Western Alliance Bank
Phoenix, Arizona, Maricopa County
$98.6B in total assets, the 34th largest of 4,309 US banks and 2nd of 13 headquartered in Arizona.
- FDIC certificate
- 57512
- Established
- 2003
- Owned by
- Western Alliance Bcorp
- Primary regulator
- FED
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $98.6B | 98% | $22.4B | |
| Loans | $65.6B | 98% | $14.4B | |
| Deposits | $82.3B | 98% | $18.0B | |
| Return on assets | 1.16% | 36% | 1.30% | |
| Net interest margin | 3.52% | 40% | 3.62% | |
| Efficiency ratio | 55.7% | 55% | 55.1% | |
| Equity to assets | 8.05% | 9% | 11.60% | |
| Loans to deposits | 80% | 28% | 87% |
Growth
Total assets grew 15.0% a year over the last 5 years and 19.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2015 | Bridge Bank, National Association San Jose, CA | $1.9B |
| Dec 2013 | Bank of Nevada Las Vegas, NV, an affiliate under the same holding company | $3.3B |
| Dec 2013 | Torrey Pines Bank San Diego, CA, an affiliate under the same holding company | $2.1B |
| May 2013 | Centennial Bank Fountain Valley, CA | $529M |
| Dec 2010 | First Independent Bank of Nevada Reno, NV, an affiliate under the same holding company | $559M |
Where they operate
38 branches in 15 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Maricopa County, AZ | $51.5B | 27.3% | 1 of 55 |
| San Diego County, CA | $8.9B | 6.6% | 6 of 42 |
| Santa Clara County, CA | $7.6B | 4.4% | 6 of 42 |
| Clark County, NV | $6.1B | 6.4% | 6 of 41 |
| Alameda County, CA | $2.1B | 3.0% | 9 of 37 |
| Los Angeles County, CA | $1.6B | 0.3% | 29 of 91 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 2 branches since 2016 (40 to 38, −5.0%). 7 opened, 0 acquired, 9 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 40 | |||
| 2016 | Opened San FranciscoClosed Sedona | 1 | 1 | 0 | 40 |
| 2017 | Opened GilbertClosed 3 in 2 states | 1 | 3 | −2 | 38 |
| 2020 | Closed Phoenix and San Francisco | 0 | 2 | −2 | 36 |
| 2022 | Opened Denver and TucsonClosed San Diego and Tucson | 2 | 2 | 0 | 36 |
| 2023 | Opened Chicago and New York | 2 | 0 | +2 | 38 |
| 2024 | Closed Reno | 0 | 1 | −1 | 37 |
| 2026 through Q2 | Opened San Francisco | 1 | 0 | +1 | 38 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 30% | 21% | |
| Business (C&I) | 18% | 17% | |
| Commercial real estate | 17% | 25% | |
| Construction and land | 6% | 6% | |
| Multifamily | 1% | 8% | |
| Consumer | 0% | 10% | |
| Other | 28% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 62% | |
| Noninterest-bearing | 34% | 20% | |
| Time deposits | 12% | 18% |
Brokered deposits are 18.8% of deposits (peers 7.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.82% | 0.63% |
| Net charge-offs, annualized | 0.83% | 0.14% |
| Reserves to loans | 0.74% | 1.15% |
| Leverage ratio | 8.08% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arizona
Largest competitors in Maricopa County, AZ
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/western-alliance-bank-phoenix-az