Inferra AI / Company / WAL
Western Alliance Bancorporation
WAL · Financials
Last earnings Oct 19, 2026
Key results
Net incomequarter
$261 million
net income of $261 million and
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
EPSquarter
$2.28
earnings per share of $2.28, up 10.1% from last quarter and 26.7% year-over-year.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Growthquarter
up 10.1%
earnings per share of $2.28, up 10.1% from last quarter and 26.7% year-over-year.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Net income of $260.5 million and
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
earnings per share of $2.28, up 9.5% and 10.1%, from $237.8 million and $2.07, respectively
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Net revenuequarter
$938.2 million
Net revenue of $938.2 million, an increase of 10.9%, or $92.3 million, compared to an increase in non-interest expenses of 5.8%, or $29.7 million Pre-provision net revenue 1 of $393.8 million, up $62.6 million from $331.2 million Effective tax rate of 17.0%, compared to 18.4%
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
earnings per share of $2.28, up 30.4% and 26.7%, from $199.8 million and $1.80, respectively
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Net revenue of $938.2 million, an increase of 14.0%, or $115.1 million, compared to an increase in non-interest expenses of 1.3%, or $7.0 million Pre-provision net revenue 1 of $393.8 million, up $108.1 million from $285.7 million Effective tax rate of 17.0%
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Revenuequarter
$19.2 million
These increases were partially offset by a decrease in net loan servicing revenue of $19.2 million.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
AI analysis
Q3 2025 · reported Oct 21, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $261 million | — | — |
| EPS | $2.28 | — | — |
| Growth | up 10.1% | — | — |
| Net revenue | $938.2 million | — | — |
| Revenue | $19.2 million | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Net interest margin was flat from the second quarter 2025 due to higher yields on HFI loans and lower rates on debt, offset by lower yields on investment securities.
Borrowings totaled $3.9 billion at September 30, 2025, $6.1 billion at June 30, 2025, and $3.0 billion at September 30, 2024.
Event summary
Western Alliance Bancorporation Q3 2025 — net income of $261 million and
Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Net interest margin was flat from the second quarter 2025 due to higher yields on HFI loans and lower rates on debt, offset by lower yields on investment securities.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Borrowings totaled $3.9 billion at September 30, 2025, $6.1 billion at June 30, 2025, and $3.0 billion at September 30, 2024.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Borrowings decreased $2.2 billion from June 30, 2025 driven by a decrease in short-term borrowings.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Borrowings increased $867 million from September 30, 2024, reflecting a $1.5 billion increase in long-term borrowings, partially offset by a decrease in short-term borrowings of $600 million.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Qualifying debt totaled $681 million at September 30, 2025, compared to $678 million and $898 million at June 30, 2025 and September 30, 2024, respectively.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
The decrease in qualifying debt from September 30, 2024 was primarily due to the repayment of $225 million of subordinated debt during the quarter ended June 30, 2025.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Strategy & priorities
Healthy balance sheet growth and stable margins supported continued expansion of net interest income, which, alongside firming mortgage banking revenue, generated record PPNR of $394 million, said Kenneth A.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Cautionary Note Regarding Forward-Looking Statements This release contains forward-looking statements that relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends and similar expressions concerning matters that are not historical facts.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
htm EX-99.2 walq32025earningspresent EARNINGS CALL 3rd Quarter 2025 October 22, 2025 2 This presentation contains forward-looking statements that relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends and similar expressions concerning matters that are not historical facts.
SEC original ↗Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
Costs Total Cost 2.08% Dollars in billions, unless otherwise indicated 4.21% 2.50% N/A 3.21% 22.0% 14.4% 32.3% 31.3% Deposit Composition 34% of total deposits are non-interest bearing Approximately 31% have no ECRs 30% 40% 14% 8% 8% Regional Banking National Business Lines Specialty Escrow Svcs¹ Consumer Digital Other 1) Specialty Escrow Services includes: Business Escrow Services, Corporate Trust, Juris Banking, and other deposit initiatives.
SEC original ↗Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
Q3 2025 Highlights Tangible Book Value Growth Long-Term Growth in TBV per Share1 WAL Peer Median with Dividends Added Back Peer Median WAL with Dividends Added Back 2 18 Growth-oriented business model, focused on low risk, high return loan composition, has produced consistent, superior financial results Above peer median profitability has bolstered TBVPS accumulation, a key driver of long-term total shareholder returns Highlights Source: S&P Global Market Intelligence.
SEC original ↗Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
Risks & headwinds
The forward-looking statements contained herein reflect our current views about future events and financial performance and are subject to risks, uncertainties, assumptions and changes in circumstances that may cause our actual results to differ significantly from historical results and those expressed in any forward-looking statement.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
In light of these risks, uncertainties and assumptions, the forward-looking events discussed in this press release might not occur, and you should not put undue reliance on any forward-looking statements.
SEC original ↗Western Alliance Bancorporation — Earnings release (8-K exhibit)EX-99Oct 21, 2025
" The forward-looking statements contained herein reflect our current views about future events and financial performance and are subject to risks, uncertainties, assumptions and changes in circumstances that may cause our actual results to differ significantly from historical results and those expressed in any forward-looking statement.
SEC original ↗Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
In light of these risks, uncertainties and assumptions, the forward-looking events in this presentation might not occur, and you should not put undue reliance on any forward-looking statements.
SEC original ↗Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
Legal Proceedings 90 Item 1A.
SEC original ↗Western Alliance Bancorporation — 10-Q Quarterly report10-QJul 31, 2026
Earnings deck slides
0 decks with slide viewWestern Alliance Bancorporation — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Western Alliance Bancorporation — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
33 documentsEarnings releases
6 documentsPresentations
7 documents
Transcripts
0 documentsNo transcripts for Western Alliance Bancorporation are held in this edition of the library.
Mentioned by
2 companiesOther tracked companies whose held documents mention Western Alliance Bancorporation by name or ticker. A mention is counted once per document, from the document text the library holds.
“ing statements contained herein reflect our current views about future events and… …3.17% WAL Top Quartile Median Bottom Quartile 10-Year Loan Growth2 10-Year Deposit Growth2 10-Year Revenue Growth2 LTM NIM4 LTM Efficiency4 LTM ROATCE4 1.13% 1.28% 1.”
“…Bank West of Nevada 2002 Acquired by WAL investors to expand regionally < $1Bn 2005 IPO 2021 AmeriHome acquisition $50Bn Nevada Community Bank 1994 – 2002 Regional Bank 2003 – 2009 Regional Bank wi”
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