stabilizing the stock price.
- Shareholder Record Date: The dividend will be payable on May 20, with a record date of May 6 and an ex-dividend date also on May 6, providing investors with a clear timeline for their investment decisions.
- Future Outlook: West Banc's signals of margin expansion and robust deposit growth for 2026, combined with this dividend announcement, demonstrate the company's proactive strategies in capital management and business growth, which may further enhance market recognition of its stock.
See More
West Bancorporation Inc. Reports Q1 Net Income of $10.6 Million, or $0.61 per Share, in SEC Filing
- Financial Performance: West Bancorporation reported a net income of $10.6 million for Q1.
- Earnings Per Share: The earnings per share (EPS) for the quarter was $0.61.
- Regulatory Filing: The financial results were disclosed in a SEC filing.
- Overall Outlook: The results indicate a stable financial position for the corporation in the first quarter.
See More
West Banc Declares Quarterly Dividend of $0.25
- Quarterly Dividend Announcement: West Banc declares a quarterly dividend of $0.25 per share, consistent with previous distributions, reflecting the company's stable cash flow and profitability.
- Dividend Yield: The forward yield of 4.48% offers investors a relatively attractive return, enhancing the company's appeal among shareholders.
- Payment Schedule: The dividend is payable on February 25, with a record date of February 11 and an ex-dividend date also on February 11, ensuring shareholders receive their earnings promptly.
- Financial Transparency: West Banc provides a detailed dividend scorecard and historical earnings data, further bolstering investor confidence in the company's financial health.
See More
