Visbanking Logo
Skip to main content

Washington Trust Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #58971 2024-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (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 Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    ↑ +5
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.3%, cash 4.8% of assets.

Cash / Assets
4.78%
Loans / Deposits
78.32%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +5
73
Sub-score

Securities profile is stable: securities 28.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.99%
No watch items at this period.

Capitalization

StableQoQ -2
69
Sub-score

Capital position is stable: Tier 1 RBC 11.57%, CET1 11.57%, leverage 8.61%.

Tier 1 RBC
11.57%
CET1
11.57%
Leverage
8.61%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.50%, Texas Ratio 3.1%, NCO YTD 0.03%.

Adjusted NPL
0.50%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.03%
30-89 PD
0.07%
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 2.24% of loans, coverage 456.1%, true coverage 456.1%.

ALLL / Loans
2.24%
Coverage
456.1%
True Loss Coverage
456.1%
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: 2026-05-14 13:56:04 UTC