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

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	8-Qtr Trend
Earnings
Return on Assets	0.90%	0.91%	1.22%	1.52%	Beats 24%	250 / 328	n/a
Return on Equity	10.33%	8.43%	11.45%	14.43%	Beats 39%	200 / 328	n/a
Net Interest Margin	2.56%	3.03%	3.45%	3.83%	Beats 6%	307 / 328	n/a
Efficiency Ratio	63.88%	51.61%	59.56%	67.53%	Beats 36%	210 / 328	n/a
Asset Quality
Nonperforming Loans / Loans	0.78%	0.24%	0.51%	1.03%	Beats 35%	209 / 322	n/a
Net Charge-Offs / Loans	0.00%	0.01%	0.03%	0.10%	Beats 84%	53 / 322	n/a
Capital
Tier 1 Capital Ratio	12.22%	11.75%	13.15%	15.47%	Beats 35%	214 / 328	n/a
Total Risk-Based Capital Ratio	13.15%	12.63%	14.15%	16.46%	Beats 33%	220 / 328	n/a
Equity / Assets	8.68%	9.15%	10.33%	12.01%	Beats 16%	274 / 328	n/a
Liquidity & Funding
Loans / Deposits	95.76%	76.63%	87.92%	95.36%	76th pctl	76 / 323	n/a
Loans / Assets	78.41%	65.18%	74.15%	79.98%	68th pctl	104 / 328	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution