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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 1281 · WA B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3321/4307
  • PHOTO-FINISH The Bank of Commerce · LA
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 4.8% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: The Bank of Commerce, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Washington Trust Bank

Lowest and highest poles plus nearest scored peers outside Washington, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Farmers & Merc… · MN ·…66/100Northwoods Bank of M… · MN ·…66/100The Bank of Commerce · LA · …66/100Twin Cedars Bank · IA · near66/100Washington Trust Bank · WA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Washington Trust Bank · July 2026

Call Report read for Washington Trust Bank in a high-failure state

Washington Trust Bank (FDIC Cert #1281) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,321 of 4,307. Tier 1 capital prints at 11.68%, clearing the 10% well-capitalized line. The Texas Ratio is 4.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.89%. Balance-sheet scale is $10.7B, 150th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Bank of Commerce (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Washington Trust Bank

19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus

Washington Trust Bank sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Washington Trust Bank's current Call Report.

  • HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
  • WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
  • BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Washington banks.

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.

0/100100/100National avg77/10066/100
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 Assets

$10.7B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.28% 11.68% 13.08%
Basel III capital ratios - Washington Trust Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 23rd percentile higher than 23% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Washington Trust Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Washington Trust Bank

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

What these ratios mean →

Profitability metrics: Washington Trust Bank

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
10.16%
Efficiency Ratio
71.60%

What these mean →

Income & expense at Washington Trust Bank

$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.

FDIC Failed Bank List → View Washington Trust Bank on FDIC BankFind →

Top banks in Washington by total assets

Largest banks headquartered in Washington
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  4. 4
    Heritage Bank $7.0B

    Olympia, WA · Grade A

  5. 5
    Coastal Community Bank $4.7B

    Everett, WA · Grade A

Top 5 banks in Washington ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Washington Trust Bank nationally by total assets
  1. 1
    Stellar Bank $10.8B

    Houston, TX · Grade A

  2. 2
    EagleBank $10.4B

    Bethesda, MD · Grade C

  3. 3
    Charles Schwab Trust Bank $10.4B

    Westlake, TX · Grade A

  4. 4
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

  5. 5
    Bank Hapoalim B.M. $10.2B

    New York, NY · Grade F

  6. 6
    LendingClub Bank $11.5B

    Lehi, UT · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($10.7B here), outside Washington so the neighborhood is not state containment.

Stellar Bank $10.8B · TX EagleBank $10.4B · MD Charles Schwab Trust Bank $10.4B · TX Columbia Bank $11.0B · NJ

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.

Washington Trust Bank Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Washington

All Washington banks →
BankAssetsGradeROA
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%