Westamerica Bank vs Hcn Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Westamerica Bank has a stronger Bank Health Score of 99/100 (A) compared to Hcn Bank at 97/100 (A), a difference of 2 points. Westamerica Bank holds a Tier 1 capital ratio of 15.10% and an NPL ratio of 0.19%.
| Metric | Westamerica Bank | Hcn Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A)* | 97/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.1%* | 14.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 80.5%* | 29.8% |
| Return on Assets Profitability metric (above 1% is strong) | 3.0%* | 2.4% |
| Total Assets | $6.3B | $1.0B |
| Total Deposits | $5.1B | $936M |
| Location | San Rafael, California | Riverside, California |
Westamerica Bank has a stronger Bank Health Score of 99/100 (A) compared to Hcn Bank at 97/100 (A), a difference of 2 points. Westamerica Bank holds a Tier 1 capital ratio of 15.10% and an NPL ratio of 0.19%.