The Washington Trust Company, of Westerly: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.83 percentage points lower than in Q1 2026, at 334.83%. On loan-to-deposit ratio, The Washington Trust Company, of Westerly is 2nd from the bottom among 5 Rhode Island banks, 95.76% (Q2 2026). The Washington Trust Company, of Westerly reported 95.76% on loan-to-deposit ratio for Q2 2026, 7.56 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.14B |
| Net loans and leases | $5.09B |
| Loans held for sale | $33.6M |
| Loans to total assets | 78.41% |
| Loan-to-deposit ratio | 95.76% |
| Net loans to equity capital | 8.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.00% |
| Multifamily (5+ residential) | 10.63% |
| Commercial and industrial | 2.47% |
| Consumer | 0.27% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 334.83% |
| Construction concentration (Tier 1 capital + allowance) | 13.88% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.19% |
| Interest income on loans | $65.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.62B | $5.43B | 29.11% | 3.85% | 0.30% |
| Q4 2023 | $5.67B | $5.35B | 29.68% | 3.77% | 0.30% |
| Q1 2024 | $5.71B | $5.35B | 29.99% | 3.91% | 0.30% |
| Q2 2024 | $5.66B | $4.98B | 30.74% | 3.89% | 0.31% |
| Q3 2024 | $5.54B | $5.18B | 31.87% | 3.90% | 0.30% |
| Q4 2024 | $5.44B | $5.12B | 33.68% | 2.80% | 0.30% |
| Q1 2025 | $5.12B | $5.04B | 35.73% | 2.90% | 0.32% |
| Q2 2025 | $5.18B | $5.05B | 35.59% | 2.84% | 0.31% |
| Q3 2025 | $5.15B | $5.23B | 36.38% | 2.69% | 0.30% |
| Q4 2025 | $5.17B | $5.28B | 36.00% | 2.52% | 0.29% |
| Q1 2026 | $5.05B | $5.17B | 34.83% | 2.46% | 0.29% |
| Q2 2026 | $5.14B | $5.36B | 34.00% | 2.47% | 0.27% |
The Washington Trust Company, of Westerly loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Washington Trust Company, of Westerly, freeSource: Call Report Schedule RC-C, 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)