The Washington Trust Company, of Westerly: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.20 percentage points in Q2 2026, from 85.50% to 89.70%. It was the largest change from Q1 2026 among the key lines here. On return on assets, The Washington Trust Company, of Westerly ranks 3rd highest among the 5 banks headquartered in Rhode Island, at 1.00% (Q2 2026). The Washington Trust Company, of Westerly reported 1.00% on return on assets for Q2 2026, 0.28 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.22% |
| Tier 1 risk-based capital ratio | 12.22% |
| Total risk-based capital ratio | 13.15% |
| Tier 1 leverage ratio | 8.92% |
| Equity capital to assets | 8.68% |
| Tangible equity to tangible assets | 7.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.92% |
| Non-performing assets ratio | 0.72% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.73% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 89.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 11.57% |
| Net interest margin | 2.73% |
| Efficiency ratio | 62.61% |
| Yield on earning assets | 5.03% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.76% |
| Core deposits to total deposits | 93.72% |
| Brokered deposits to total deposits | 7.48% |
| Deposits to assets | 81.89% |
| Securities to assets | 13.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.65% | 10.65% | 11.36% | 7.78% | 0.64% |
| Q4 2023 | 10.75% | 10.75% | 11.47% | 7.72% | 0.73% |
| Q1 2024 | 10.73% | 10.73% | 11.51% | 7.73% | 0.62% |
| Q2 2024 | 10.90% | 10.90% | 11.70% | 7.74% | 0.61% |
| Q3 2024 | 11.27% | 11.27% | 12.10% | 7.77% | 0.62% |
| Q4 2024 | 11.54% | 11.54% | 12.37% | 8.06% | -3.38% |
| Q1 2025 | 12.12% | 12.12% | 13.01% | 8.38% | 0.73% |
| Q2 2025 | 12.07% | 12.07% | 12.96% | 8.58% | 0.80% |
| Q3 2025 | 11.93% | 11.93% | 12.73% | 8.31% | 0.65% |
| Q4 2025 | 11.98% | 11.98% | 12.79% | 8.53% | 0.97% |
| Q1 2026 | 12.31% | 12.31% | 13.22% | 8.69% | 0.78% |
| Q2 2026 | 12.22% | 12.22% | 13.15% | 8.92% | 1.00% |
The Washington Trust Company, of Westerly vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Washington Trust Company, of Westerly, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)