| Metric | Washington Trust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +5.9% | -7.2 pts |
| Deposit growth (YoY) | +1.7% | +5.7% | -4.0 pts |
| Loan growth (YoY) | +2.2% | +6.9% | -4.8 pts |
| ROA | 1.19% | 1.23% | -0.0 pts |
| ROE | 12.8% | 11.2% | +1.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.54B | $8.83B | $7.32B | $1.01B | $63.1M | 1.19% | 3.84% | 0.52% |
| Q1 2026 | $10.70B | $8.86B | $7.16B | $988.3M | $32.5M | 1.22% | 3.79% | 0.49% |
| Q4 2025 | $10.68B | $8.95B | $7.20B | $967.3M | $95.1M | 0.89% | 3.50% | 0.51% |
| Q3 2025 | $10.63B | $8.87B | $7.28B | $955.0M | $64.6M | 0.81% | 3.38% | 0.52% |
| Q2 2025 | $10.68B | $8.68B | $7.16B | $934.4M | $37.1M | 0.69% | 3.25% | 0.66% |
| Q1 2025 | $10.70B | $8.71B | $6.91B | $918.1M | $17.2M | 0.64% | 3.14% | 0.68% |
| Q4 2024 | $10.73B | $8.82B | $6.74B | $904.6M | $57.2M | 0.52% | 2.67% | 0.70% |
| Q3 2024 | $11.05B | $8.66B | $6.79B | $890.8M | $35.9M | 0.43% | 2.54% | 0.31% |
Loan mix (Q2 2026): real estate $5.46B · commercial $1.46B · consumer $136.4M · securities $2.24B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Washington Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.23% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.3% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 54.9% | 88th |
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% |
| Ratio | Washington Trust Bank | 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% |
| Ratio | Washington Trust Bank | 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% |
| Ratio | Washington Trust Bank | 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% |
| Ratio | Washington Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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