BlastPoint's Banking Scorecard
Washington Trust Bank
Spokane, WA
45 branches across WA · ID · OR
Washington Trust Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.73% above tier average
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 11.8% in tier
- - Flatlined Growth: Bottom 33.3% in tier
- - ROA 0.07% below tier average
- - Efficiency Ratio 11.86% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.7B
-0.0% YoY
+0.2% QoQ
|
-$36.7B |
$47.4B
-2.0% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.0% YoY
|
Bottom 3.7% in tier |
| Total Loans ? |
$7.2B
+3.6% YoY
-0.6% QoQ
|
-$22.5B |
$29.6B
-0.4% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.7% YoY
|
Bottom 7.4% in tier |
| Total Deposits ? |
$8.9B
+1.7% YoY
-0.9% QoQ
|
-$29.9B |
$38.7B
-1.6% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.0% YoY
|
Bottom 4.4% in tier |
| Return on Assets ? |
1.22%
+89.1% YoY
+36.7% QoQ
|
-0.07% |
1.28%
+19.3% YoY
|
0.33%
-42.8% YoY
|
1.24%
+13.1% YoY
|
52% |
| Net Interest Margin ? |
3.79%
+20.9% YoY
+8.2% QoQ
|
+0.02% |
3.77%
+5.6% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
65.76%
-11.7% YoY
-8.2% QoQ
|
+11.86% |
53.90%
-4.0% YoY
|
71.09%
-8.1% YoY
|
66.84%
-3.8% YoY
|
19% |
| Delinquency Rate ? |
0.73%
-30.6% YoY
-3.1% QoQ
|
-0.29% |
1.02%
-4.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
80.81%
+1.9% YoY
+0.4% QoQ
|
-0.08% |
80.88%
+2.0% YoY
|
81.10%
-2.4% YoY
|
76.69%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
36.55%
+1.7% YoY
+0.8% QoQ
|
+16.73% |
19.82%
+0.3% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.1% YoY
|
Top 0.7% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-27.4% YoY
-3.8% QoQ
|
-0.23% |
0.73%
+4.0% YoY
|
0.95%
+54.5% YoY
|
0.66%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
11.97%
+2.9% YoY
+2.5% QoQ
|
-3.59% |
15.56%
-0.1% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.18%
+13.1% YoY
-70.9% QoQ
|
-0.04% |
0.23%
+0.9% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.0% YoY
|
58% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.