Western Alliance Bancorporation reported $270.1 million net income for Q3 2026.

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For the quarterly period ended June September 30, 2026

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As of July 28, October 26, 2026, Western Alliance Bancorporation had 109,100,864 107,550,076 shares of common stock outstanding.

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Financial statements 1278 changes

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June September 30, 2026 December 31, 2025

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Loans HFS 4,347 3,498

Interest bearing 54,054 52,806

Other borrowings 6,236 5,240

Cash and due from banks $ 454 438 $ 497

Interest bearing deposits in other financial institutions 5,482 4,890 3,099

Cash and cash equivalents 5,936 5,328 3,596

Investment securities - AFS, at fair value; amortized cost of $ 19,547 19,662 at June September 30, 2026 and $ 19,303 at December 31, 2025

Investment securities - HTM, at amortized cost and net of ACL of $ 13.8 13.0 and $ 12.9 (fair value of $ 1,497 1,472 and $ 1,427 ) at June September 30, 2026 and December 31, 2025, respectively

Investment securities - equity 80 77 79

Investments in restricted stock, at cost 256 240 248

Loans HFS 3,951 3,498

Loans HFI, net of deferred fees and costs 60,949 61,549 58,677

Less: allowance for credit losses ( 487 513 ) ( 461 )

Net loans held for investment 60,462 61,036 58,216

Mortgage servicing rights 1,500 1,576 1,494

Premises and equipment, net 479 478 442

Operating lease right of use asset 119 114 131

Bank owned life insurance 1,075 1,084 1,057

Goodwill and intangible assets, net 644 642 649

Deferred tax assets, net 425 581 349

Investments in LIHTC and renewable energy 571 597 593

Other assets 2,265 2,206 2,063

Total assets $ 98,701 98,072 $ 92,774

Non-interest bearing $ 27,820 25,752 $ 24,353

Interest bearing 56,003 52,806

Total deposits 81,874 81,755 77,159

Other borrowings 5,613 5,240

Qualifying debt 1,069 1,053 1,076

Operating lease liability 148 141 160

Other liabilities 1,239 1,563 1,193

Total liabilities 90,566 90,125 84,828

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Retained earnings 5,952 5,607

Preferred stock (par value $ 0.0001 ; 20,000,000 authorized; 30,000 shares ( 12,000,000 depositary shares) issued and outstanding and liquidation value per depositary share of $ 25 at June September 30, 2026 and December 31, 2025)

Common stock (par value $ 0.0001 ; 200,000,000 authorized; 112,360,864 111,186,910 shares issued at June September 30, 2026 and 112,491,068 at December 31, 2025) and additional paid in capital

Treasury stock, at cost ( 3,181,959 3,182,497 shares at June September 30, 2026 and 2,981,687 shares at December 31, 2025)

Accumulated other comprehensive loss ( 451 786 ) ( 344 )

Retained earnings 6,173 5,607

Total Western Alliance stockholders' equity 7,842 7,654 7,653

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Total equity 8,135 7,946

Total equity 7,947 7,946

Total liabilities and equity $ 98,701 98,072 $ 92,774

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Three Months Ended June 30, Six Months Ended June 30,

Loans, including fees $ 941.5 $ 914.3 $ 1,857.2 $ 1,795.3

Investment securities 243.0 199.7 461.6 365.5

Dividends and other 47.4 40.4 101.3 89.2

Total interest income 1,231.9 1,154.4 2,420.1 2,250.0

Deposits 370.5 377.8 731.2 756.1

Qualifying debt 13.8 8.2 26.9 17.5

Other borrowings 50.7 70.8 98.8 128.2

Total interest expense 435.0 456.8 856.9 901.8

Net interest income 796.9 697.6 1,563.2 1,348.2

Provision for credit losses 80.4 39.9 293.6 71.1

Net interest income after provision for credit losses 716.5 657.7 1,269.6 1,277.1

Three Months Ended September 30, Nine Months Ended September 30, (in millions, except per share amounts)

Loans, including fees $ 981.5 $ 948.3 $ 2,838.7 $ 2,743.6

Investment securities 238.3 230.0 699.9 595.5

Dividends and other 37.5 47.2 138.8 136.4

Total interest income 1,257.3 1,225.5 3,677.4 3,475.5

Deposits 382.5 398.2 1,113.7 1,154.3

Other borrowings 49.8 70.6 148.6 198.8

Qualifying debt 17.4 6.3 44.3 23.8

Total interest expense 449.7 475.1 1,306.6 1,376.9

Net interest income 807.6 750.4 2,370.8 2,098.6

Provision for credit losses 80.0 80.0 373.6 151.1

Net interest income after provision for credit losses 727.6 670.4 1,997.2 1,947.5

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Service charges and fees 63.1 39.7 151.6 80.2

Net loan servicing revenue 31.3 38.3 30.0 60.1

Income from bank owned life insurance 10.8 11.0 21.5 22.4

Gain on sales of investment securities 3.0 11.4 53.5 13.5

Fair value gain adjustments, net 12.8 0.1 15.9 1.1

Income (loss) from equity investments 11.9 2.9 25.2 ( 1.9 )

Other income 12.5 5.5 27.6 11.4

Total non-interest income 198.8 148.3 451.4 275.7

Commercial banking income and related fees 78.7 52.4 248.2 139.5

Net gain on mortgage loan origination and sale activities 53.4 39.4 126.1 88.9 55.7 75.5 181.8 164.4

Net loan servicing revenue 23.8 19.1 53.8 79.2

Gain on sales of investment securities 16.8 8.5 70.3 22.0

Income from bank owned life insurance 12.9 11.8 34.4 34.2

Income from equity investments 7.8 7.8 33.0 5.9

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MD&A 748 changes

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Certain statements contained in this Quarterly Report on Form 10-Q for the quarter ended June September 30, 2026 are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act. The Company intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements. All statements other than statements of historical fact are "forward-looking statements" for purposes of federal and state securities laws, including without limitation, statements regarding our expectations with respect to our business, financial and operating results, including our deposits and deposit optimization strategy, liquidity and funding, changes in economic conditions and the related impact on the Company's business, and statements that are related to or are dependent on estimates or assumptions relating to expectations, beliefs, projections, future plans and strategies, anticipated events or trends, and similar expressions statements concerning matters that are not historical facts.

The forward-looking statements contained in this Form 10-Q reflect the Company's current views about future events and financial performance and are subject to certain risks, uncertainties, assumptions, and changes in circumstances that may cause the Company's actual results to differ significantly from historical results and those expressed in any forward-looking statement. Risks and uncertainties include those set forth in the Company's filings with the SEC and the following factors that could cause actual results to differ materially from historical or expected results: 1) adverse financial market and economic conditions, including the effects of inflation and any recession in the United States, adverse developments in the financial services industry generally, U.S. and global trade policies and tensions, including changes in, or the imposition of, tariffs and/or trade barriers, and any related impact on customer behavior, the potential impact on borrowers of supply chain disruptions and the economic and market impacts of the geopolitical conflicts; 2) changes in interest rates and increased rate competition; 3) the discontinuation of or substantial changes to interest rate benchmarks utilized in our lending, borrowing and hedging activities; 4) exposure of financial instruments to certain market risks that may increase the volatility of earnings and AOCI; 5) the inherent risk associated with accounting estimates, including the impact to the allowance, provision for credit losses, and capital levels; 6) exposure to natural and man-made disasters in markets where we operate and the impact of climate change and sustainability practices on us and our customers; 7) the potential adverse effects of unusual and infrequently occurring events, such as weather-related disasters, terrorist acts geopolitical conflicts or public health events, and of governmental and societal responses thereto; 8) higher defaults on our loan portfolio than we expect; 9) increased foreclosures and ownership of real property; 10) changes in management's estimate of the adequacy of the allowance for credit losses; 11) dependency on real estate and events that negatively impact the real estate market; 12) concentrations in certain business lines or product types within our loan portfolio; 13) residual risk retained by us on reference pools covered by credit linked notes; 14) exposures related to the properties to which we acquire title; 15) ability to compete in a highly competitive market; 16) expansion strategies through acquisitions or implementation of new lines of business or new products and services that may not be successful and supervisory actions by regulatory agencies which may limit our ability to pursue certain growth opportunities; 17) uncertainty associated with digital payment initiatives; 18) ability to recruit and retain qualified employees and implement adequate succession planning to mitigate the loss of key members of our senior management team; 19) ability to meet capital adequacy and liquidity requirements and the sufficiency of liquidity; 20) dependence on low-cost deposits; 21) risks related to representations and warranties made on third-party loan sales; 22) ability to borrow from the FHLB or the FRB; 23) a change in our creditworthiness; 24) information security breaches; 25) reliance on third parties to provide key components of our infrastructure; 26) perpetration of fraud; 27) ability to implement and improve our controls and processes to keep pace with growth; 28) risk of operating in a highly regulated industry and our ability to remain in compliance; 29) ability to adapt to technological change; 30) technological risks and developments and cyber threats, attacks or events; 31) emerging external focus among regulators and other officials related to risks in connection with the development and use of artificial intelligence; 32) failure to comply with state and federal banking agency laws and regulations; 33) results of any tax audit findings, challenges to our tax positions, or adverse changes or interpretations of tax laws; 34) risks related to ownership and price of our preferred and common stock; 35) ability to continue to declare quarterly dividends; 36) additional regulatory requirements resulting from our continued growth; 37) management's estimates and projections of interest rates and interest rate policies; 38) the execution of our business plan; 39) the outcome of legal proceedings, with borrowers, the amount of funds and/or collateral that may be available for repayment of loans, and any adverse economic or other events impacting the collateral, borrower or guarantors with respect to loans.

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During the second quarter of 2026, the Company initiated a deposit optimization strategy designed to improve profitability by reducing higher-cost deposit balances. These efforts lowered period-end deposits relative to the prior quarter, including the reduction of more than $1 billion of higher-cost deposits near quarter-end. This strategy is designed aims to reposition the Company's funding mix by reducing lowering deposit costs and improving net interest margin over time. These efforts continued to reduce higher-cost period-end deposits compared with the prior two quarters. During the third quarter of 2026, the Company transitioned out approximately $3.0 billion of higher-cost deposits, bringing the cumulative reduction since the initiative began to approximately $4.5 billion.

The Company's loan portfolio includes significant credit exposure to the CRE market, with CRE related loans comprising approximately 26% and 27% of total loans at June September 30, 2026 and December 31, 2025. respectively. Approximately 13% and 14% of CRE loans, excluding construction and land loans, were owner occupied at June September 30, 2026 and December 31, 2025, respectively. Less than 4% of HFI loans were non-owner occupied office loans at June 30, 2026 and December 31, 2025. During the three and six nine months ended June September 30, 2026, the Company recognized gross charge-offs on CRE non-owner occupied loans totaling $32.0 $25.7 million and $59.7 $85.4 million, respectively. As the Company continues to focus on moving nonperforming loans through its standard credit resolution process, the Company took possession of one two CRE office property properties during the six nine months ended June September 30, 2026. While the Company believes its reserve levels are adequate, CRE market conditions may worsen, which could result in further deterioration of asset quality in this portfolio.

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In August 2025, the Bank initiated a lawsuit in Los Angeles Superior Court against Cantor Group V, LLC and certain individual guarantors in connection with the Bank's note finance revolving credit facility to Cantor Group V, LLC, alleging fraud by the borrower for failing to provide collateral loans in the first position, seeking appointment of a receiver and recovery of funds, and seeking other forms of relief and damages related to claims against the borrower. In addition, under certain circumstances such as fraud, the Bank holds both a limited guaranty and full guaranty from two ultra-high net worth individuals. As of September 30, 2025, the Bank moved the $98.5 million facility to nonaccrual status and established a specific allowance of $29.6 million for this loan. During the three months ended March 31, 2026, Management reevaluated the existing collateral based on updated "as-is" appraisals and due to the expected duration of the resolution process, recognized a charge-off of $26.1 million from the previously established reserve No additional charge-offs were recognized during the three months ended June 30, March 31, 2026.

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• Net income available to common stockholders of $258.5 million, compared to $227.2 million for the second quarter 2025

• Diluted earnings per share of $2.36, compared to $2.07 per share for the second quarter 2025

• Net revenue of $995.7 million, compared to $845.9 million for the second quarter 2025, with non-interest expense of $583.3 million, compared to $514.7 million for the second quarter 2025

• PPNR 1 of $412.4 million, up 24.5% from $331.2 million in the second quarter 2025

• Total loans HFI of $60.9 billion, up $2.3 billion, or 3.9%, from December 31, 2025

• Total deposits of $81.9 billion, up $4.7 billion, or 6.1%, from December 31, 2025

• Total equity of $8.1 billion, an increase of $189 million, or 2.4%, from December 31, 2025

• Net interest margin of 3.53%, flat from the second quarter 2025

• Efficiency ratio 1 of 58.0% in the second quarter 2026, compared to 60.1% in the second quarter 2025

• Efficiency ratio, adjusted for deposit costs 1 of 48.9%, compared to 51.8% in the second quarter 2025

Financial Results Highlights for the Second Third Quarter of 2026

• Net income available to common stockholders of $266.9 million and diluted earnings per share of $2.45 , increased 6.7% and 7.5% , respectively, from $250.2 million and $2.28 , respectively, for the third quarter 2025

• Net revenue of $1.0 billion , increased 8.1% from $938.2 million for the third quarter 2025, while non-interest expense of $595.1 million increased 9.3% from $544.4 million over the same period

• PPNR 1 of $419.1 million , increased 6.4% from $393.8 million in the third quarter 2025

• Efficiency ratio 1 increased to 58.1% from 57.4% in the third quarter 2025, while the efficiency ratio, adjusted for deposit costs 1 increased to 50.0% from 47.8% over the same period

• Net interest margin increased 4 basis points to 3.57% from 3.53% in the third quarter 2025

Balance Sheet Performance

• Loans HFI increased $2.9 billion , or 4.9% , to $61.5 billion from December 31, 2025

• Deposits increased $4.6 billion , or 6.0% , to $81.8 billion from December 31, 2025

• Nonperforming Nonaccrual loans to funded HFI loans increased to 0.92%, compared improved to 0.79% from 0.85% at December 31, 2025

• Nonperforming assets (nonaccrual loans and repossessed assets) increased improved to 0.70% 0.66% of total assets compared to from 0.69% at December 31, 2025

• Allowance for loan losses to funded HFI loans ratio increased 5 basis points to 0.83% from 0.78% at December 31, 2025

• Allowance for loan losses to nonaccrual loans ratio increased to 106% from 92% at December 31, 2025

• Annualized net loan charge-offs to average loans outstanding of 0.37%, were 0.30% , compared to 0.22% for the second third quarter 2025

Capital and Shareholder Returns

• Total equity of $7.9 billion , flat from December 31, 2025

• CET1 ratio of 10.9% and tangible common equity ratio 1 of 7.0%, 6.9% , compared to 11.0% and 7.3% , respectively, at December 31, 2025

• Book value per common share of $69.11, an increase of $1.91, increased $0.94 , or 2.8%, 1.4% , to $68.14 from $67.20 at December 31, 2025

• Tangible book value per share, net of tax 1 , of $63.24, an increase of $1.95, increased $0.93 , or 3.2%, 1.5% , to $62.22 from $61.29 at December 31, 2025

• Share repurchases of $92.1 million or 1.2 million shares at an average price per share of $79.78

The impact to the Company from these items, and others of both a positive and negative nature, are discussed in more detail below as they pertain to the Company's overall comparative performance for the three and six nine months ended June September 30, 2026.

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Asset quality is a key factor in assessing a banking institution's overall financial condition and results of operations. The Company measures asset quality in terms of nonaccrual loans as a percentage of gross loans and net charge-offs as a percentage of average loans. Net charge-offs are calculated as the difference between charged-off loans and recovery payments received on previously charged-off loans. The following table summarizes the Company's key asset quality metrics for loans HFI:

September 30, 2026 December 31, 2025

(dollars in millions)

Nonaccrual loans $ 485 $ 500

Repossessed assets 165 137

Non-performing assets 837 817

Nonaccrual loans to funded HFI loans 0.79 % 0.85 %

Nonaccrual loans and repossessed assets to total assets 0.66 0.69

Allowance for loan losses to funded HFI loans 0.83 0.78

Allowance for credit losses to funded HFI loans 0.93 0.87

Allowance for loan losses to nonaccrual loans 106 92

Allowance for credit losses to nonaccrual loans 118 102

Net charge-offs to average loans outstanding (1) 0.30 0.24

(1) Annualized on an actual/actual basis for the three months ended September 30, 2026. Actual year-to-date for the year ended December 31, 2025.

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Three Months Ended June 30, Six Months Ended June 30,

Net income / as adjusted (1) $ 268.8 $ 237.8 $ 458.0 / $ 520.1 $ 436.9

Net income available to common stockholders / as adjusted (1) 258.5 227.2 437.4 / 499.5 423.1

Earnings per share - basic 2.37 2.08 4.00 3.89

Earnings per share - diluted / as adjusted (1) 2.36 2.07 3.99 / 4.57 3.86

Return on average equity 13.5 13.0 11.5 12.4

Three Months Ended September 30, Nine Months Ended September 30, (dollars in millions, except per share amounts)

Net income / as adjusted (1) $ 277.2 $ 260.5 $ 735.2 / $ 797.3 $ 697.4

Net income available to common stockholders / as adjusted (1) 266.9 250.2 704.3 / 766.4 673.3

Earnings per share - basic 2.45 2.30 6.45 6.18

Earnings per share - diluted / as adjusted (1) 2.45 2.28 6.43 / 7.01 6.14

Return on average assets / as adjusted (1) 1.09 1.12 % 1.10 1.13 % 0.95 1.01 % / 1.08 1.10 % 1.04 1.07 %

Return on average equity 13.6 13.6 12.2 12.8

Return on average tangible common equity / as adjusted (1) 15.3 14.9 12.9 15.5 15.6 13.8 / 15.0 14.7 14.2

Net interest margin 3.53 3.57 3.53 3.54 3.50 3.55 3.51

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Loans HFS 4,347 3,498

Other borrowings 6,236 5,240

Total equity 8,135 7,946

June September 30, 2026 December 31, 2025

Total assets $ 98,701 98,072 $ 92,774

Loans HFS 3,951 3,498

Loans HFI, net of deferred fees and costs 60,949 61,549 58,677

Investment securities, net of allowance for credit losses 20,622 20,239 20,438

Total deposits 81,874 81,755 77,159

Other borrowings 5,613 5,240

Qualifying debt 1,069 1,053 1,076

Total equity 7,947 7,946

Tangible common equity, net of tax (1) 6,906 6,720 6,711

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For all banks and bank holding companies, asset quality plays a significant role in the overall financial condition of the institution and results of operations. The Company measures asset quality in terms of nonaccrual loans as a percentage of gross loans and net charge-offs as a percentage of average loans. Net charge-offs are calculated as the difference between charged-off loans and recovery payments received on previously charged-off loans. The following table summarizes the Company's key asset quality metrics for loans HFI:

June 30, 2026 December 31, 2025

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and 668 more changes in the filing

Market risk 13 changes

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The Company's exposure to interest rate risk is reviewed at least quarterly by ALCO. Interest rate risk exposure is measured using interest rate sensitivity analysis to determine its change in both EVE and earnings in the event of hypothetical changes in interest rates. If potential changes to EVE and earnings resulting from hypothetical interest rate changes are not within the limits established by the BOD or, ALCO determines that interest rate exposures should be reduced, ALCO will either take hedging actions or adjust the asset and liability mix to bring interest rate risk within BOD-approved limits or in line with ALCO's proposed reduction. ALCO may also decide the best course of action for a limit breach is to accept the breach and present justification to the BOD. If the BOD does not agree to accept the limit breach, it will direct ALCO to remediate the breach. The Company's EaR and EVE exposure limits are approved by the BOD on an annual basis, or more often if market conditions warrant. During the six nine months ended June September 30, 2026, there have been no changes to the Company's exposure limits.

Net Interest Income Simulation. To measure interest rate risk at June September 30, 2026, the Company used a simulation model to project changes in net interest income resulting from forecasted changes in interest rates. This analysis calculates the difference between a baseline net interest income forecast using forward yield curves, compared to forecasted net interest income results from an immediate, parallel shift in rates upward or downward, along with other scenarios directed by ALCO. The simulation model includes various assumptions regarding repricing relationships for each of the Company's products. Many of the Company's assets are variable rate loans, which are assumed to reprice at the next rate reset period and, proportional to the change in market rates, depending on their contracted index, including the impact of caps or floors. The simulation model also incorporates prepayment assumptions for applicable loans and investments with such optionality. The Company's non-term deposits reprice to underlying market rate changes based on product and line of business level model assumptions. Current non-term deposit repricing assumptions result in a product-level beta range of 45% 54% to 86%, 66%, depending on product, with an average beta of 53%. 58%.

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(change in basis points from Base)

Parallel Shock Scenario (8.6) % (5.2) % 5.9 % 11.8 %

Gradual Ramp Scenario (5.1) % (2.7) % 3.2 % 6.3 %

Parallel Shock Scenario (7.7) % (4.4) % 4.7 % 9.5 %

Gradual Ramp Scenario (4.8) % (2.5) % 2.6 % 5.2 %

Earnings-at-Risk. The Company's EaR simulation model expands on its net interest income simulation, as described above, by adding certain rate-sensitive non-interest income and expense items also subject to market risk, including mortgage banking and servicing income and certain deposit costs. Mortgage originations and prepayments are sensitive to interest rates and therefore, mortgage banking and servicing income can be impacted by changes in interest rates. In the Company's EaR simulation model as of June September 30, 2026, deposits eligible for ECRs re-price with a beta assumption of 70% 77% to underlying market rate changes, and total non-maturity deposits, inclusive of ECRs, re-price with a weighted average beta assumption of 59%. 65%. Both beta estimates include the portion of mortgage warehouse related ECRs that are recorded as a reduction to interest income. At June September 30, 2026, the Company's earnings exposure for the next twelve months related to these hypothetical changes in market interest rates was within the Company's current limits.

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The following table shows the Company's projected change in EVE for this set of rate shocks at June September 30, 2026:

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(change in basis points from Base)

% Change 4.4 % 2.7 % (4.4) % (10.5) %

% Change 6.6 % 3.9 % (5.3) % (11.6) %

At June September 30, 2026, the Company's EVE exposure related to these hypothetical changes in market interest rates was within the Company's current limits.

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Controls and procedures 1 change

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There have not been any changes in the Company's internal control over financial reporting during the quarter ended June September 30, 2026, which have materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.

Legal proceedings 2 changes

In August 2025, the Bank initiated a lawsuit in Los Angeles Superior Court against Cantor Group V, LLC and certain individual guarantors in connection with the Bank's note finance revolving credit facility to Cantor Group V, LLC, alleging fraud by the borrower for failing to provide collateral loans in the first position, seeking appointment of a receiver and recovery of funds, and seeking other forms of relief and damages related to claims against the borrower. During the six three months ended June 30, March 31, 2026, management reevaluated the existing collateral based on updated "as-is" appraisals and recognized a charge-off of $26.1 million from the previously established reserve.

In May 2026, the Bank and its collateral agent filed an amended complaint in New York Supreme Court against Jefferies Financial Group, Leucadia Asset Management LLC, and affiliates (collectively, the "Defendants") alleging breach of contract, fraud, negligence, promissory estoppel, and unjust enrichment in connection with a trade finance loan extended by the Bank, seeking declaratory and injunctive relief for the recovery of funds, and other forms of relief and damages related to claims against the Defendants. This loan was secured by accounts receivable the Bank's borrower purchased from First Brands Group, which filed for bankruptcy in September 2025. During the six three months ended June 30, March 31, 2026, the Company recorded a charge‑off of $126.4 million for the remaining loan balance.

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Unregistered sales of stock 8 changes

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April 1-30, 2026 31,944 $ 71.88 31,924 $ 179,592,035

May 1-31, 2026 5,772 79.14 — 179,592,035

June 1-30, 2026 707 83.67 — 179,592,035

Total 38,423 $ 73.18 31,924 $ 179,592,035

July 1-31, 2026 140,085 $ 82.27 140,000 $ 168,074,011

August 1-31, 2026 495,000 80.60 495,000 128,174,825

September 1-30, 2026 519,453 78.33 519,000 87,521,708

Total 1,154,538 $ 79.78 1,154,000 $ 87,521,708

2 unchanged paragraphs

Other information 1 change

1 unchanged paragraph

During the quarter ended June September 30, 2026, none of our directors or officers informed us of the adoption or termination of any "Rule 10b5-1 trading arrangement" or "non-Rule 10b5-1 trading arrangement," as those terms are defined in Item 408 of Regulation S-K.

Exhibits 11 changes

6 unchanged paragraphs

10.1* Form of E xecutive Restricted S tock Award Agreement

10.2* Form of Cash Settled Restricted Stock Unit Award Agreement

10.3* Form of CEO Performance Stock Unit Award Agreement

10.4* Form of Executive Performance Stock Unit Award Agreement

31.1* PEO Certification Pursuant to Rule 13a-14(a)/15d-14(a).

31.2* PFO Certification Pursuant to Rule 13a-14(a)/15d-14(a).

1 unchanged paragraph

101* Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Balance Sheets as of June September 30, 2026 and December 31, 2025, (ii) the Consolidated Income Statements for the three and six nine months ended June September 30, 2026 and 2025, (iii) the Consolidated Statements of Comprehensive Income for the three and six nine months ended June September 30, 2026 and 2025, (iv) the Consolidated Statements of Equity for the three and six nine months ended June September 30, 2026 and 2025, (v) the Consolidated Statements of Cash Flows for the six nine months ended June September 30, 2026 and 2025, and (vi) the Notes to Unaudited Consolidated Financial Statements. (Pursuant to Rule 406T of Regulation S-T, this information is deemed furnished and not filed for purposes of Sections 11 and 12 of the Securities Act of 1933 and Section 18 of the Securities Exchange Act of 1934.).

104* The cover page of Western Alliance Bancorporation's Quarterly Report on Form 10-Q for the quarterly period ended June September 30, 2026, formatted in Inline XBRL (contained in Exhibit 101).

3 unchanged paragraphs

July 31, October 30, 2026 By: /s/ Kenneth A. Vecchione

2 unchanged paragraphs

July 31, October 30, 2026 By: /s/ Vishal Idnani

1 unchanged paragraph

July 31, October 30, 2026 By: /s/ Ben Mucha

1 unchanged paragraph