The Washington Trust Company, of Westerly: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged up 0.23 percentage points between Q1 2026 and Q2 2026, to 8.67%. The Washington Trust Company, of Westerly reported 12.22% on CET1 ratio for Q2 2026, 1.27 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.22% |
| Tier 1 risk-based capital ratio | 12.22% |
| Total risk-based capital ratio | 13.15% |
| Tier 1 leverage ratio | 8.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $578.6M |
| Tier 1 capital | $578.6M |
| Total risk-based capital | $622.5M |
| Total equity capital | $568.7M |
| Risk-weighted assets | $4.74B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.68% |
| Tangible equity to tangible assets | 7.72% |
| Equity capital to average assets | 8.67% |
| Internal capital growth rate | 3.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $292.0M |
| Retained earnings | $351.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$77.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.65% | 10.65% | 11.36% | 7.78% | $5.28B |
| Q4 2023 | 10.75% | 10.75% | 11.47% | 7.72% | $5.28B |
| Q1 2024 | 10.73% | 10.73% | 11.51% | 7.73% | $5.29B |
| Q2 2024 | 10.90% | 10.90% | 11.70% | 7.74% | $5.22B |
| Q3 2024 | 11.27% | 11.27% | 12.10% | 7.77% | $5.07B |
| Q4 2024 | 11.54% | 11.54% | 12.37% | 8.06% | $4.95B |
| Q1 2025 | 12.12% | 12.12% | 13.01% | 8.38% | $4.72B |
| Q2 2025 | 12.07% | 12.07% | 12.96% | 8.58% | $4.76B |
| Q3 2025 | 11.93% | 11.93% | 12.73% | 8.31% | $4.72B |
| Q4 2025 | 11.98% | 11.98% | 12.79% | 8.53% | $4.75B |
| Q1 2026 | 12.31% | 12.31% | 13.22% | 8.69% | $4.65B |
| Q2 2026 | 12.22% | 12.22% | 13.15% | 8.92% | $4.74B |
The Washington Trust Company, of Westerly regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Washington Trust Company, of Westerly, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Washington Trust Company, of Westerly profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23623) · FFIEC NIC profile (RSSD 816603)