Washington Trust Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.17% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.17% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 11.91% +5.41 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $1.03B | 1,031,240 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.66B | 8,655,616 | RCOAA223 |
| Recomputed ratio | 11.91% | numerator / denominator | |
| Filed ratio | 11.91% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.41 pp | $468.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.91% +3.91 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $1.03B | 1,031,240 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.66B | 8,655,616 | RCOAA223 |
| Recomputed ratio | 11.91% | numerator / denominator | |
| Filed ratio | 11.91% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.91 pp | $338.8M | capital that could be lost first |
Total risk-based capital ratio 13.17% +3.17 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $1.14B | 1,140,171 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.66B | 8,655,616 | RCOAA223 |
| Recomputed ratio | 13.17% | numerator / denominator | |
| Filed ratio | 13.17% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.17 pp | $274.6M | capital that could be lost first |
Tier 1 leverage ratio 9.73% +4.73 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $1.03B | 1,031,240 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $10.60B | 10,596,441 | RCOAA224 |
| Recomputed ratio | 9.73% | numerator / denominator | |
| Filed ratio | 9.73% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.73 pp | $501.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 43,199 | 43,199 | 43,199 | 43,199 | 43,199 | 43,199 | RCOAP742 |
| Retained earnings | 988,041 | 969,243 | 951,768 | 940,713 | 926,886 | 911,638 | RCOAKW00 |
| Accumulated other comprehensive income | (22,604) | (24,160) | (23,417) | (24,648) | (31,421) | (32,529) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,008,636 | 988,282 | 971,550 | 959,264 | 938,664 | 922,308 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 22,604 | 24,160 | 23,417 | 24,648 | 31,421 | 32,529 | P859 - P840 |
| Common equity Tier 1 capital | 1,031,240 | 1,012,442 | 994,967 | 983,912 | 970,085 | 954,837 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,031,240 | 1,012,442 | 994,967 | 983,912 | 970,085 | 954,837 | RCOA8274 |
| Tier 2 capital | 108,931 | 106,473 | 107,175 | 107,348 | 105,741 | 103,368 | RCOA5311 |
| Allowance includable in Tier 2 capital | 108,931 | 106,473 | 107,175 | 107,348 | 105,741 | 103,368 | RCOA5310 |
| Total capital | 1,140,171 | 1,118,915 | 1,102,142 | 1,091,260 | 1,075,826 | 1,058,205 | RCOA3792 |
| Total risk-weighted assets | 8,655,616 | 8,460,220 | 8,518,509 | 8,528,737 | 8,397,429 | 8,209,099 | RCOAA223 |
| Average total assets for the leverage ratio | 10,596,441 | 10,553,337 | 10,693,952 | 10,653,332 | 10,596,798 | 10,603,806 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $552.2M | $20.6M | 3.73% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.26B | $419.7M | 18.57% | 4.82% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $265.0M | $5.2M | 1.96% | 0.06% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $2.01B | $1.17B | 58.11% | 13.41% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $400.1M | $600.1M | 150.00% | 6.89% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $40.4M | $50.2M | 124.37% | 0.58% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $5.02B | $4.91B | 97.72% | 56.31% | RC-R Part II, item 4.d, 5.d |
| All other assets | $418.9M | $469.0M | 111.95% | 5.38% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.10B | $1.07B | 97.25% | 12.33% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $840K | $332K | 39.56% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $800 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $8.71B | ties to item 31 ($8.71B) |
|---|---|---|
| Risk-weighted assets before deductions | $8.71B | RCONB704 |
| Less: excess allowance for credit losses | $58.9M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $8.66B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 11.91% | 11.91% | 13.17% | 9.73% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 11.97% | 11.97% | 13.23% | 9.59% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 11.68% | 11.68% | 12.94% | 9.30% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 11.54% | 11.54% | 12.80% | 9.24% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 11.55% | 11.55% | 12.81% | 9.15% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 11.63% | 11.63% | 12.89% | 9.00% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 11.78% | 11.78% | 13.04% | 8.69% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 11.57% | 11.57% | 12.83% | 8.61% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 11.73% | 11.73% | 12.99% | 8.58% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 11.85% | 11.85% | 13.11% | 7.81% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 11.88% | 11.88% | 13.14% | 8.02% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 11.87% | 11.87% | 13.13% | 8.29% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Washington Trust Bank (this bank) | Risk-based | 11.91% | 11.91% | 13.17% | 9.73% | |
| Charles Schwab Trust Bank | $10.51B | Risk-based | 79.60% | 79.60% | 79.60% | 10.93% |
| Centier Bank | $10.41B | Risk-based | 12.85% | 12.85% | 14.04% | 10.74% |
| Stellar Bank | $10.40B | Risk-based | 12.79% | 12.79% | 13.99% | 10.48% |
| Amarillo National Bank | $10.38B | Risk-based | 13.03% | 13.03% | 14.18% | 10.75% |
| WEX Bank | $10.71B | Risk-based | 12.70% | 12.70% | 13.48% | 8.93% |
| Stock Yards Bank & Trust Company | $10.36B | Risk-based | 12.02% | 12.02% | 13.28% | 10.74% |
| Amerant Bank, N.A. | $10.27B | Risk-based | 12.91% | 12.91% | 14.15% | 9.88% |
| International Bank of Commerce | $10.19B | Risk-based | 21.11% | 21.11% | 22.36% | 19.02% |
| Origin Bank | $10.18B | Risk-based | 12.80% | 12.80% | 13.97% | 11.37% |
| Burke and Herbert Bank and Trust Company | $10.98B | Risk-based | 13.32% | 13.32% | 14.31% | 12.26% |
| Peer 25th percentile | 12.79% | 12.79% | 13.97% | 10.54% | ||
| Peer median | 12.88% | 12.88% | 14.09% | 10.74% | ||
| Peer 75th percentile | 13.25% | 13.25% | 14.28% | 11.26% | ||
| This bank's percentile | 0 | 0 | 0 | 10 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/58971/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.