The Washington Trust Company, of Westerly: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Washington Trust Company, of Westerly of Westerly, RI against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.00% | 1.46% | -0.46% | 29th below |
| ROAE | 11.57% | 12.72% | -1.15% | 45th below |
| Net Interest Margin | 2.73% | 3.85% | -1.12% | 8th bottom |
| Efficiency Ratio | 62.61% | 57.39% | +5.22% | 37th below |
| PPNR / Avg Assets | 1.36% | 1.88% | -0.52% | 30th below |
| Yield on Earning Assets | 5.03% | 5.72% | -0.69% | 21st bottom |
| Cost of Funds | 2.48% | 2.01% | +0.47% | 22nd bottom |
| Net Interest Spread | 2.27% | 3.18% | -0.91% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.92% | 1.00% | -0.08% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.72% | 0.76% | -0.04% | 36th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 68th above |
| ACL / Total Loans | 0.83% | 1.31% | -0.48% | 15th bottom |
| ACL / NPLs (Coverage) | 89.70% | 544.53% | -454.83% | 25th below |
| Texas Ratio | 8.73% | 7.39% | +1.34% | 28th below |
| Provision / NCO | 8307.69% | 595.49% | +7712.20% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.22% | 17.35% | -5.13% | 29th below |
| Tier 1 Ratio | 12.22% | 17.38% | -5.16% | 28th below |
| Total Capital Ratio | 13.15% | 18.43% | -5.28% | 25th below |
| Leverage Ratio | 8.92% | 11.44% | -2.52% | 10th bottom |
| Equity / Assets | 8.68% | 11.34% | -2.66% | 16th bottom |
| TCE / Tangible Assets | 7.72% | 10.51% | -2.79% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.76% | 86.93% | +8.83% | 27th below |
| Core Deposit Ratio | 93.72% | 85.53% | +8.19% | 78th top |
| Uninsured Deposit Ratio | 27.07% | 33.14% | -6.07% | 64th above |
| Wholesale Funding Ratio | 6.96% | 5.70% | +1.26% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.87% | 9.71% | -12.58% | 7th bottom |
| Loan Growth (Y/Y) | -0.76% | 8.08% | -8.84% | 14th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.26% | 7.87% | -1.61% | 59th above |
See The Washington Trust Company, of Westerly's peers by name
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Unlock The Washington Trust Company, of Westerly, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Washington Trust Company, of Westerly profile, how to read a UBPR, or how this data updates.