West Bancorporation reported full-year 2025 net income of $32.6 million, a 35% increase over 2024’s $24.1 million. On a per‐share basis, diluted earnings rose to $1.92 from $1.42 a year earlier. This performance was achieved despite a one‐time securities loss of $4.0 million recorded in November, reflecting proactive portfolio repositioning and strategic balance sheet management.

In the fourth quarter, net income totaled $7.4 million, or $0.43 per diluted share, up from $7.1 million, or $0.42 per share, in Q4 2024. Quarterly EPS surpassed consensus estimates of $0.57, delivering $0.61. Net interest income climbed to $24.2 million, driven by a 49 basis‐point year-over-year expansion in net interest margin to 2.47%, while deposit balances grew by $162 million, or 4.9%.

Loans remained stable, declining only 0.1%, while deposits excluding brokered funding rose 7.2%. The bank maintained pristine credit quality with zero nonperforming loans and an allowance for credit losses of 1.02% of total loans. The tangible common equity ratio strengthened to 6.42%, up from 5.68% a year ago, underscoring robust capital levels and disciplined risk management.

The board declared a quarterly dividend of $0.25 per common share, payable February 25 to holders of record on February 11. Management expects further net interest margin expansion as approximately $400 million of fixed-rate loans reprice at yields 150–200 basis points above current levels. Deposit growth remains uncertain due to anticipated public fund outflows in 2026, but ongoing relationship-driven strategies aim to offset volatility and support continued earnings momentum.