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Washington Trust Bank

IDRSSD: 58971
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2023-Q4QoQ +2

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

Quarterly Headline

2023-Q4

Bank #58971 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↑ +1
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.2%, cash 10.0% of assets.

Cash / Assets
10.01%
Loans / Deposits
78.15%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +1
71
Sub-score

Securities profile is stable: securities 28.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.62%
No watch items at this period.

Capitalization

StableQoQ +3
74
Sub-score

Capital position is stable: Tier 1 RBC 11.88%, CET1 11.88%, leverage 8.03%.

Tier 1 RBC
11.88%
CET1
11.88%
Leverage
8.03%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 3.0%, NCO YTD 0.04%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.04%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.25% of loans, coverage 464.4%, true coverage 464.4%.

ALLL / Loans
2.25%
Coverage
464.4%
True Loss Coverage
464.4%
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: 2026-05-14 13:56:04 UTC