Washington Trust Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Washington Trust Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $7.48B in Q3 2026, up 0.6% from $7.44B in Q3 2025. That is 70.1% of its total assets. Across the 12 quarters shown it ranged from $6.51B (Q4 2023) to $7.48B (Q3 2026).
What the loan portfolio page covers and where each line comes from.
Loan-to-deposit ratio dropped 1.89 percentage points in Q3 2026, from 84.64% to 82.75%. It was the largest change from Q2 2026 among the key lines here. Within Washington, Washington Trust Bank is 20th of 28 on loan-to-deposit ratio, 82.75% as of 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).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $7.48B |
| Net loans and leases | $7.33B |
| Loans held for sale | $15.6M |
| Loans to total assets | 70.08% |
| Loan-to-deposit ratio | 82.75% |
| Net loans to equity capital | 7.16× |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCON2122). Open the filed call report for Q3 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.19% |
| Multifamily (5+ residential) | 6.07% |
| Commercial and industrial | 19.47% |
| Consumer | 1.71% |
| Credit cards | 0.22% |
| Farm | 1.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 211.87% |
| Construction concentration (Tier 1 capital + allowance) | 65.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.05% |
| Interest income on loans | $112.2M |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $6.51B | $8.14B | 31.51% | 19.23% | 1.96% |
| Q1 2024 | $6.58B | $7.99B | 31.29% | 19.61% | 1.88% |
| Q2 2024 | $6.77B | $7.98B | 31.06% | 19.51% | 1.78% |
| Q3 2024 | $6.94B | $8.66B | 30.79% | 19.80% | 1.86% |
| Q4 2024 | $6.89B | $8.82B | 31.30% | 19.70% | 1.82% |
| Q1 2025 | $7.06B | $8.71B | 30.83% | 19.89% | 1.71% |
| Q2 2025 | $7.32B | $8.68B | 30.44% | 19.96% | 1.76% |
| Q3 2025 | $7.44B | $8.87B | 30.26% | 19.48% | 1.74% |
| Q4 2025 | $7.36B | $8.95B | 30.77% | 19.09% | 1.79% |
| Q1 2026 | $7.31B | $8.86B | 30.84% | 19.44% | 1.75% |
| Q2 2026 | $7.47B | $8.83B | 30.83% | 19.50% | 1.83% |
| Q3 2026 | $7.48B | $9.04B | 31.19% | 19.47% | 1.71% |
Washington Trust Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)