Washington Trust Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Washington Trust Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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 vital signs page covers and where each line comes from.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 18.76 percentage points higher than in Q2 2026, at 304.35%. Within Washington, Washington Trust Bank is 12th of 28 on return on assets, 1.14% as of Q3 2026. The median for banks in the $10B-100B asset tier is 1.25% on return on assets. Washington Trust Bank sits 0.12 points lower, at 1.14% (Q3 2026).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.12% |
| Tier 1 risk-based capital ratio | 12.12% |
| Total risk-based capital ratio | 13.38% |
| Tier 1 leverage ratio | 9.80% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital 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.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.67% |
| Nonperforming assets ratio | 0.47% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 3.62% |
| Allowance for credit losses to loans | 2.04% |
| Reserve coverage of nonperforming loans | 304.35% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 11.99% |
| Net interest margin | 3.92% |
| Efficiency ratio | 67.60% |
| Yield on earning assets | 4.97% |
| Cost of funds | 0.85% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 82.75% |
| Core deposits to total deposits | 96.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.68% |
| Securities to assets | 19.95% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 11.88% | 11.88% | 13.14% | 8.02% | 0.39% |
| Q1 2024 | 11.85% | 11.85% | 13.11% | 7.81% | 0.40% |
| Q2 2024 | 11.73% | 11.73% | 12.99% | 8.58% | 0.44% |
| Q3 2024 | 11.57% | 11.57% | 12.83% | 8.61% | 0.45% |
| Q4 2024 | 11.78% | 11.78% | 13.04% | 8.69% | 0.78% |
| Q1 2025 | 11.63% | 11.63% | 12.89% | 9.00% | 0.65% |
| Q2 2025 | 11.55% | 11.55% | 12.81% | 9.15% | 0.75% |
| Q3 2025 | 11.54% | 11.54% | 12.80% | 9.24% | 1.03% |
| Q4 2025 | 11.68% | 11.68% | 12.94% | 9.30% | 1.14% |
| Q1 2026 | 11.97% | 11.97% | 13.23% | 9.59% | 1.23% |
| Q2 2026 | 11.91% | 11.91% | 13.17% | 9.73% | 1.16% |
| Q3 2026 | 12.12% | 12.12% | 13.38% | 9.80% | 1.14% |
Washington Trust Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)