Bank Comparison
Washington Trust Bank vs Beal Bank USA
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 13
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Washington Trust Bank | Beal Bank USA |
|---|---|---|
| CET1 Ratio | 11.91% | 51.76% |
| Tier 1 Capital Ratio | 11.91% | 51.76% |
| Total Capital Ratio | 13.17% | 52.89% |
| Tier 1 Leverage Ratio | 9.73% | 21.89% |
| Equity / Assets | 9.57% | 23.91% |
Profitability
| Metric | Washington Trust Bank | Beal Bank USA |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 14.87% |
| Return on Equity (ROE) | 12.26% | 63.47% |
| Net Interest Margin (NIM) | 3.81% | 16.37% |
| Yield on Earning Assets | 4.86% | 18.90% |
| Cost of Funds | 0.85% | 3.19% |
Asset quality
| Metric | Washington Trust Bank | Beal Bank USA |
|---|---|---|
| Texas Ratio | 4.83% | 1.30% |
| Non-Performing Loan Ratio | 0.75% | 0.78% |
| Non-Performing Asset Ratio | 0.53% | 0.32% |
| Net Charge-Off Ratio | 0.01% | -9.16% |
| ACL / Loans | 2.07% | 1.36% |
Balance sheet
| Metric | Washington Trust Bank | Beal Bank USA |
|---|---|---|
| Total Assets | $10.54B | $11.05B |
| Total Deposits | $8.83B | $1.65B |
| Total Loans | $7.47B | $3.94B |
| Total Equity | $1.01B | $2.64B |
| Net Income (quarter) | $30.6M | $439.4M |
Liquidity & funding
| Metric | Washington Trust Bank | Beal Bank USA |
|---|---|---|
| Loan-to-Deposit Ratio | 84.64% | 238.96% |
| Core Deposit Ratio | 96.17% | 41.92% |
| Uninsured Deposit Ratio | 57.30% | 46.56% |
Identity
| Metric | Washington Trust Bank | Beal Bank USA |
|---|---|---|
| Headquarters City | Spokane | Las Vegas |
| Headquarters State | WA | NV |
| Asset Tier | $10B to $100B in assets | $10B to $100B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 45 | 10 |
| Employees (FTE) | 1,242 | 203 |
| Established | November 3, 1902 | August 2, 2004 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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