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The Washington Trust Company Of Westerly

IDRSSD: 816603
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #816603 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.7% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.46% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +2
66
Sub-score

Liquidity is stable: brokered 1.8%, loans/deposits 101.7%, cash 2.5% of assets.

Cash / Assets
2.46%
Loans / Deposits
101.72%
Brokered %
1.76%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.46% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.22%
No watch items at this period.

Capitalization

StableQoQ 0
73
Sub-score

Capital position is stable: Tier 1 RBC 12.07%, CET1 12.07%, leverage 8.50%.

Tier 1 RBC
12.07%
CET1
12.07%
Leverage
8.50%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 4.2%, NCO YTD 0.05%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.05%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -8
67
Sub-score

Reserves are stable: ALLL 0.79% of loans, coverage 157.2%, true coverage 126.1%.

ALLL / Loans
0.79%
Coverage
157.2%
True Loss Coverage
126.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:29:18 UTC