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Washington Trust Bank

IDRSSD: 58971
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
85
/ 100
StrongAs of 2025-Q2QoQ -2

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 #58971 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
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 Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↑ +3
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.5%, cash 4.5% of assets.

Cash / Assets
4.55%
Loans / Deposits
82.51%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +3
90
Sub-score

Securities profile is strong: securities 23.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.98%
No watch items at this period.

Capitalization

StableQoQ 0
71
Sub-score

Capital position is stable: Tier 1 RBC 11.55%, CET1 11.55%, leverage 9.15%.

Tier 1 RBC
11.55%
CET1
11.55%
Leverage
9.15%
No watch items at this period.

Asset Quality

StrongQoQ -5
90
Sub-score

Asset quality is strong: Adjusted NPL 0.98%, Texas Ratio 6.2%, NCO YTD 0.79%.

Adjusted NPL
0.98%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.79%
30-89 PD
0.20%
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 2.13% of loans, coverage 223.0%, true coverage 223.0%.

ALLL / Loans
2.13%
Coverage
223.0%
True Loss Coverage
223.0%
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