BlastPoint's Banking Scorecard
The Washington Trust Company, of Westerly
Mid-Market
Specialty: Commercial
RI
FDIC cert 23623
Designations: ✓ Community bank
Westerly, RI
201
banks in Mid-Market tier nationally
1 in RI
View Mid-Market leaderboard (RI) →
The Washington Trust Company, of Westerly faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.6B
-4.5% YoY
-1.4% QoQ
|
-$3.8B |
$10.5B
+2.9% YoY
|
$39.8B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$5.1B
-4.9% YoY
+0.3% QoQ
|
-$2.0B |
$7.1B
+4.5% YoY
|
$25.4B
+2.6% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$5.3B
+3.0% YoY
+0.9% QoQ
|
-$3.3B |
$8.5B
+3.0% YoY
|
$32.8B
+4.6% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.80%
+316.6% YoY
+8.2% QoQ
|
-0.36% |
1.16%
+9.4% YoY
|
-0.23%
-142.5% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.48%
+26.3% YoY
+2.5% QoQ
|
-0.91% |
3.40%
+7.9% YoY
|
3.51%
-0.9% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
65.63%
-35.5% YoY
-1.2% QoQ
|
+9.02% |
56.60%
-3.2% YoY
|
68.93%
-10.6% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.25%
-41.6% YoY
-8.0% QoQ
|
-0.43% |
0.68%
+12.0% YoY
|
1.19%
+36.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
97.28%
-7.7% YoY
-0.6% QoQ
|
+11.81% |
85.47%
+1.1% YoY
|
94.86%
-2.1% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
11.40%
-12.5% YoY
-12.1% QoQ
|
-9.24% |
20.64%
-0.3% YoY
|
13.51%
-4.5% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.20%
-41.9% YoY
-6.4% QoQ
|
-0.30% |
0.50%
+7.3% YoY
|
0.78%
+39.6% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
11.98%
+3.8% YoY
+0.4% QoQ
|
-1.57% |
13.55%
+1.8% YoY
|
8.47%
+2.0% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
1.14%
+34.2% QoQ
|
+0.19% |
0.96%
+7.1% YoY
|
0.90%
-13.4% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#7 of 80 · Bottom 8% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.28%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 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
83
83th pctile
Loan-to-Deposit Ratio
Current: 97.28% · Tier avg: 85.47%
83
83th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.96%
79
79th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
40
40th pctile
Total Loans
Current: $5.1B · Tier avg: $7.1B
32
32th pctile
Tier 1 Capital Ratio
Current: 11.98% · Tier avg: 13.55%
27
27th pctile
Total Assets
Current: $6.6B · Tier avg: $10.5B
26
26th pctile
Total Deposits
Current: $5.3B · Tier avg: $8.5B
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
22
22th pctile
Efficiency Ratio
Current: 65.63% · Tier avg: 56.60%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 11.40% · Tier avg: 20.64%
16
16th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.40%
Top Weaknesses
16
16th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.40%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 11.40% · Tier avg: 20.64%
22
22th pctile
Efficiency Ratio
Current: 65.63% · Tier avg: 56.60%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
26
26th pctile
Total Deposits
Current: $5.3B · Tier avg: $8.5B
27
27th pctile
Total Assets
Current: $6.6B · Tier avg: $10.5B
32
32th pctile
Tier 1 Capital Ratio
Current: 11.98% · Tier avg: 13.55%
40
40th pctile
Total Loans
Current: $5.1B · Tier avg: $7.1B
78
78th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
83
83th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.96%
83
83th pctile
Loan-to-Deposit Ratio
Current: 97.28% · Tier avg: 85.47%