Washington Trust Company, of Westerly, The
Westerly, RI · Cert 23623 · Peer group: banks $1B-$10B in assets (n=322-328) · Washington Trust Bcorp Inc.
State charter, non-member · FDIC · 29 branches
Q2 2026
$6.6BAssets
$5.1BLoans
$5.4BDeposits
$568.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 84% of banks $1B-$10B in assets (rank 53 of 322).
- Widest gap: net interest margin trails 94% of banks $1B-$10B in assets (rank 307 of 328).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.90%
Rank 250 of 328
Net Interest Margin
2.56%
Rank 307 of 328
Efficiency Ratio
63.88%
Rank 210 of 328
Equity / Assets
8.68%
Rank 274 of 328
Non-interest income vs. expense
Unfavorable gap of $80.0M · efficiency ratio beats 36% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.91% | 1.22% | 1.52% | Beats 24% | 250 / 328 | |
| Return on Equity | 10.33% | 8.43% | 11.45% | 14.43% | Beats 39% | 200 / 328 | |
| Net Interest Margin | 2.56% | 3.03% | 3.45% | 3.83% | Beats 6% | 307 / 328 | |
| Efficiency Ratio | 63.88% | 51.61% | 59.56% | 67.53% | Beats 36% | 210 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.24% | 0.51% | 1.03% | Beats 35% | 209 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 84% | 53 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.22% | 11.75% | 13.15% | 15.47% | Beats 35% | 214 / 328 | |
| Total Risk-Based Capital Ratio | 13.15% | 12.63% | 14.15% | 16.46% | Beats 33% | 220 / 328 | |
| Equity / Assets | 8.68% | 9.15% | 10.33% | 12.01% | Beats 16% | 274 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 95.76% | 76.63% | 87.92% | 95.36% | 76th pctl | 76 / 323 | |
| Loans / Assets | 78.41% | 65.18% | 74.15% | 79.98% | 68th pctl | 104 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |