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Washington Trust Bank
Spokane, WA·FDIC Cert #1281·Charter: STATE·Est. 19021103.0·HC: W T B FINANCIAL CORP
Total Assets
$10.7B
Q4 2025
Return on Assets
0.89%
+0.08%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.60%
Peer avg: 55.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.89%+0.08
ROE
10.16%+0.88
Efficiency
71.60%-1.35
Equity/Assets
0.00%+0.00
NPL Ratio
0.75%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.51%-1.52
Charge-offs
0.14%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.4 | 0.4 | 0.5 | 0.6 | 0.7 | 0.8 | 0.9 |
| ROE | 5.4 | 5.5 | 5.5 | 6.5 | 7.6 | 8.1 | 9.3 | 10.2 |
| Efficiency | 79.7 | 83.9 | 81.7 | 79.2 | 74.4 | 72.2 | 73.0 | 71.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.5 | 1.1 | 1.0 | 1.0 | 0.8 | 0.8 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | 0.2 | 0.1 |
| Loan/Deposit | 80.6 | 82.9 | 78.3 | 76.4 | 79.3 | 82.5 | 82.0 | 80.5 |
Balance Sheet
Total Assets$10.7B
Total Deposits$8.9B
Total Loans$7.2B
Total Equity$967.3M
Profitability
ROA0.89%
ROE10.16%
Efficiency Ratio71.60%
Net Income$95.1M
Risk & Asset Quality
NPL Ratio0.75%
Charge-off Rate0.14%
Loan/Deposit80.51%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans