Western Alliance Bank
Western Alliance Bank reported total assets of $98.6 bn at Q2 2026, up 13.8% on a year earlier, the 34th largest of 497 banks in our US coverage. The CET1 capital ratio at Western Alliance Bank was 11.58%, and the uninsured share of Western Alliance Bank was 38.09%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Western Alliance Bank climbed from 341st to 218th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Western Alliance Bank has one of the highest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 2.82% at , against a median of 0.66% across 126 banks (FDIC Call Reports).
- The tier 1 leverage ratio of Western Alliance Bank, 8.08% at , places Western Alliance Bank in the bottom tenth of banks of $10 bn to $100 bn (group median 10.25%; FDIC Call Reports).
What sets Western Alliance Bank apart
- Few banks of $10 bn to $100 bn report a higher net charge-offs to average loans than Western Alliance Bank, at 0.83% in against a group median of 0.14%.
How large is Western Alliance Bank?
The balance sheet of Western Alliance Bank at : assets $98.6 bn, deposits $82.3 bn, net loans $65.1 bn (loans equal to 79.06% of deposits). Securities make up 20.9% of total assets at Western Alliance Bank. Since , when Western Alliance Bank held $15.2 bn, its assets grew 550.3%. In the year to , deposits at Western Alliance Bank rose 15.3% while its total assets rose 13.8%. At , Western Alliance Bank employed 4,084 full-time equivalent staff across 38 offices, about $24.1 mn of assets per employee and $2.2 bn of deposits per office.
How much funding at Western Alliance Bank is uninsured?
At Western Alliance Bank, uninsured deposits (above the FDIC limit) made up 38.09% of domestic deposits at (+9.20 pp on a year earlier); Western Alliance Bank ranks 218th of 500 on this measure. In dollars, Western Alliance Bank estimated $31.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $82.3 bn | +15.3% | 33rd of 499 |
| Net loans and leases | $65.1 bn | +10.4% | 29th of 500 |
| Loan-to-deposit ratio | 79.06% | -3.51 pp | 357th of 500 |
| Tier 1 leverage ratio | 8.08% | -0.55 pp | 470th of 500 |
| Total risk-based capital ratio | 13.45% | -0.01 pp | 311th of 448 |
| Net interest margin | 3.52% | +0.01 pp | 295th of 500 |
| Return on assets (ROA) | 1.16% | +0.12 pp | 324th of 500 |
| Efficiency ratio | 55.67% | -6.66 pp | 246th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $179.4 mn | Widened by $7.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $667.2 mn | Widened by $71.0 mn | |
| Noncurrent loans to total loans | 2.82% | +0.90 pp | 478th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.83% | +0.64 pp | 460th of 500 (1 = lowest) |
US rank of Western Alliance Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Western Alliance Bank: assets, deposits and loans
- Total assets $98.6bn
- Deposits $82.3bn
- Net loans $65.1bn
Capital and securities
The CET1 ratio of Western Alliance Bank stood at 11.58% in , -0.62 pp year on year. Low and high at Western Alliance Bank since : 9.66% () to 12.30% (). Equity capital of Western Alliance Bank at : $7.9 bn, or 8.0% of total assets. Western Alliance Bank also reported a total capital ratio of 13.45% for , and a tier 1 leverage ratio of 8.08%.
On held-to-maturity securities, Western Alliance Bank carried an unrealized loss of $179.4 mn at , equal to 2.3% of equity capital. The loss widened by $7.4 mn over the year. Its deepest point: $261.1 mn in . The available-for-sale portfolio of Western Alliance Bank showed an unrealized loss of $667.2 mn at ; the loss widened by $71.0 mn over the year.
Western Alliance Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 8.1%
Western Alliance Bank: unrealized securities gains and losses
- Available for sale -$667mn
- Held to maturity -$179mn
Profitability and loan quality
For the year to , Western Alliance Bank earned a return on equity of 14.37%; return on assets: 1.16%. Net interest margin at Western Alliance Bank: 3.52%, +0.01 pp in a year. Western Alliance Bank net income: $561.9 mn, up 29.6% year on year. The efficiency ratio of Western Alliance Bank was 55.67%: about 56 cents cost per revenue dollar, against 64 cents at the median peer.
At , noncurrent loans were 2.82% of total loans at Western Alliance Bank; net charge-offs: 0.83% of average loans. Gross loans and leases at Western Alliance Bank: $65.6 bn, up 10.5% in a year.
Western Alliance Bank: profitability
- Return on equity 14%
- Net interest margin 3.5%
- Return on assets 1.2%
Peer group of Western Alliance Bank
The peer group of Western Alliance Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Western Alliance Bank (state member bank), 4 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Arizona. Against them, Western Alliance Bank shows CET1 ratio 11.58% against a peer median of 13.87%, return on equity 14.37% against a peer median of 9.48% and uninsured deposit share 38.09% against a peer median of 34.31%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| USAA Federal Savings Bank | Federal savings bank | AZ | $106.2 bn | 16.89% | 17.44% | 5.19% | |
| Santander Bank | National bank | DE | $104.0 bn | 20.26% | 7.54% | 34.05% | |
| City National Bank | National bank | CA | $99.1 bn | 14.57% | 8.15% | 55.45% | |
| Western Alliance Bank | State member bank | AZ | $98.6 bn | 11.58% | 14.37% | 38.09% | |
| Zions Bancorporation | National bank | UT | $89.0 bn | 11.83% | 18.57% | 46.17% | |
| Flagstar Bank | National bank | NY | $87.7 bn | 13.16% | 1.36% | 28.94% | |
| Webster Bank | National bank | CT | $85.9 bn | 12.23% | 10.82% | 34.58% | |
. FDIC Call Reports.
Last eight quarters
Two years at Western Alliance Bank, to : assets +23.3%, deposits +20.4%, equity +15.3%. Staff 3,478 to 4,084; offices 37 to 38.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $79.9 bn | $80.9 bn | $82.9 bn | $86.6 bn | $90.8 bn | $92.7 bn | $98.8 bn | $98.6 bn |
| Total deposits | $68.4 bn | $66.8 bn | $69.7 bn | $71.4 bn | $77.5 bn | $77.6 bn | $83.2 bn | $82.3 bn |
| Bank equity capital | $6.9 bn | $6.9 bn | $7.1 bn | $7.4 bn | $7.7 bn | $7.8 bn | $7.7 bn | $7.9 bn |
| CET1 ratio | 12.12% | 12.15% | 11.97% | 12.20% | 12.30% | 11.76% | 11.61% | 11.58% |
| Return on equity (ROE) | 11.24% | 11.73% | 11.15% | 12.16% | 12.47% | 12.98% | 9.01% | 14.37% |
| Uninsured share of domestic deposits | 28.25% | 28.29% | 28.16% | 28.89% | 31.47% | 35.59% | 36.48% | 38.09% |
| Full-time equivalent employees | 3,478 | 3,591 | 3,613 | 3,682 | 3,734 | 3,815 | 3,970 | 4,084 |
| Number of offices | 37 | 37 | 37 | 37 | 37 | 37 | 38 | 38 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Western Alliance Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Western Alliance Bank?
Western Alliance Bank reported $98.6 bn at in its Call Report. That makes Western Alliance Bank the 34th largest of 497 banks in our US coverage.
Is Western Alliance Bank the same as its holding company?
No. This page covers Western Alliance Bank, FDIC certificate 57512; WESTERN ALLIANCE BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Western Alliance Bank profitable?
Western Alliance Bank reported net income of $561.9 mn for the year to ; annualized return on equity: 14.37%. So yes: Western Alliance Bank made a profit over these months.
When is data for Western Alliance Bank next updated?
Figures from Western Alliance Bank for are due after .
Where can I check the figures for Western Alliance Bank?
In the FDIC BankFind Suite record for certificate 57512, and in the Call Reports of Western Alliance Bank (RSSD ID 3138146) at the FFIEC Central Data Repository.