Washington Trust Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Washington Trust Bank of Spokane, WA against its peer group of 124 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.14% | 1.31% | -0.17% | 35th worse half |
| ROAE | 11.99% | 11.12% | +0.87% | 57th better half |
| Net Interest Margin | 3.92% | 3.67% | +0.25% | 67th better half |
| Efficiency Ratio | 67.60% | 53.24% | +14.36% | 88th worst quarter |
| PPNR / Avg Assets | 1.44% | 1.88% | -0.44% | 22nd worst quarter |
| Yield on Earning Assets | 4.97% | 5.46% | -0.49% | 18th |
| Cost of Funds | 0.85% | 1.98% | -1.13% | 4th best quarter |
| Net Interest Spread | 3.20% | 2.98% | +0.22% | 67th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.67% | 0.67% | +0.00% | 51st worse half |
| NPA / Total Assets | 0.47% | 0.49% | -0.02% | 50th better half |
| NCO / Avg Loans | 0.09% | 0.14% | -0.05% | 34th better half |
| ACL / Total Loans | 2.04% | 1.12% | +0.92% | 94th |
| ACL / NPLs (Coverage) | 304.35% | 181.80% | +122.55% | 83rd best quarter |
| Texas Ratio | 3.62% | 4.26% | -0.64% | 40th better half |
| Provision / NCO | -14.79% | 113.11% | -127.90% | 11th |
| CRE / Total Capital | 211.87% | 217.03% | -5.16% | 48th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 12.12% | 12.93% | -0.81% | 28th worse half |
| Tier 1 Ratio | 12.12% | 13.04% | -0.92% | 27th worse half |
| Total Capital Ratio | 13.38% | 14.24% | -0.86% | 28th worse half |
| Leverage Ratio | 9.80% | 10.21% | -0.41% | 39th worse half |
| Equity / Assets | 9.58% | 11.26% | -1.68% | 23rd worst quarter |
| TCE / Tangible Assets | 9.58% | 9.38% | +0.20% | 55th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 82.75% | 86.53% | -3.78% | 37th |
| Core Deposit Ratio | 96.58% | 91.81% | +4.77% | 85th best quarter |
| Uninsured Deposit Ratio | 57.60% | 39.38% | +18.22% | 96th worst quarter |
| Borrowings / Total Assets | 3.83% | 3.64% | +0.19% | 52nd worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.45% | 5.37% | -4.92% | 20th |
| Loan Growth (Y/Y) | 0.62% | 6.53% | -5.91% | 17th |
| Deposit Growth (Y/Y) | 1.90% | 4.86% | -2.96% | 28th |
See Washington Trust Bank's peers by name
The 124 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Washington Trust Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Washington Trust Bank peer analysis.