The Washington Trust Company, of Westerly
Total assets
$6.55B
▼ -2.9% YoY
Deposits
$5.36B
▲ +6.3% YoY
Loans
$5.09B
▼ -0.8% YoY
Offices
30
WASHINGTON TRUST BCORP INC
ROA (annualized)
0.90%
peers 1.26%
ROE (annualized)
10.44%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +5.5% | -8.3 pts |
| Deposit growth (YoY) | +6.3% | +5.1% | +1.2 pts |
| Loan growth (YoY) | -0.8% | +5.9% | -6.7 pts |
| ROA | 0.90% | 1.26% | -0.4 pts |
| ROE | 10.4% | 12.2% | -1.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
Profile
- Established
- 1800
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- WASHINGTON TRUST BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 23 Broad St, Westerly, RI, 02891
- County
- Washington
- Metro area
- Providence-Warwick, RI-MA
- Offices
- 30
- FDIC cert #
- 23623
- RSSD ID
- 816603
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.55B | $5.36B | $5.09B | $568.7M | $29.4M | 0.90% | 2.73% | 0.61% |
| Q1 2026 | $6.46B | $5.17B | $5.01B | $561.4M | $13.0M | 0.80% | 2.69% | 0.63% |
| Q4 2025 | $6.62B | $5.28B | $5.13B | $557.8M | $53.7M | 0.80% | 2.48% | 0.20% |
| Q3 2025 | $6.72B | $5.23B | $5.12B | $546.5M | $37.4M | 0.74% | 2.42% | 0.21% |
| Q2 2025 | $6.74B | $5.05B | $5.14B | $544.3M | $26.2M | 0.77% | 2.38% | 0.39% |
| Q1 2025 | $6.59B | $5.04B | $5.08B | $538.1M | $12.6M | 0.74% | 2.35% | 0.33% |
| Q4 2024 | $6.94B | $5.12B | $5.40B | $516.6M | $-26.3M | -0.37% | 1.97% | 0.34% |
| Q3 2024 | $7.15B | $5.18B | $5.49B | $518.2M | $34.0M | 0.63% | 1.94% | 0.44% |
Loan mix (Q2 2026): real estate $4.76B · commercial $126.8M · consumer $13.8M · securities $897.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.26% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.70% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 59.0% | 65th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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