Washington Trust Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Washington Trust Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.12% in Q3 2026, up 0.58 percentage points from 11.54% in Q3 2025. Across the 12 quarters shown it ranged from 11.54% (Q3 2025) to 12.12% (Q3 2026).
What the capital ratios and amounts page covers and where each line comes from.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q3 2026, Retained earnings edged up by 1.9%, from $988.0M to $1.01B, the largest move among the key lines here. Within Washington, Washington Trust Bank is 15th of 19 on CET1 ratio, 12.12% as of Q3 2026. Washington Trust Bank reported 12.12% on CET1 ratio for Q3 2026, 0.77 points below the 12.88% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.12% |
| Tier 1 risk-based capital ratio | 12.12% |
| Total risk-based capital ratio | 13.38% |
| Tier 1 leverage ratio | 9.80% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R; Common equity Tier 1 ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $1.05B |
| Tier 1 capital | $1.05B |
| Total risk-based capital | $1.16B |
| Total equity capital | $1.02B |
| Risk-weighted assets | $8.66B |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 7.37% |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $7.5M |
| Common stock surplus | $35.7M |
| Retained earnings | $1.01B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26.8M |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 11.88% | 11.88% | 13.14% | 8.02% | $7.70B |
| Q1 2024 | 11.85% | 11.85% | 13.11% | 7.81% | $7.75B |
| Q2 2024 | 11.73% | 11.73% | 12.99% | 8.58% | $7.89B |
| Q3 2024 | 11.57% | 11.57% | 12.83% | 8.61% | $8.06B |
| Q4 2024 | 11.78% | 11.78% | 13.04% | 8.69% | $8.05B |
| Q1 2025 | 11.63% | 11.63% | 12.89% | 9.00% | $8.21B |
| Q2 2025 | 11.55% | 11.55% | 12.81% | 9.15% | $8.40B |
| Q3 2025 | 11.54% | 11.54% | 12.80% | 9.24% | $8.53B |
| Q4 2025 | 11.68% | 11.68% | 12.94% | 9.30% | $8.52B |
| Q1 2026 | 11.97% | 11.97% | 13.23% | 9.59% | $8.46B |
| Q2 2026 | 11.91% | 11.91% | 13.17% | 9.73% | $8.66B |
| Q3 2026 | 12.12% | 12.12% | 13.38% | 9.80% | $8.66B |
Washington Trust Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. How these pages are built. See the full Washington Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1281) · FFIEC NIC profile (RSSD 58971)