Washington Trust Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Washington Trust Bank, based in Spokane, Washington, reported $10.5 billion in assets at June 30, 2026, down 1.3% from a year earlier. It pays an average of 0.85% on its deposits and borrowings, about half the median of 1.92% for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 53 cents).
Earnings jumped: net income for the quarter was $31 million, 54% above the same quarter a year earlier. Its $1.2 billion non-owner-occupied commercial real estate book is now fully current, after 2.64% of it was past due or on nonaccrual a year earlier. Where it has less room is capital: it holds common equity equal to 11.91% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
As of June 30, 2026, Washington Trust Bank reported a CET1 capital ratio of 11.91%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 4.03%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 717 W Sprague Ave, Spokane, WA 99201
- County
- Spokane
- Metro Area
- Spokane-Spokane Valley, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 3, 1902
- Offices
- 45 domestic
- Employees (FTE)
- 1,242
- Domestic deposits
- $8.83B
- Allowance for credit losses
- $154.9M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $10.60B
- Average total loans
- $7.40B
- Average interest-bearing deposits
- $8.89B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1281
- Fed RSSD
- 58971
- SEC CIK
- 1478956 → filed by W.T.B. FINANCIAL CORPORATION
- Website
- www.watrust.com →
- Parent Holding Company
- W.T.B. FINANCIAL CORPORATION (RSSD 1029464)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Washington Trust Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Washington Trust Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Washington Trust Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Washington Trust Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.91% | 1.16% | 0.73% | 4.03% | 3.81% |
| Q1 2026 | 11.97% | 1.23% | 0.71% | 3.88% | 3.77% |
| Q4 2025 | 11.68% | 1.14% | 0.74% | 4.39% | 3.79% |
| Q3 2025 | 11.54% | 1.03% | 0.74% | 4.51% | 3.57% |
| Q2 2025 | 11.55% | 0.75% | 0.96% | 6.16% | 3.31% |
| Q1 2025 | 11.63% | 0.65% | 1.03% | 6.45% | 3.11% |
| Q4 2024 | 11.78% | 0.78% | 1.09% | 6.81% | 2.99% |
| Q3 2024 | 11.57% | 0.45% | 0.49% | 3.09% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 44 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Seattle Branch | Seattle , WA | 98101 | $1.27B |
| Washington Trust Bank (main office) | Spokane , WA | 99201 | $907.6M |
| Bellevue Branch | Bellevue , WA | 98004 | $843.6M |
| Meridian Financial Center Branch | Meridian , ID | 83642 | $626.7M |
| Portland Office Branch | Portland , OR | 97205 | $365.2M |
| Sullivan Branch | Spokane Valley , WA | 99037 | $334.5M |
| Liberty Lake Branch | Liberty Lake , WA | 99019 | $301.8M |
| Northgate Branch | Spokane , WA | 99208 | $255.0M |
| Valley Financial Center Branch | Spokane , WA | 99212 | $233.2M |
| Ephrata Branch | Ephrata , WA | 98823 | $226.6M |
| Moses Lake Branch | Moses Lake , WA | 98837 | $223.5M |
| East Sprague Branch | Spokane , WA | 99202 | $209.4M |
| Indiana Branch | Spokane , WA | 99207 | $198.0M |
| Boise Downtown Branch | Boise , ID | 83702 | $172.6M |
| Kennewick Branch | Kennewick , WA | 99336 | $167.0M |
| Coeur D'Alene Branch | Coeur D Alene , ID | 83814 | $166.4M |
| East Wenatchee Branch | East Wenatchee , WA | 98802 | $166.1M |
| Lincoln Heights Branch | Spokane , WA | 99223 | $165.4M |
| Downtown Spokane Financial Center Branch | Spokane , WA | 99201 | $156.8M |
| Wandermere Branch | Spokane , WA | 99218 | $137.7M |
| Five Mile Branch | Spokane , WA | 99205 | $130.1M |
| Hayden Branch | Hayden , ID | 83835 | $126.0M |
| Manito Branch | Spokane , WA | 99203 | $124.2M |
| Deer Park Branch | Deer Park , WA | 99006 | $114.8M |
| Nampa Branch | Nampa , ID | 83651 | $105.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 14, 2009 | M&A | Acquired Pinnacle Bank failure_government_assistance_provided for the acquired bank | SEC |
| February 14, 2009 | Structure Change | Acquired Pinnacle Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 13, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 17, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 17, 1997 | Structure Change | Acquired Northern State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 17, 1997 | M&A | Acquired Northern State Bank merger for the acquired bank | SEC |
| September 26, 1994 | M&A | Acquired The Columbia Bank merger for the acquired bank | SEC |
| September 26, 1994 | Structure Change | Acquired The Columbia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1990 | M&A | Acquired Washington Trust Equity Corporation merger for the acquired bank | SEC |
| December 31, 1990 | Structure Change | Acquired Washington Trust Equity Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 1980 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 1980 | M&A | Acquired Eastern Washington Bank merger for the acquired bank | SEC |
| December 6, 1980 | Structure Change | Acquired Eastern Washington Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Washington Trust Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.2% of deposits in WA, rank 9 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,218 applications, 1,422 loans originated, $634.3M originated, across 25 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 88 loans, $53.6M approved, $609K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Washington Trust Bank
What are Washington Trust Bank's total assets?
As of the Q2 2026 filing, Washington Trust Bank reported total assets of $10.54 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Washington Trust Bank headquartered?
Washington Trust Bank is headquartered in Spokane, WA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Washington Trust Bank founded?
Washington Trust Bank was established in 1902, per the FDIC institution directory.
Is Washington Trust Bank FDIC-insured?
Yes. Washington Trust Bank is an FDIC-insured commercial bank (FDIC Certificate #1281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Washington Trust Bank?
Washington Trust Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Washington Trust Bank's CET1 capital ratio?
Washington Trust Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does Washington Trust Bank operate?
Washington Trust Bank operates 45 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Washington Trust Bank's Texas Ratio?
Washington Trust Bank's Texas Ratio is 4.03% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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