WABC · CIK 0000311094
What Westamerica Bancorporation told the SEC could break it.
1 self-disclosed vulnerability, pulled from its own filings — each in the company’s words, with the source. This is the risk register almost nobody reads.
A limited set so far — we surface every cited disclosure we’ve extracted for WABC. More may follow as additional filings are processed.
In its own words
What could break it.
Geographic concentration
- California single-state concentration / real-estate collateralmedium
Substantially all of Westamerica's business is located in California (Northern and Central CA), and real estate served as the principal collateral for approximately 68% of its loan portfolio at December 31, 2025 — concentrating credit risk in a single state and in real-estate values.
“Substantially all of the Company's business is located in California. A portion of the loan portfolio of the Company is dependent on real estate. At December 31, 2025, real estate served as the principal source of collateral with respect to approximately 68% of the Company's loan portfolio.”
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