Washington Trust Bank
Spokane, WA · Cert 1281 · Peer group: banks over $10B in assets (n=142-144) · W T B Financial Corp.
State charter, non-member · FDIC · 44 branches
Q2 2026
$10.5BAssets
$7.5BLoans
$8.8BDeposits
$1.0BEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 77% of banks over $10B in assets (rank 34 of 142).
- Widest gap: efficiency ratio trails 84% of banks over $10B in assets (rank 122 of 144).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.20%
Rank 84 of 144
Net Interest Margin
3.66%
Rank 38 of 144
Efficiency Ratio
66.67%
Rank 122 of 144
Equity / Assets
9.57%
Rank 110 of 144
Non-interest income vs. expense
Unfavorable gap of $233.6M · efficiency ratio beats 16% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 1.00% | 1.26% | 1.54% | Beats 42% | 84 / 144 | |
| Return on Equity | 12.52% | 8.98% | 11.34% | 14.40% | Beats 63% | 53 / 144 | |
| Net Interest Margin | 3.66% | 2.82% | 3.31% | 3.68% | Beats 74% | 38 / 144 | |
| Efficiency Ratio | 66.67% | 49.42% | 56.02% | 62.41% | Beats 16% | 122 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.48% | 0.73% | 1.07% | Beats 50% | 72 / 142 | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.11% | 0.22% | Beats 77% | 34 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 11.91% | 12.07% | 12.98% | 14.92% | Beats 19% | 117 / 144 | |
| Total Risk-Based Capital Ratio | 13.17% | 13.39% | 14.14% | 16.25% | Beats 20% | 115 / 144 | |
| Equity / Assets | 9.57% | 9.69% | 11.39% | 12.96% | Beats 24% | 110 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 84.64% | 75.72% | 84.92% | 91.56% | 48th pctl | 74 / 143 | |
| Loans / Assets | 70.92% | 59.83% | 69.07% | 74.80% | 58th pctl | 60 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |