West Bancorporation (NasdaqGS:WTBA) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Company ParticipantsDave Nelson - CEODavid Welch - Private Investor and PrincipalBrad Peters - Minnesota Group PresidentTodd Mather - Banking Manager and Chief Credit OfficerHarlee Olafson - Chief Risk OfficerJane Funk - CFOConference Call ParticipantsNathan Race - Managing Director and Senior Research AnalystOperatorLadies and gentlemen, thank you for standing by. My name is Colby, and I will be your conference operator ...

West Bancorporation (NasdaqGS:WTBA) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Company ParticipantsDave Nelson - CEODavid Welch - Private Investor and PrincipalBrad Peters - Minnesota Group PresidentTodd Mather - Banking Manager and Chief Credit OfficerHarlee Olafson - Chief Risk OfficerJane Funk - CFOConference Call ParticipantsNathan Race - Managing Director and Senior Research AnalystOperatorLadies and gentlemen, thank you for standing by. My name is Colby, and I will be your conference operator ...

West Bancorporation (NasdaqGS:WTBA) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Speaker3Ladies and gentlemen, thank you for standing by. My name is Colby, and I will be your conference operator today. At this time, I would like to welcome you to the West Bancorporation Inc. Q3 2025 earnings conference call. All lines have been placed on mute to prevent any background noise, and after the speaker remarks, there will be a question and answer session. If you would like to ask a question at that time, pl ...

West Bancorporation (NasdaqGS:WTBA) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Speaker0Ladies and gentlemen, thank you for standing by. My name is Colby, and I will be your conference operator today. At this time, I would like to welcome you to the West Bancorporation Inc. Q3 twenty twenty five Earnings Conference Call. All lines have been placed on mute to prevent any background noise.And after the speaker remarks, there will be a question and answer session. Thank you. I would like to turn the con ...

West Bancorp (WTBA) came out with quarterly earnings of $0.55 per share, beating the Zacks Consensus Estimate of $0.47 per share. This compares to earnings of $0.35 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +17.02%. A quarter ago, it was expected that this holding company for West Bank would post earnings of $0.45 per share when it actually produced earnings of $0.47, delivering a surprise of +4.44%.Over the last four qu ...

WEST DES MOINES, Iowa, Oct. 23, 2025 (GLOBE NEWSWIRE) -- West Bancorporation, Inc. (Nasdaq: WTBA; the “Company”), parent company of West Bank, today reported third quarter 2025 net income of $9.3 million, or $0.55 per diluted common share, compared to second quarter 2025 net income of $8.0 million, or $0.47 per diluted common share, and third quarter 2024 net income of $6.0 million, or $0.35 per diluted common share. For the first nine months of 2025, net income was $25.1 million, or $1.48 per diluted commo ...

Exhibit 99.1 Press Release October 23, 2025 FOR IMMEDIATE RELEASE For more information contact: Jane Funk, Executive Vice President, Treasurer and Chief Financial Officer (515) 222-5766 WEST BANCORPORATION, INC. ANNOUNCES THIRD QUARTER 2025 FINANCIAL RESULTS AND DECLARES QUARTERLY DIVIDEND West Des Moines, IA - West Bancorporation, Inc. (Nasdaq: WTBA; the "Company"), parent company of West Bank, today reported third quarter 2025 net income of $9.3 million, or $0.55 per diluted common share, compared to seco ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 0-49677 WEST BANCORPORATION, INC. (Exact Name of Registrant as Specified in its Charter) (State of Incorp ...

财务数据和关键指标变化 - 今年上半年收益比去年高出约54% [4] - 第二季度贷款余额减少约5000万美元，核心存款余额增加约1.95亿美元，经纪资金减少约1.27亿美元 [18] - 第二季度净收入为800万美元，高于2024年第二季度的520万美元和2025年第一季度的780万美元 [19] - 第二季度贷款收益率为5.59%，高于第一季度的5.52%，存款成本上升4个基点 [20] 各条业务线数据和关键指标变化 - 截至2025年6月30日，贷款未偿还额略降至略低于30亿美元，主要因资产出售和再融资活动导致部分大额贷款偿还 [11] - 第二季度存款余额增加超过6700万美元 [12] 各个市场数据和关键指标变化 - 得梅因市场的办公物业处于困境，存在大量空置问题，但公司大部分办公物业为业主自用，少数多租户物业表现良好，非业主自用办公物业平均贷款价值比为65%，债务偿付覆盖率为1.35倍 [8][9] 公司战略和发展方向和行业竞争 - 公司专注于建立客户关系和增加存款，仍有大量资产重新定价的机会，这将在2025年和2026年继续改善利润率和收益 [5] - 公司致力于严格的承销原则，预计信贷组合将保持强劲 [9] - 明尼苏达州银行继续针对存款丰富的商业银行业务机会和高价值零售存款，通过有纪律的电话营销方式吸引新业务 [14][15] 管理层对经营环境和未来前景的评论 - 公司认为信贷质量将继续保持强劲，六个市场都在蓬勃发展，经验丰富的银行团队将继续寻找强大的综合客户关系 [9] - 贷款业务管道目前相当强劲，公司将坚持合理定价，预计今年有很多机会维持和增长贷款组合 [22] - 公司认为下半年利润率有改善机会，资产重新定价将继续进行，存款成本可能相对平稳或略有上升 [23][24] 其他重要信息 - 公司宣布每股0.25美元的股息，将于8月20日支付给8月6日登记在册的股东，目前股票收益率超过5% [5] - 公司信贷质量非常强，季度末有一笔30天逾期贷款现已还清，其他资产、其他房地产、可疑账户、非应计贷款和次级贷款均为零 [6] - 观察名单包括四个客户关系，三个与运输业相关，均有良好担保且还款正常，另一个是资金困难的小型非营利组织 [7] 问答环节所有提问和回答 问题1: 目前客户情绪如何，从贷款增长角度看下半年业务管道情况，以及如何看待下半年贷款增长趋势和商业客户情况 - 业务管道目前相当强劲，有多个项目在管道中，公司在定价上保持谨慎，不承接低价资产，预计今年有很多机会维持和增长贷款组合 [22] 问题2: 如何看待下半年利润率走势，若信贷暂停或下半年有一两次降息会怎样 - 下半年利润率有改善机会，贷款组合的资产重新定价将继续进行，无论美联储是否降息都会如此，存款成本可能相对平稳或略有上升，在美联储采取行动前难以大幅降低 [23][24] 问题3: 北部市场（双子城及以南地区）有明显的并购相关干扰，招聘更多业务人员、开设其他办事处或利用现有团队的机会有多大 - 市场存在机会，公司在服务的市场中有能力利用这些机会，随着并购的进行和大银行放弃部分地区中心，未来仍有持续机会 [25] 问题4: 尽管本季度有市政存款流入推动存款增长，但公司存款增长仍很强劲，如何看待下半年的存款增长机会 - 公司的业务管道同样注重存款关系和信贷关系，将继续在各地区寻找能帮助建立强大资产负债表的优质客户，银行每天都在为此努力 [27] 问题5: 第二季度的费用运行率是否可作为下半年的参考，是否会因通胀压力而略有上升 - 第二季度的数据可能是一个很好的参考，预计下半年不会有重大变化 [28]

公司业绩表现 - 公司最新季度每股收益为0.47美元 超出Zacks一致预期的0.45美元 同比增长51.6% [1] - 季度营收达2383万美元 超出预期1.83% 较去年同期1958万美元增长21.7% [2] - 过去四个季度公司连续四次超越每股收益预期 四次超越营收预期 [2] 市场表现与预期 - 公司股价年初至今下跌10.5% 同期标普500指数上涨8.1% [3] - 当前市场对下季度每股收益预期为0.48美元 营收预期2410万美元 本财年每股收益预期1.90美元 营收预期9580万美元 [7] - 近期盈利预测修正趋势不利 导致Zacks评级为5级(强烈卖出) [6] 行业比较 - 所属金融-储蓄贷款行业在Zacks行业排名中处于后26%分位 [8] - 同业公司Citizens Community Bancorp预计季度每股收益0.29美元 同比下降19.4% 预计营收1470万美元 同比增长9% [9] 未来关注点 - 管理层在财报电话会中的评论将影响股价短期走势 [3] - 后续盈利预测修正趋势变化值得关注 历史显示这与股价走势高度相关 [5][6]