Washington Trust Bancorp, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Westerly, RI. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $58 million and a profit of $52 million (its filed statements).
Lending businessState Commercial BanksWesterly, RIfilings since 19949 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.3 out of ten, 9 of 9 metrics filed: past 4.5 out of ten, present 3.9 out of ten, future 4.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 4.9 out of ten. 1 warning event since 2017; the latest 2018-12-21. 49th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 1.2 out of ten. +10.1% a year over 10 filed years; profitable in 9 of 10. 12th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 6.2 out of ten. Share count grew 3.5% a year. 81% of cash flow returned. Insiders: 2 sales, 4 purchases. 62nd percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 2.5 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar. 25th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 4.1 out of ten. bottom 41% of 155 in its family; net margin 16.4%. 41st percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 6.2 out of ten. top 38% of 150 in its family for leadership; chief executive since 2018. 62nd percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 4.2 out of ten. bottom 42% of 142 in its family for room to expand. 42nd percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.1 out of ten. bottom 31% of 152 in its family for growth drivers. 31st percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 6.2 out of ten. top 38% of 150 in its family for expectations against reality. 62nd percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-24 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-20 (on EDGAR). Newest filing: Form EFFECT, 2026-08-14. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Handy, Edward O. III (Chairman and CEO); Gim, Mark K W (President and COO); Noons, Mary E. (President and COO); Ohsberg, Ronald S. (SEVP, CFO and Treasurer); Brown, James Cannon (SEVP, Chief Comm'l Banking Off); Ryan, Kathleen A (EVP and Chief Wealth Mgmt); Wray, William K. Sr. (SEVP and Chief Risk Officer); Kile, Michelle L (EVP and Chief Retail Banking); Lora, Rolando A (EVP Ch Ret Len Off Dir Com Len); Algiere, Dennis L (EVP Ch Comp Off/Dir Com Affair); and 11 more. 21 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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