BlastPoint's Banking Scorecard

Washington Trust Bank

$10B-$250B Specialty: Commercial WA FDIC cert 1281

Spokane, WA

45 branches across WA · ID · OR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in WA.
Deposits +1.7% year over year ($8.8B on the books).
Delinquency rate 0.74%.
Return on assets 1.19%.
Efficiency ratio 66.67% vs a 53.67% peer average.
Loan-to-deposit ratio 82.89% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in WA

View $10B-$250B leaderboard (WA) →

Washington Trust Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 16.29% above tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 8.6% in tier
- Flatlined Growth: Bottom 15.4% in tier
- ROA 0.20% below tier average
- Net Interest Margin 0.08% below tier average
- Efficiency Ratio 13.00% above tier average

Get updates when Washington Trust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$10.5B -1.3% YoY -1.5% QoQ	-$33.1B	$43.6B -13.8% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	Bottom 5.8% in tier
Total Loans ?	$7.3B +2.2% YoY +2.2% QoQ	-$20.6B	$28.0B -8.6% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	Bottom 9.4% in tier
Total Deposits ?	$8.8B +1.7% YoY -0.4% QoQ	-$26.6B	$35.4B -14.0% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	Bottom 6.5% in tier
Return on Assets ?	1.19% +71.4% YoY -2.5% QoQ	-0.20%	1.39% +25.9% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	3.84% +18.2% YoY +1.3% QoQ	-0.08%	3.92% +8.9% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	66.67% -7.6% YoY +1.4% QoQ	+13.00%	53.67% -1.9% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	Bottom 13.7% in tier
Delinquency Rate ?	0.74% -24.1% YoY +1.9% QoQ	-0.27%	1.01% -2.8% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	82.89% +0.5% YoY +2.6% QoQ	+0.27%	82.61% +3.1% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	36.87% +2.2% YoY +0.9% QoQ	+16.29%	20.58% +4.9% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	Top 1.4% in tier
Nonperforming Asset Ratio ?	0.52% -21.3% YoY +5.6% QoQ	-0.21%	0.73% +5.8% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	11.91% +3.1% YoY -0.4% QoQ	-3.44%	15.35% -0.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.35% +12.9% YoY +94.2% QoQ	-0.14%	0.50% +10.5% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Noninterest-Bearing	36.9% +0.8pp YoY +0.3pp QoQ	+15.8pp	21.0%	25.3%	22.2%	98%
Brokered Deposits	0.0%	-9.2pp	9.2%	8.9%	8.5%	1%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	19.9% -0.5pp YoY +0.1pp QoQ	+2.7pp	17.2%	10.5%	12.5%	69%
CRE	48.3% +1.0pp YoY +0.1pp QoQ	+6.3pp	42.0%	50.6%	41.4%	62%
1-4 Family	25.2% -0.2pp YoY -0.5pp QoQ	+2.1pp	23.1%	30.1%	31.3%	64%
Consumer	1.9% +0.1pp YoY +0.1pp QoQ	-11.0pp	12.9%	7.9%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	11.9% +0.4pp YoY -0.1pp QoQ	-3.4pp	15.3%	12.7%	19.7%	21%
Leverage Ratio	9.7% +0.6pp YoY +0.1pp QoQ	-0.7pp	10.4%	10.7%	12.6%	36%
Total Capital Ratio	13.2% +0.4pp YoY -0.1pp QoQ	-3.3pp	16.5%	13.8%	20.8%	20%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	1,242 +33 (+2.7%) YoY +7 (+0.6%) QoQ	-2,016	3,258	343	482	26%
Assets per Employee ($)	$8.5M -3.9% YoY -2.1% QoQ	-$18.5M	$27.0M	$8.5M	$8.8M	16%
Branch Count	45 +2 (+4.7%) YoY 0 QoQ	-93	137	24	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.4%	0.4%	1%
Nonaccrual	0.7% -0.2pp YoY 0.0pp QoQ	0.0pp	0.7%	2.6%	1.0%	58%
Allowance Coverage	2.86x +28.1% YoY -1.7% QoQ	0.00x	2.81x	4.50x	20.23x	76%
Net Charge-off Rate (YTD)	0.1% -0.4pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.4%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	12.8% +4.7pp YoY -0.5pp QoQ	+0.1pp	12.6%	-2.7%	11.6%	66%
Cost of Funds (YTD)	1.1% -0.4pp YoY 0.0pp QoQ	-0.9pp	2.0%	1.8%	1.7%	4%
Net Income ($, YTD)	$63.1M +70.4% YoY — QoQ	-$233.7M	$296.8M	$14.3M	$40.4M	12%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#4 of 35 • Bottom 8.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.91%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Flatlined Growth

risk

#5 of 26 • Bottom 15.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.19%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

26 of 26 Large banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 36.87%

Peer Median: 20.58%

#3 of 139 Top 1.4% in $10B-$250B

Top Weaknesses (5 metrics)

132

Total Assets

size

Value: $10.54B

Peer Median: $43.60B

#132 of 139 Bottom 5.8% in $10B-$250B

131

Total Deposits

size

Value: $8.83B

Peer Median: $35.42B

#131 of 139 Bottom 6.5% in $10B-$250B

127

Total Loans

size

Value: $7.32B

Peer Median: $27.97B

#127 of 139 Bottom 9.4% in $10B-$250B

121

Efficiency Ratio

profitability

Value: 66.67%

Peer Median: 53.67%

#121 of 139 Bottom 13.7% in $10B-$250B

113

Tier 1 Capital Ratio

capital

Value: 11.91%

Peer Median: 15.35%

#113 of 139 Bottom 19.4% in $10B-$250B