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Dec 31, 2025
Washington Trust Q4 2025 Earnings Report
Washington Trust reported a solid fourth quarter with a notable increase in net income driven by improved interest margin and asset quality.
Key Takeaways
Washington Trust ended Q4 2025 with net income of $16.0 million and EPS of $0.83, supported by higher net interest income, growth in wealth management, and improved credit quality.
Net income reached $16.0 million, a significant increase from Q3.
Diluted EPS was $0.83; adjusted EPS was also $0.83.
Net interest income rose to $40.7 million with a margin of 2.56%.
Credit quality improved, with nonaccrual loans falling to 0.25% of total loans.
Revenue by Segment
Forward Guidance
Washington Trust enters 2026 with strategic momentum, investing in institutional banking and wealth management. Management expects a 22% tax rate and maintains strong capital positions.
Positive Outlook
- New institutional banking team to support commercial growth.
- Expanded wealth management enhances long-term client strategy.
- In-market deposits grew 9% YoY.
- Stable loan balances with improved credit quality.
- Capital ratios remain strong and above regulatory thresholds.
Challenges Ahead
- Net interest margin improvement may plateau with rate stability.
- Mortgage banking revenue showed volatility due to fair value changes.
- Noninterest expenses rose due to compensation and charitable contributions.
- Loan growth was modest, with a decline in residential loan balances.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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