BlastPoint's Banking Scorecard

The Washington Trust Company, of Westerly

$1B-$10B Specialty: Commercial RI FDIC cert 23623

Designations: ✓ Community bank

Westerly, RI

30 branches across RI · CT

884 banks in the $1B-$10B peer group nationally 3 in RI

The Washington Trust Company, of Westerly has 1 strength 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

+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 10.0% in tier
- Liquidity Strain: Bottom 10.2% in tier
- Net Interest Margin 1.13% below tier average
- ROA 0.57% below tier average
- Efficiency Ratio 3.22% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Total Assets ?	$6.5B -1.9% YoY -2.5% QoQ	+$3.6B	$2.8B -0.1% YoY	$48.0B +3.2% YoY	$6.2B +9.1% YoY	Top 9.3% in tier
Total Loans ?	$5.0B -1.4% YoY -2.5% QoQ	+$3.0B	$2.0B +0.6% YoY	$30.8B +3.6% YoY	$3.2B +10.8% YoY	Top 6.4% in tier
Total Deposits ?	$5.2B +2.5% YoY -2.0% QoQ	+$2.8B	$2.3B -0.3% YoY	$39.4B +3.1% YoY	$4.8B +8.2% YoY	Top 10.2% in tier
Return on Assets ?	0.80% +6.9% YoY -0.2% QoQ	-0.57%	1.37% +19.6% YoY	0.68% -17.0% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	2.69% +14.3% YoY +8.3% QoQ	-1.13%	3.82% +6.9% YoY	3.29% +0.8% YoY	3.89% +5.7% YoY	Bottom 7.9% in tier
Efficiency Ratio ?	64.28% -8.7% YoY -2.0% QoQ	+3.22%	61.06% -4.6% YoY	70.02% -1.7% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	0.81% +89.5% YoY +220.4% QoQ	-0.08%	0.89% +14.1% YoY	1.32% +48.5% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	96.81% -3.8% YoY -0.5% QoQ	+12.61%	84.20% +0.3% YoY	96.02% +0.4% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	11.44% -8.2% YoY +0.4% QoQ	-9.85%	21.29% -2.5% YoY	13.45% -5.6% YoY	22.01% -1.2% YoY	15%
Nonperforming Asset Ratio ?	0.63% +90.5% YoY +220.5% QoQ	-0.05%	0.67% +15.6% YoY	1.03% +53.4% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	12.31% +1.6% YoY +2.7% QoQ	-2.85%	15.16% +2.0% YoY	12.63% -1.2% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.27% -22.1% YoY -76.6% QoQ	+0.01%	0.26% +1.6% YoY	0.18% -25.2% YoY	0.32% +4.1% YoY	83%

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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)

Flatlined Growth

risk

#16 of 150 • Bottom 10.0% 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: 0.80%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 banks QoQ

Liquidity Strain

risk

#35 of 334 • Bottom 10.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.81%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Total Loans

size

Value: $5.01B

Peer Median: $1.96B

#58 of 884 Top 6.4% in $1B-$10B

Total Assets

size

Value: $6.46B

Peer Median: $2.82B

#83 of 884 Top 9.3% in $1B-$10B

Total Deposits

size

Value: $5.17B

Peer Median: $2.34B

#91 of 884 Top 10.2% in $1B-$10B

153

Non-Interest Income / Assets

revenue_mix

Value: 0.27%

Peer Median: 0.26%

#153 of 884 Top 17.2% in $1B-$10B

Top Weaknesses (4 metrics)

815

Net Interest Margin

profitability

Value: 2.69%

Peer Median: 3.82%

#815 of 884 Bottom 7.9% in $1B-$10B

748

Non-Interest-Bearing Deposit Share

funding

Value: 11.44%

Peer Median: 21.29%

#748 of 884 Bottom 15.5% in $1B-$10B

706

Loan-to-Deposit Ratio

liquidity

Value: 96.81%

Peer Median: 84.20%

#706 of 884 Bottom 20.2% in $1B-$10B

703

Return on Assets

profitability

Value: 0.80%

Peer Median: 1.37%

#703 of 884 Bottom 20.6% in $1B-$10B