BlastPoint's Banking Scorecard
Washington Trust Bank
Mid-Market
Specialty: Commercial
WA
FDIC cert 1281
Spokane, WA
201
banks in Mid-Market tier nationally
3 in WA
View Mid-Market leaderboard (WA) →
Washington Trust Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.61% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 28% in Mid-Market
- - Capital Thin: Bottom 44% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.7B
-0.4% YoY
+0.5% QoQ
|
+$226.2M |
$10.5B
+2.9% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$7.2B
+6.9% YoY
-1.0% QoQ
|
+$71.9M |
$7.1B
+4.5% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$8.9B
+1.4% YoY
+0.8% QoQ
|
+$407.2M |
$8.5B
+3.0% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.89%
+71.0% YoY
+10.5% QoQ
|
-0.27% |
1.16%
+9.4% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.50%
+31.2% YoY
+3.7% QoQ
|
+0.11% |
3.40%
+7.9% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
71.60%
-9.6% YoY
-1.9% QoQ
|
+15.00% |
56.60%
-3.2% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.75%
-32.8% YoY
-0.3% QoQ
|
+0.07% |
0.68%
+12.0% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
80.51%
+5.4% YoY
-1.9% QoQ
|
-4.96% |
85.47%
+1.1% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
36.25%
-1.2% YoY
+1.5% QoQ
|
+15.61% |
20.64%
-0.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.51%
-27.2% YoY
-2.0% QoQ
|
+0.01% |
0.50%
+7.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
11.68%
-0.8% YoY
+1.2% QoQ
|
-1.87% |
13.55%
+1.8% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.62%
+3.3% YoY
+32.7% QoQ
|
-0.33% |
0.96%
+7.1% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Mid-Market
Why this stands out
Current:
36.25%
(Tier avg: 20.64%, National avg: 21.79%)
Concerns (2)
Flatlined Growth
risk
#13 of 44 · Bottom 28% in Mid-Market
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:
0.89%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Thin
risk
#23 of 51 · Bottom 44% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.68%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 36.25% · Tier avg: 20.64%
69
69th pctile
Total Deposits
Current: $8.9B · Tier avg: $8.5B
69
69th pctile
Total Assets
Current: $10.7B · Tier avg: $10.5B
67
67th pctile
Loan-to-Deposit Ratio
Current: 80.51% · Tier avg: 85.47%
66
66th pctile
Total Loans
Current: $7.2B · Tier avg: $7.1B
51
51th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.40%
42
42th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.96%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.68%
27
27th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
24
24th pctile
Tier 1 Capital Ratio
Current: 11.68% · Tier avg: 13.55%
14
14th pctile
Efficiency Ratio
Current: 71.60% · Tier avg: 56.60%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 71.60% · Tier avg: 56.60%
24
24th pctile
Tier 1 Capital Ratio
Current: 11.68% · Tier avg: 13.55%
27
27th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
38
38th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.68%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
42
42th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.96%
51
51th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.40%
66
66th pctile
Total Loans
Current: $7.2B · Tier avg: $7.1B
67
67th pctile
Loan-to-Deposit Ratio
Current: 80.51% · Tier avg: 85.47%
69
69th pctile
Total Assets
Current: $10.7B · Tier avg: $10.5B
69
69th pctile
Total Deposits
Current: $8.9B · Tier avg: $8.5B
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 36.25% · Tier avg: 20.64%