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The Washington Trust Company, of Westerly
Westerly, RI·FDIC Cert #23623·Charter: STATE·Est. 18000101.0·HC: WASHINGTON TRUST BCORP INC
Total Assets
$6.6B
Q4 2025
Return on Assets
0.80%
+0.06%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.63%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.80%+0.06
ROE
9.93%+0.64
Efficiency
65.63%-0.81
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
97.28%-0.57
Charge-offs
0.27%-0.09
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 | 0.6 | 0.6 | 0.6 | -0.4 | 0.7 | 0.8 | 0.7 | 0.8 |
| ROE | 9.4 | 9.3 | 9.2 | -5.3 | 9.6 | 9.8 | 9.3 | 9.9 |
| Efficiency | 69.1 | 69.0 | 69.3 | 101.8 | 70.4 | 68.5 | 66.4 | 65.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.6 | 0.4 | 0.4 | 0.5 | 0.3 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 0.1 | 0.4 | 0.3 |
| Loan/Deposit | 105.9 | 112.7 | 106.1 | 105.4 | 100.7 | 101.7 | 97.9 | 97.3 |
Balance Sheet
Total Assets$6.6B
Total Deposits$5.3B
Total Loans$5.1B
Total Equity$557.8M
Profitability
ROA0.80%
ROE9.93%
Efficiency Ratio65.63%
Net Income$53.7M
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate0.27%
Loan/Deposit97.28%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans