West Bancorp Inc (FRA:WB3)

Q2 2025 West Bancorporation Inc Earnings Call Transcript

Jul 24, 2025 / 07:00PM GMT

Release Date Price: €16.3 (-2.40%)

Transcript 10-Q8-K

Key Points

Positve

West Bancorp Inc (WTBA) reported a solid quarter with earnings approximately $5 million higher than the same period last year.
The company declared a $0.25 per share dividend, providing a yield in excess of 5%.
Credit quality remains very strong with zero nonaccruals, zero substandard loans, and a minimal watch list.
Core deposit balances increased by approximately $195 million in the second quarter.
The yield on the loan portfolio improved, with the second quarter loan yield at 5.59% compared to 5.52% in the first quarter.

Negative

Loan outstandings decreased slightly, with a reduction of approximately $50 million due to asset sales and refinancing.
There is pressure on deposit costs, which increased by 4 basis points in the second quarter.
Office property in the Des Moines market is facing distress with significant vacancy problems.
The company experienced a few larger payoffs from asset sales and refinance activity, impacting loan growth.
Economic uncertainty is causing clients to remain cautious, affecting the pipeline for loan growth.

Jane Funk;Executive Vice President and Chief Financial Officer of West Bank;David Nelson;Chair and Chief Executive Officer of West Bank

West Bancorporation Inc - Chief Financial Officer, Executive Vice President, Treasurer;West Bancorporation Inc - President, Chief Executive Officer, Director

(audio in progress) During today's conference call we may make projections or other forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 regarding future events or the future financial performance of the company. We caution that such statements are predictions and that actual results may differ materially. Please see the forward-looking statement disclosures in our 2025 second quarter earnings release for more information about risks and uncertainties, which may affect us.

The information we will provide today is accurate as of June 30, 2025, and we undertake no duty to update the information. And with that, I'll turn the call over to Dave Nelson for his remarks.

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