Washington Trust Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Washington Trust Bank reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $781.6M in Q3 2026, up 68.5% from $463.8M in Q3 2025. That is 7.3% of its total assets. Across the 12 quarters shown it ranged from $330.4M (Q2 2024) to $1.15B (Q4 2023).
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
Cash and balances due from depository institutions climbed 41.5% in Q3 2026, from $552.2M to $781.6M. It was the largest change from Q2 2026 among the key lines here. Washington Trust Bank ranks 20th of 28 Washington banks on loan-to-deposit ratio, in the lower half at 82.75% (Q3 2026). The median for banks in the $10B-100B asset tier is 85.97% on loan-to-deposit ratio. Washington Trust Bank sits 3.22 points lower, at 82.75% (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $781.6M |
| Cash and noninterest-bearing balances to assets | 7.32% |
| Cash and securities | $2.91B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $249.2M |
| Other borrowed money | $160.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.50% |
| Trading liabilities | $0 |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 82.75% |
| Net loans and leases to deposits | 81.07% |
| Loans and leases to core deposits | 85.69% |
| Core deposits to total deposits | 96.58% |
| Brokered deposits to total deposits | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 79.95% | 97.42% | $337.0M | $1.92B |
| Q1 2024 | 82.40% | 97.02% | $320.9M | $1.56B |
| Q2 2024 | 84.81% | 96.89% | $275.9M | $1.47B |
| Q3 2024 | 80.11% | 96.51% | $319.7M | $1.00B |
| Q4 2024 | 78.11% | 96.12% | $327.2M | $500.0M |
| Q1 2025 | 81.05% | 95.49% | $376.6M | $500.0M |
| Q2 2025 | 84.30% | 95.43% | $393.3M | $500.0M |
| Q3 2025 | 83.81% | 95.79% | $382.3M | $250.0M |
| Q4 2025 | 82.24% | 96.02% | $328.0M | $250.0M |
| Q1 2026 | 82.51% | 96.10% | $386.8M | $250.0M |
| Q2 2026 | 84.64% | 96.17% | $259.8M | $250.0M |
| Q3 2026 | 82.75% | 96.58% | $249.2M | $160.0M |
Washington Trust Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)