Bank call report · Westerly, RI
The Washington Trust Company, of Westerly Call Report
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The Washington Trust Company, of Westerly filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 533 reported line items, schedule by schedule (928 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 816603 |
| FDIC certificate number | 23623 |
| Total assets | $6.55B |
Official Q2 2026 call report PDF (FFIEC) →
The Washington Trust Company, of Westerly call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (29 items)
About Schedule RC · The Washington Trust Company, of Westerly balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $6.55B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $6.55B |
| Total Liabilities and Minority Interest | RCON2948 | $5.98B |
| Total Deposits | RCON2200 | $5.36B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $5.10B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $5.06B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $4.72B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $885.3M |
| Deposits: Noninterest-bearing | RCON6631 | $649.3M |
| Total Equity Capital | RCON3210 | $568.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $568.7M |
| Other Borrowed Money | RCON3190 | $456.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $351.1M |
| Surplus | RCON3839 | $292.0M |
| Other Assets | RCON2160 | $243.9M |
| Other Liabilities, Total | RCON2930 | $129.9M |
| Interest-bearing Balances | RCON0071 | $87.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$77.4M |
| Intangible Assets | RCON2143 | $74.0M |
| Goodwill | RCON3163 | $63.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $61.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $42.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $33.8M |
| Loans and Leases Held for Sale | RCON5369 | $33.6M |
| Trading Liabilities, Total | RCON3548 | $32.2M |
| Trading Assets, Total | RCON3545 | $32.0M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $26.9M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $11.9M |
| Common Stock | RCON3230 | $3.0M |
Schedule RI: Income Statement (48 items)
About Schedule RI · The Washington Trust Company, of Westerly income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $155.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $129.9M |
| Net Interest Income | RIAD4074 | $82.9M |
| Total Noninterest Expense | RIAD4093 | $76.0M |
| Total Interest Expense | RIAD4073 | $72.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $66.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $55.7M |
| Salaries and Employee Benefits | RIAD4135 | $49.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $37.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $37.3M |
| Total Noninterest Income | RIAD4079 | $35.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $29.4M |
| Net Income (Loss) | RIAD4340 | $29.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $29.4M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $23.6M |
| Other Noninterest Expense | RIAD4092 | $18.9M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $17.6M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $16.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $13.6M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $11.8M |
| Applicable Income Taxes | RIAD4302 | $8.0M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $7.1M |
| Other Interest Income | RIAD4518 | $6.4M |
| Other Noninterest Income | RIADB497 | $6.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $5.9M |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $5.6M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $5.6M |
| Provision for Loan and Lease Losses | RIAD4230 | $5.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.9M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $4.6M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $3.0M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $2.7M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.7M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $1.7M |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $1.2M |
| Net Servicing Fees | RIADB492 | $1.0M |
| Trading Revenue | RIADA220 | $810K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $725K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $669K |
| Interest on Other Securities | RIAD4060 | $654K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $509K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $360K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $311K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $145K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $122K |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | -$65K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $15K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 668 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $121.6M |
| Balances Due from Federal Reserve Banks | RCON0090 | $72.5M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $17.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $15.7M |
| Currency and Coin | RCON0080 | $15.7M |
Schedule RC-B: Securities (30 items)
About Schedule RC-B · The Washington Trust Company, of Westerly securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $351.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $352.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $542.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $446.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $28.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $28.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $982.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $722.8M |
| Pledged Securities | RCON0416 | $395.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $73.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $28.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $26.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $24.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $19.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $17.4M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $16.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $16.7M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $15.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $15.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $15.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $15.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $9.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $1.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $660K |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $650K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $587K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $484K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $356K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $144K |
Schedule RC-C, Part I: Loans and Leases (39 items)
About Schedule RC-C, Part I · The Washington Trust Company, of Westerly loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $5.14B |
| Pledged Loans and Leases | RCONG378 | $2.84B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $2.06B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $1.87B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.44B |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.09B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $906.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $546.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $469.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $387.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $383.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $356.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $305.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $266.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $258.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $212.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $190.2M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $155.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $144.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $143.1M |
| Commercial and Industrial Loans | RCON1766 | $126.8M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $126.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $101.5M |
| Other Loans | RCONJ464 | $78.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $65.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $62.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $54.9M |
| Loans for purchasing or carrying securities, including margin loans | RCON1545 | $42.0M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $36.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $21.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $13.6M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $11.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $7.6M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $6.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $5.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $2.0M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $1.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $268K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $69.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $13.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $9.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.1M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 302 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 212 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 103 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 94 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 88 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 36 |
Schedule RC-D: Trading Assets and Liabilities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Revaluation Losses on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCON3547 | $32.2M |
| Revaluation Gains on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCON3543 | $32.0M |
Schedule RC-E: Deposit Liabilities (37 items)
About Schedule RC-E · The Washington Trust Company, of Westerly deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $4.23B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $3.94B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.83B |
| Total reciprocal deposits | RCONJH83 | $1.60B |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $1.29B |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $1.29B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.27B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.16B |
| Total Transaction Accounts | RCON2215 | $1.13B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $1.09B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $953.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $901.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $686.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $450.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $438.6M |
| Total Brokered Deposits | RCON2365 | $401.5M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $376.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $358.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $336.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $299.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $277.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $235.8M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $223.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $201.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $182.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $177.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $153.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $101.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $98.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $82.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $34.8M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $10.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $9.3M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $3.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $2.0M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $727K |
| Total Nontransaction Accounts - Deposits of Foreign Governments and Official Institutions | RCON2377 | $495K |
Schedule RC-F: Other Assets (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $116.9M |
| Other Assets | RCON2168 | $44.1M |
| Net Deferred Tax Assets | RCON2148 | $36.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $24.1M |
| Accrued Interest Receivable | RCONB556 | $22.4M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $21.5M |
| Accounts Receivable | RCONFT34 | $7.0M |
| Prepaid Expenses | RCON2166 | $4.7M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $3.4M |
| Computer Software | RCONFT33 | $70K |
Schedule RC-G: Other Liabilities (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $107.8M |
| Operating lease liabilities | RCONLB56 | $37.9M |
| Deferred Compensation Liabilities | RCONC011 | $34.4M |
| Other Expenses Accrued and Unpaid | RCON3646 | $14.9M |
| Dividends Declared But Not Yet Payable | RCON2932 | $11.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $5.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.3M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $933K |
| Accounts Payable | RCON3066 | $456K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · The Washington Trust Company, of Westerly quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $6.56B |
| Quarterly Average of Total Loans | RCON3360 | $5.04B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $2.49B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $2.36B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $2.35B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $954.6M |
| Mortgage-backed Securities | RCONB559 | $937.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $799.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $536.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $343.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $124.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $99.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $41.6M |
| Quarterly Average of Assets Held in Trading Accounts | RCON3401 | $30.6M |
| All Other Securities | RCONB560 | $30.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $14.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (30 items)
About Schedule RC-L · The Washington Trust Company, of Westerly derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $244.3M |
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Purchased Protection That Is Recognized as a Guarantee for Regulatory Capital Purposes | RCONG404 | $67.4M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of One Year or Less. | RCONG406 | $28.8M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over Five Years | RCONG408 | $94.6M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG407 | $120.9M |
| Notional Amount of Purchased Credit Protection: Investment Grade - with Remaining Maturity of One Year or Less. | RCONG412 | $15.6M |
| Notional Amount of Purchased Credit Protection: Investment Grade - with Remaining Maturity of Over Five Years | RCONG414 | $51.8M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $2.01B |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $1.79B |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $620.9M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $455.5M |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $250.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $247.9M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $244.3M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $220.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $195.0M |
| Interest Rate Forward Contracts | RCON8697 | $93.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $71.2M |
| Credit Derivatives: Notional Amounts-other Credit Derivatives-beneficiary | RCONC975 | $67.4M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $65.1M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $65.1M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $57.3M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8737 | $35.3M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $35.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $18.4M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $16.9M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $7.0M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $3.5M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $1.1M |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Beneficiary:gross Positive Fair Value | RCONC221 | $50K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · The Washington Trust Company, of Westerly memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $325.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $245.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $125.0M |
| FHLB Advances: Structured Advances | RCONF059 | $80.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $16.9M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $11.9M |
| Mortgage Servicing Assets | RCON3164 | $6.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $6.0M |
| All other intangible assets | RCONJF76 | $4.0M |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · The Washington Trust Company, of Westerly past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $39.8M |
| Additions to Nonaccrual Assets | RCONC410 | $31.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $28.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $9.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $5.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $3.9M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $1.4M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $1.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $334K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $309K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $230K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $230K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $126K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $30K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · The Washington Trust Company, of Westerly other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $6.56B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $5.45B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $3.75B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.55B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.45B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $580.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $121.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $33.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 122,850 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 3,934 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 2,408 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 77 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $119.4M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $118.4M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $33.6M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $2.7M |
| Representation and Warranty Reserves for 1-4 Family Residential Mortgage Loans Sold: Total | RCONM288 | $310K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (28 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 2 Fair Value Measurements | RCONG486 | $33.6M |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCONG483 | $33.6M |
| Trading Derivative Assets - Less Amounts Netted in the Determination of Total Fair Value | RCONG493 | $3.1M |
| Trading Derivative Assets - Level 2 Fair Value Measurements | RCONG495 | $35.1M |
| Trading Derivative Liabilities - Less Amounts Netted in the Determination of Total Fair Value | RCONG512 | $3.1M |
| Trading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG514 | $35.3M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $969.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $966.2M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $897.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $897.2M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $36.4M |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCONHT87 | $33.6M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $33.1M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, Secured by 1-4 family residential properties, Domestic Offices | RCONHT91 | $33.0M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $3.5M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $3.5M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $3.4M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $3.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Less Amounts Netted in the Determination of Total Fair Value | RCONG503 | $3.3M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Less Amounts Netted in the Determination of Total Fair Value | RCONG532 | $3.3M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $1.1M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $1.1M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $933K |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $933K |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Less Amounts Netted in the Determination of Total Fair Value | RCONG542 | $170K |
| All Other Assets - Less Amounts Netted in the Determination of Total Fair Value | RCONG392 | $170K |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities- Less Amounts Netted in the Determination of Total Fair Value | RCONG567 | $170K |
| All Other Liabilities - Less Amounts Netted in the Determination of Total Fair Value | RCONG806 | $170K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The Washington Trust Company, of Westerly regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $4.74B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · The Washington Trust Company, of Westerly regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $6.56B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $6.49B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $4.74B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $622.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $578.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $578.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $578.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $568.7M |
| Retained Earnings | RCOAKW00 | $351.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $295.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$77.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$75.1M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $67.4M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $63.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $43.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $43.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $43.9M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $3.5M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$2.4M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | $126K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1315 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1222 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1222 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0892 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0515 |
Schedule RC-R, Part II: Risk-Weighted Assets (73 items)
About Schedule RC-R, Part II · The Washington Trust Company, of Westerly risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $4.74B |
| Total Risk-weighted Assets | RCONG641 | $4.74B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $3.46B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $3.46B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $3.27B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $2.75B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $2.74B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $2.33B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $2.17B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $2.16B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $2.12B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $1.39B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $1.08B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $897.2M |
| Unconditionally Cancellable Commitments | RCONS540 | $692.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $651.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $630.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $607.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $568.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $490.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $489.7M |
| Total All Other Assets | RCOND981 | $405.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $395.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $365.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $295.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $263.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $208.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - Over Five Years | RCONS590 | $146.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $131.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $131.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $130.2M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $121.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - Over One Year Through Five Years | RCONS589 | $120.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$96.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $89.0M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $70.8M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $70.3M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $50.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $48.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - One Year or Less | RCONS588 | $44.4M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $43.6M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $38.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$36.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $33.6M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $33.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $32.6M |
| Total Trading Assets | RCOND976 | $32.0M |
| Trading Assets - Adjustments to Totals Reported in Column a | RCONS466 | $32.0M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $29.3M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $29.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $29.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $29.0M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $29.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $25.0M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $20.2M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $15.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $9.7M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $7.3M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $7.0M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $7.0M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $6.3M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $6.1M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $6.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $6.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $4.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $4.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $4.0M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $1.7M |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $738K |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $650K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $69K |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $68K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $1.26B |
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $213.0M |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCONF699 | $326K |
Schedule RC-T: Fiduciary and Related Services (43 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $4.88B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $2.78B |
| Other Retirement Accounts - Managed Assets | RCONB880 | $789.7M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $717.4M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $704.8M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $409.0M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $282.2M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $276.3M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $171.7M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $160.8M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $148.8M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $103.4M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $17.9M |
| Income from Fiduciary Activities | RIAD4070 | $16.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $15.0M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $7.8M |
| Other Retirement Accounts | RIADB907 | $3.3M |
| Personal Trust and Agency Accounts | RIADB904 | $3.2M |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $799K |
| Employee Benefit-defined Contribution | RIADB905 | $371K |
| Other Fiduciary and Related Services Income | RIADB910 | $295K |
| Employee Benefit-defined Benefit | RIADB906 | $291K |
| Custody and Safekeeping Accounts | RIADB909 | $165K |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $121K |
| All Other Fiduciary Income | RIADA480 | $12K |
| Other Fiduciary Accounts - Non-managed Assets | RCONB891 | $1K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 3,652 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 1,544 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 1,357 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 1,340 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 559 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 302 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 191 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 156 |
| Other Fiduciary Accounts - Number of Non-managed Accounts | RCONB893 | 119 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 58 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 57 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 27 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 9 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 9 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 3 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 2 |
| Employee Benefit-defined Benefit - Number of Non-managed Accounts | RCONB879 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $568.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $557.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $557.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $22.0M |
| Other Comprehensive Income | RIADB511 | $1.9M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $1.5M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · The Washington Trust Company, of Westerly charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $162K |
| Charge-offs on All Other Loans | RIAD4644 | $158K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $97K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $63K |
| Recoveries on Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 4617, 4618, and 4628 | RIAD5410 | $54K |
| Recoveries on All Other Loans | RIAD4628 | $26K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $4K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $4K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $2K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $1K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · The Washington Trust Company, of Westerly changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $42.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $37.2M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $200K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $162K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $5.10B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $2.35B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $2.29B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $360.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $86.2M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $42.6M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $29.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $13.8M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $7.3M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $5.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $404K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $169K |
Schedule RI-E: Explanations (17 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $7.4M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $2.7M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $1.8M |
| Marketing and Other Professional Services | RIAD0497 | $1.3M |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $1.1M |
| Consulting and Advisory Expense | RIADF557 | $720K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $577K |
| Directors' Fees | RIAD4136 | $521K |
| Legal Expense | RIAD4141 | $455K |
| Accounting and Auditing Expenses | RIADF556 | $400K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $384K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $335K |
| Telecommunications Expense | RIADF559 | $300K |
| Safe Deposit Box Rent | RIADC015 | $196K |
| Income and Fees from Wire Transfers | RIADT047 | $130K |
| Printing, Stationery, and Supplies | RIADC018 | $111K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $89K |
The Washington Trust Company, of Westerly call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Washington Trust Company, of Westerly call report?
The The Washington Trust Company, of Westerly call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Washington Trust Company, of Westerly file?
The Washington Trust Company, of Westerly files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Washington Trust Company, of Westerly call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Washington Trust Company, of Westerly has Federal Reserve RSSD ID 816603 and FDIC certificate number 23623. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Washington Trust Company, of Westerly file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Washington Trust Company, of Westerly financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 23623) · FFIEC NIC profile (RSSD 816603)