Total Assets
$10.7B
Total balance-sheet footings
FDIC Cert #1281 · Spokane, Washington · Est. 1902
Washington Trust Bank - FDIC Bank Health Profile
A community-scale look at Washington Trust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $10.7B
- Total assets
- B
- Health grade · Good
- 0.89%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Washington Trust Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.68% Tier 1, 0.89% ROA, 72% efficiency ratio.
- #150
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 11.68%
- Tier 1 ratio - above the 10% well-capitalized line
- 35th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Washington Trust Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Washington Trust Bank's composite health score
Tier 1 Capital Ratio (11.68%) 28/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (4.82%) 20/20
Efficiency Ratio (71.60%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$8.9B
Customer-funded liabilities
Net Loans
$7.2B
Outstanding loan book
Net Income
$95M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Washington Trust Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Washington Trust Bank's score of 66/100 falls in the highlighted band.
Washington Trust Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Washington Trust Bank's $10.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.68%
Texas Ratio
4.82%
Equity Capital
$967M
Profitability metrics
Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
10.16%
Efficiency Ratio
71.60%
What the numbers say about Washington Trust Bank
Washington Trust Bank is an FDIC-insured institution (Certificate #1281) headquartered in Spokane, Washington, established in 1902. It holds $10.7B in total assets - 150th of 4,313 FDIC-insured banks, $8.9B in customer deposits, and $7.2B in net loans. Capital-wise, the Tier 1 ratio sits at 11.68%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.82%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Washington Trust Bank sits in the top decile of all FDIC-insured institutions by asset size (150th of 4,313), and within Washington it ranks 3rd of 30 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Heritage Bank, at $7.0B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$498M
Interest Income
$67M
Non-Interest Income
$303M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Washington Trust Bank reports a Texas Ratio of 4.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Washington by total assets
National size peers: banks closest to Washington Trust Bank by assets
Measured strictly by total assets rather than geography, Washington Trust Bank's closest national peers include Stellar Bank, EagleBank, Charles Schwab Trust Bank, Columbia Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Washington. Averaged across this asset-matched cohort, return on assets runs 0.59% (Washington Trust Bank is above that at 0.89%), the efficiency ratio averages 47.11% (Washington Trust Bank runs higher at 71.60%), and Tier 1 capital averages 23.64% (Washington Trust Bank holds less at 11.68%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $10.7B in assets, Washington Trust Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Washington Trust Bank (this bank) | WA | $10.7B | 0.89% | 71.60% | 11.68% |
| Stellar Bank | TX | $10.8B | 1.07% | 59.50% | 13.83% |
| EagleBank | MD | $10.4B | -1.20% | 63.82% | 13.35% |
| Charles Schwab Trust Bank | TX | $10.4B | 1.97% | 27.05% | 85.96% |
| Columbia Bank | NJ | $11.0B | 0.48% | 69.77% | 13.20% |
| Bank Hapoalim B.M. | NY | $10.2B | 0.00% | 0.00% | 0.00% |
| LendingClub Bank, National Association | UT | $11.5B | 1.22% | 62.52% | 15.47% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Washington Trust Bank (FDIC Cert #1281) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Washington
All Washington banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WaFd BankSeattle | $27.3B | B | 0.91% |
| Banner BankWalla Walla | $16.3B | A | 1.24% |
| Heritage BankOlympia | $7.0B | A | 1.07% |
| Coastal Community BankEverett | $4.7B | A | 1.11% |
| 1st Security Bank of WashingtonMountlake Terrace | $3.2B | A | 1.14% |
| Peoples BankBellingham | $2.5B | B | 1.00% |
| Cashmere Valley BankCashmere | $2.3B | A | 1.33% |
| First Fed BankPort Angeles | $2.1B | C | -0.10% |
Frequently asked questions
What is Washington Trust Bank's health grade?▼
Washington Trust Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Washington Trust Bank?▼
Washington Trust Bank holds $10.7B in total assets and $8.9B in deposits, ranking 150th of 4,313 FDIC-insured banks by asset size. It is headquartered in Spokane, Washington.
Is my money safe at Washington Trust Bank?▼
Yes, deposits at Washington Trust Bank (Certificate #1281) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Washington Trust Bank's Tier 1 Capital Ratio?▼
Washington Trust Bank has a Tier 1 Capital Ratio of 11.68%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Washington Trust Bank?▼
Washington Trust Bank has a Texas Ratio of 4.82%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Washington Trust Bank?▼
Washington Trust Bank has an Efficiency Ratio of 71.60%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Washington Trust Bank's profile as a depositor or analyst.
- Washington Trust Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Washington Trust Bank against other Washington banks before moving funds. Washington banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.