Washington Trust Q3 2026 profit rises 78.7%

For the nine months ended September 30, 2026, net income was $47.962 million, up 32.2% from 2025.

Rhea-AI Filing Summary

Washington Trust Bancorp (WASH) reported third-quarter 2026 net income of $19.4 million, up 21.3% from Q2 and 78.7% from Q3 2025; diluted earnings per share was $1.01, versus $0.83 and $0.56, respectively. Net interest income was $44.7 million, up 6.9% sequentially and 15.1% year over year, while net interest margin reached 2.84%, up 11 basis points from Q2.

At September 30, loans totaled $5.165 billion and deposits $5.436 billion; deposits rose $77.1 million from June 30 and $213.2 million year over year. Nonaccrual loans were $24.5 million, down from $39.8 million in Q2 but above $14.0 million a year earlier. A restructured $22.3 million commercial real estate office loan returned $18.5 million to accruing status and resulted in a $3.8 million charge-off.

The third-quarter provision for credit losses was $1.8 million, and net charge-offs were $3.9 million, versus $55,000 in Q2. The board declared a $0.56-per-share quarterly dividend, paid October 9, 2026, to shareholders of record October 1. Washington Trust expects a full-year 2026 effective tax rate of approximately 21.5%.

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Positive

• Moderate pointThird-quarter net income rose 78.7% year over year to $19.4 million.
• Moderate pointNet interest income increased 15.1% year over year to $44.7 million.

Negative

• Moderate pointNonaccrual loans rose 75.1% year over year to $24.5 million at September 30, 2026.

Filing Explained

Third-quarter results included a $954,000 non-taxable life-insurance gain and $283,000 of previously unrecognized second-quarter loan interest.

On October 19, 2026, Washington Trust reported unaudited third-quarter results; at September 30, 2026, shareholders’ equity was $530.8 million, down $22.8 million from June 30, 2026, and book value per share was $27.82 versus $29.02.

The company attributes the equity decline to a fall in accumulated other comprehensive income, reflecting lower fair value of available-for-sale debt securities as market interest rates changed, as well as quarterly dividend declarations. Quarterly net interest income included $283,000 of previously unrecognized second-quarter interest tied to the office-loan resolution, which added $0.01 per diluted share and 2 basis points to net interest margin; a $954,000 non-taxable gain from bank-owned life insurance added $0.05 per diluted share.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net income: $19.4 million Diluted earnings per share: $1.01 Net interest income: $44.7 million +4 more

7 metrics

Net income $19.4 million Third quarter 2026; up 78.7% from Q3 2025

Diluted earnings per share $1.01 Third quarter 2026; $0.56 in Q3 2025

Net interest income $44.7 million Third quarter 2026; up 15.1% from Q3 2025

Net interest margin 2.84% Third quarter 2026; up 11 basis points from Q2 2026

Total deposits $5.436 billion September 30, 2026; up $213.2 million year over year

Nonaccrual loans $24.5 million September 30, 2026; up 75.1% from September 30, 2025

Provision for credit losses $1.8 million Third quarter 2026

Key Terms

Net interest margin, Nonaccrual loans, Allowance for credit losses, Common equity tier 1 ratio, +1 more

5 terms

Net interest margin financial

"Net interest margin expanded to 2.84%, up by 11 basis points."

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Nonaccrual loans financial

"Nonaccrual loans were $24.5 million, or 0.48% of total loans"

Nonaccrual loans are loans a lender has stopped counting toward interest income because the borrower is overdue or unlikely to pay; the lender only records cash payments received and may set aside extra funds to cover potential losses. For investors, a rising number or amount of nonaccrual loans signals weaker credit quality, lower future interest revenue and larger potential write-downs — similar to pausing expected subscription income when many customers stop paying.

Allowance for credit losses financial

"The allowance for credit losses ("ACL") on loans amounted to $40.5 million"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Common equity tier 1 ratio financial

"common equity tier 1 ratio of 11.93%"

The common equity tier 1 ratio is a measure of a bank's financial strength, showing how much high-quality core capital it has compared to its total risk-weighted assets. Think of it as a safety buffer or cushion that helps ensure the bank can withstand economic shocks. For investors, a higher ratio indicates a stronger, more resilient bank, making it a key indicator of its financial health.

Accumulated other comprehensive income financial

"the accumulated other comprehensive income ("AOCI") component of shareholders’ equity"

Accumulated other comprehensive income is a running total on a company’s balance sheet that records certain gains and losses not included in reported profit, such as unrealized gains or losses on some investments, currency translation differences, and pension plan adjustments. Think of it like items in a shopping cart you haven’t paid for yet: it doesn’t affect current profit but changes the company’s overall equity and signals potential future swings in value that investors should watch.

Earnings Snapshot

Net income: $19.4 million · Guidance included

Third quarter 2026

Net income $19.4 million Up 21.3% from Q2 2026 and 78.7% from Q3 2025.

Diluted earnings per share $1.01 Up $0.18 from Q2 2026 and $0.45 from Q3 2025.

Net interest income $44.7 million Up 6.9% from Q2 2026 and 15.1% from Q3 2025.

Net interest margin 2.84% Up 11 basis points from Q2 2026 and 44 basis points from Q3 2025.

Guidance

Washington Trust expects its full-year 2026 effective tax rate to be approximately 21.5%.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were WASH’s third-quarter 2026 earnings?

Washington Trust Bancorp reported $19.4 million in net income and diluted earnings per share of $1.01. Net income was up 21.3% from Q2 2026 and 78.7% from Q3 2025.

What happened to WASH’s commercial real estate office loan?

A $22.3 million commercial real estate office loan, previously placed on nonaccrual status in the first quarter of 2026, was restructured and bifurcated in Q3. Of that amount, $18.5 million returned to accruing status and $3.8 million was charged off.

What dividend did WASH declare for the third quarter of 2026?

Washington Trust declared a quarterly dividend of $0.56 per share. It was paid October 9, 2026, to shareholders of record October 1, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/19/2026 - 04:12 PM EDT Accepted by SEC EDGAR 10/19/2026 - 04:12 PM EDT Learn about SEC filing dates

0000737468FALSE00007374682026-10-192026-10-19

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 19, 2026

WASHINGTON TRUST BANCORP, INC.

(Exact Name of Registrant as Specified in Charter)

Rhode Island

001-32991

05-0404671

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

23 Broad Street
Westerly,			Rhode Island			02891
(Address of principal executive offices)						(Zip Code)

(401)			348-1200
(Registrant's telephone number, including area code)

N/A

(Former name or address, if changed from last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each class			Trading Symbol(s)			Name of each exchange on which registered
COMMON STOCK, $.0625 PAR VALUE PER SHARE			WASH			Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition
period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the
Exchange Act.			☐

Item 2.02 Results of Operations and Financial Condition.

On October 19, 2026, Washington Trust Bancorp, Inc. issued a press release in which it disclosed unaudited financial information related to third quarter 2026 consolidated earnings. A copy of the press release relating to such announcement, dated October 19, 2026, is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Pursuant to General Instructions B.2 of Form 8-K, this information shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01 Financial Statements and Exhibits.

(d)

Exhibits.

Exhibit No.

Exhibit

99.1

Press release dated October 19, 2026*

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

*Furnished herewith

SIGNATURES

    Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

WASHINGTON TRUST BANCORP, INC.

Date:

October 19, 2026

By:

/s/ Ronald S. Ohsberg

Ronald S. Ohsberg

Senior Executive Vice President, Chief Financial Officer and Treasurer

Exhibit 99.1

NASDAQ: WASH

Media Contact: Kathleen Hart

VP, Public Relations Manager

Telephone: (401) 348-1495

E-mail: kahart@washtrust.com

Date: October 19, 2026

FOR IMMEDIATE RELEASE

Washington Trust Reports Third Quarter 2026 Results

WESTERLY, R.I., October 19, 2026 (PR NEWSWIRE)…Washington Trust Bancorp, Inc. (Nasdaq: WASH; “Washington Trust” or the “Corporation”), today reported third quarter 2026 net income of $19.4 million, up by $3.4 million, or 21%, from the preceding quarter. Diluted earnings per share was $1.01 for the third quarter of 2026, up by $0.18 from the preceding quarter. Compared to the third quarter of 2025, net income was up by $8.5 million, or $0.45 per diluted share.

“We delivered another strong quarter marked by growth in earnings and net interest income, continued margin expansion and improved operating efficiency,” said Washington Trust Chairman and Chief Executive Officer Edward O. “Ned” Handy III. “By combining personalized service and trusted advice with the capabilities of a regional bank, we are able to provide customers with a level of service, expertise and convenience that stands apart from other community banks our size. We continue to focus on leveraging these strengths to support prudent growth and deliver long-term value for our shareholders.”

THIRD QUARTER HIGHLIGHTS (Q3 2026 vs. Q2 2026, unless otherwise noted):

•Profitability metrics improved with returns on average equity and average assets of 13.89% and 1.17%, compared to 11.61% and 0.99%, respectively.

•Net interest margin ("NIM") expanded to 2.84%, up by 11 basis points.

•Asset quality metrics improved, reflecting the resolution of a commercial real estate office loan.

•The provision for credit losses was $1.8 million for the third quarter.

•Total noninterest income was up by 9%.

•Total noninterest expenses increased modestly by 0.5%.

•Loan balances were up by $61.8 million from June 30, 2026.

•Deposits reached an all-time high of $5.4 billion and were up by $77.1 million from June 30, 2026.

•Capital ratios remained strong, with a common equity tier 1 ratio of 11.93% at September 30, 2026.

-1-

Washington Trust

October 19, 2026

RESULTS OF OPERATIONS (Q3 2026 vs. Q2 2026, unless otherwise noted):

Net Interest Income

Net interest income was up by $2.9 million, or 7%, and NIM was up by 11 basis points. Compared to the third quarter of 2025, net interest income was up by $5.9 million, or 15%, and NIM was up by 44 basis points.

•Net interest income for the third quarter of 2026 amounted to $44.7 million and included the receipt of previously unrecognized second quarter interest income of $283 thousand (equivalent to $0.01 per diluted share or a 2 basis points benefit to NIM) associated with the resolution of a commercial real estate office loan that returned to accruing status in the third quarter.

•Average interest-earning assets increased by $104 million, and the yield was up by 7 basis points.

•Average interest-bearing liabilities increased by $52 million, and the rate was down by 3 basis points.

Noninterest Income

Noninterest income was up by $1.6 million, or 9%. Compared to the third quarter of 2025, noninterest income was up by $2.6 million, or 15%.

•Wealth management revenues decreased by $112 thousand, or 1%, as increased asset-based revenues were offset by a seasonal decline in tax servicing fee income. Compared to the third quarter of 2025, wealth management revenues increased by $716 thousand, or 7%.

•Mortgage banking revenues were down by $318 thousand, or 9%, reflecting a decrease in the mortgage pipeline and rising market interest rates. Compared to the third quarter of 2025, mortgage banking revenues were down by 10%.

•Loan related derivative income totaled $1.5 million, up by $924 thousand, driven by increased commercial borrower demand for interest rate swap transactions.

•Income from bank-owned life insurance totaled $1.9 million, up by $959 thousand, due to the recognition of a non-taxable gain of $954 thousand (equivalent to $0.05 per diluted share).

Noninterest Expense

Noninterest expense was up by $200 thousand, or 0.5%. Compared to the third quarter of 2025, noninterest expense was up by $3.1 million, or 9%.

•Salaries and employee benefits expense decreased by $188 thousand, or 0.7%. Compared to the third quarter of 2025, salaries and employee benefits expense increased by $2.5 million, or 11%, reflecting annual merit and staffing increases.

•All other noninterest expenses increased by $388 thousand, or 3%, largely reflecting volume-related increases in outsourced services expense. Compared to the third quarter of 2025, all other noninterest expenses increased by $621 thousand, or 5%.

Income Tax

Income tax expense was up by $692 thousand. The effective tax rate was 20.4%, compared to 21.2%. The Corporation expects its full-year 2026 effective tax rate to be approximately 21.5%.

-2-

Washington Trust

October 19, 2026

FINANCIAL CONDITION (Sep 30, 2026 vs. Jun 30, 2026, unless otherwise noted):

Investment Securities

The securities portfolio totaled $818 million, down by $68 million, or 8%, reflecting a decrease of $44 million in the fair value of available for sale securities, as well as routine pay-downs. The securities portfolio represented 13% of total assets, compared to 14%.

Loans

Total loans amounted to $5.2 billion, up by $62 million, or 1%.

•Commercial loans increased by $62 million, or 2%, driven by growth in the commercial real estate portfolio.

•Residential real estate loans decreased by $12 million, or 1%.

•Consumer loans increased by $12 million, or 3%.

Deposits and Borrowings

Total deposits amounted to $5.4 billion, and were up by $77 million, or 1%. Compared to September 30, 2025, deposits were up by $213 million, or 4%.

There were no wholesale brokered deposits at September 30, 2026, June 30, 2026, or September 30, 2025.

FHLB advances totaled $376 million, and were down by $80 million, or 18%. Compared to September 30, 2025, FHLB advances were down by $415 million, or 52%. This decline reflected increases in deposits and timing of liquidity management activities.

Contingent liquidity amounted to $2.1 billion at September 30, 2026 and consisted of available cash, unencumbered securities, and unused collateralized borrowing capacity.

Capital and Dividends

Total shareholders' equity was $530.8 million, down by $22.8 million, or 4%, as net income was offset by a decline in the accumulated other comprehensive income ("AOCI") component of shareholders' equity, as well as quarterly dividend declarations. The decrease in AOCI was driven by the reduction in fair value of available for sale debt securities due to changes in market interest rates.

•The Board of Directors declared a quarterly dividend of 56 cents per share for the third quarter. The dividend was paid on October 9, 2026 to shareholders of record on October 1, 2026.

•Capital levels exceeded the regulatory minimum levels to be considered well capitalized, with a common equity tier 1 ratio of 11.93%, compared to 11.89%.

•Book value per share was $27.82, compared to $29.02.

ASSET QUALITY (Sep 30, 2026 vs. Jun 30, 2026, unless otherwise noted):

Nonaccrual loans were $24.5 million, or 0.48% of total loans, down from $39.8 million, or 0.78%. Past due loans were $27.9 million, or 0.54% of total loans, down from $41.4 million, or 0.81%.

-3-

Washington Trust

October 19, 2026

The improvement in asset quality was driven by the resolution of one commercial real estate office loan for $22.3 million that was previously placed on nonaccrual status in the first quarter of 2026. In the third quarter, this loan was restructured and bifurcated, resulting in $18.5 million being returned to accruing status and $3.8 million being charged off.

The provision for credit losses totaled $1.8 million in the third quarter, compared to $1.6 million in the prior quarter.

The allowance for credit losses ("ACL") on loans amounted to $40.5 million, or 0.78% of total loans, compared to $42.6 million, or 0.83%. The ACL on loans to total loans (coverage ratio) is affected by the timing and extent of charge-offs. Net charge-offs totaled $3.9 million in the third quarter, compared to $55 thousand in the preceding quarter.

Conference Call

Washington Trust will host a conference call to discuss its third quarter results, business highlights, and outlook on October 20, 2026, at 8:30 a.m. (Eastern Time). Individuals may dial in to the call at 1-833-461-5787 and enter Meeting ID 797102163. A replay of the call will be available on Washington Trust's investor relations website, https://ir.washtrust.com, in the events section under “Q3 - 2026 Washington Trust Bancorp, Inc. Earnings Conference Call Webcast”.

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Washington Trust

October 19, 2026

Background

Washington Trust Bancorp, Inc. is the parent of The Washington Trust Company. Founded in 1800, Washington Trust is the oldest community bank in the nation, the largest state-chartered bank headquartered in Rhode Island and one of the Northeast's premier financial services companies. Washington Trust offers a full range of financial services, including commercial banking, mortgage banking, personal banking, and wealth management and trust services through its offices located in Rhode Island, Connecticut, and Massachusetts. The Corporation’s common stock trades on NASDAQ under the symbol WASH. Investor information is available on the Corporation’s website at https://ir.washtrust.com.

Forward-Looking Statements

This press release contains statements that are “forward-looking statements.” We may also make forward-looking statements in other documents we file with the U.S. Securities and Exchange Commission ("SEC"), in our annual reports to shareholders, in press releases and other written materials, and in oral statements made by our officers, directors, or employees. You can identify forward-looking statements by the use of the words “believe,” “expect,” “anticipate,” “intend,” “estimate,” “assume,” “outlook,” “will,” “should,” and other expressions that predict or indicate future events and trends and which do not relate to historical matters. You should not rely on forward-looking statements, because they involve known and unknown risks, uncertainties, and other factors, some of which are beyond our control. These risks, uncertainties, and other factors may cause our actual results, performance, or achievements to be materially different from the anticipated future results, performance, or achievements expressed or implied by the forward-looking statements.

Some of the factors that might cause these differences include the following:

•changes in general business and economic conditions (including the impact of ongoing armed conflicts, tariffs, inflation, future U.S. government shutdowns, and concerns about liquidity) on a national basis and in the local markets in which we operate;

•interest rate changes or volatility, as well as changes in the balance and mix of loans and deposits;

•changes in customer behavior due to political, business and economic conditions;

•changes in loan demand and collectability;

•the possibility that future credit losses are higher than currently expected due to changes in economic assumptions or adverse economic developments;

•ongoing volatility in national and international financial markets;

•reductions in the market value or outflows of wealth management assets under administration;

•decreases in the value of securities and other assets;

•increases in defaults and charge-off rates;

•changes in the size and nature of our competition;

•changes in, and evolving interpretations of, existing and future laws, rules and regulations;

•changes in accounting principles, policies and guidelines;

•operational risks including, but not limited to, changes in information technology, cybersecurity incidents, fraud, natural disasters, war, terrorism, civil unrest and future pandemics;

•regulatory, litigation and reputational risks; and

•changes in the assumptions used in making such forward-looking statements.

In addition, the factors described under “Risk Factors” in Item 1A of our Annual Report on Form 10-K for the fiscal year ended December 31, 2025, as updated by our Quarterly Reports on Form 10-Q and other filings submitted to the SEC, may result in these differences. You should carefully review all of these factors, and you should be aware that there may be other factors that could cause these differences. The forward-looking statements in this report were based on information, plans, and estimates at the date of this report, and we assume no obligation to update any forward-looking statements to reflect changes in underlying assumptions or factors, new information, future events or other changes.

Supplemental Information - Explanation of Non-GAAP Financial Measures

In addition to results presented in accordance with generally accepted accounting principles (“GAAP”), this press release contains certain non-GAAP financial measures. Washington Trust's management believes that the supplemental non-GAAP information, such as adjusted noninterest income, adjusted noninterest expense, adjusted income before income taxes, adjusted income tax expense, adjusted net income, adjusted diluted earnings per common share, adjusted return on average assets, adjusted return on average equity, and adjusted efficiency ratio, as well as measurements and ratios based on tangible equity and tangible assets, is utilized by regulators and market analysts to evaluate a company's financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for financial results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures, which may be presented by other companies. Because non-GAAP financial measures are not standardized, it may not be possible to compare these financial measures with other companies' non-GAAP financial measures having the same or similar names.

-5-

Washington Trust Bancorp, Inc. and Subsidiaries
CONDENSED CONSOLIDATED BALANCE SHEETS
(Unaudited; Dollars in thousands)
																					Sep 30, 2026 vs. Jun 30, 2026									Sep 30, 2026 vs. Sep 30, 2025
			Sep 30, 2026			Jun 30, 2026									Sep 30, 2025						$			%						$			%
Assets:
Cash and due from banks			$21,675			$26,443									$35,604						(4,768)			(18.0		%)				($13,929)			(39.1		%)
Interest-earning deposits with correspondent banks			63,892			89,069									143,886						(25,177)			(28.3)						(79,994)			(55.6)
Short-term investments			9,924			11,883									12,841						(1,959)			(16.5)						(2,917)			(22.7)
Mortgage loans held for sale, at fair value			31,530			33,608									31,318						(2,078)			(6.2)						212			0.7
Available for sale debt securities, at fair value			817,801			885,321									962,466						(67,520)			(7.6)						(144,665)			(15.0)
Federal Home Loan Bank stock, at cost			19,715			23,809									36,331						(4,094)			(17.2)						(16,616)			(45.7)
Loans:
Total loans			5,164,852			5,103,069									5,122,582						61,783			1.2						42,270			0.8
Less: allowance for credit losses on loans			40,488			42,571									36,576						(2,083)			(4.9)						3,912			10.7
Net loans			5,124,364			5,060,498									5,086,006						63,866			1.3						38,358			0.8
Premises and equipment, net			27,992			26,171									25,065						1,821			7.0						2,927			11.7
Operating lease right-of-use assets			34,130			35,029									35,968						(899)			(2.6)						(1,838)			(5.1)
Investment in bank-owned life insurance			115,172			116,914									114,240						(1,742)			(1.5)						932			0.8
Goodwill			63,909			63,909									63,909						—			—						—			—
Identifiable intangible assets, net			3,837			3,992									4,458						(155)			(3.9)						(621)			(13.9)
Other assets			204,550			171,258									165,829						33,292			19.4						38,721			23.3
Total assets			$6,538,491			$6,547,904									$6,717,921						($9,413)			(0.1		%)				($179,430)			(2.7		%)
Liabilities:
Deposits:
Noninterest-bearing deposits			$690,665			$644,011									$671,309						$46,654			7.2		%				$19,356			2.9		%
Interest-bearing deposits			4,745,351			4,714,862									4,551,527						30,489			0.6						193,824			4.3
Total deposits			5,436,016			5,358,873									5,222,836						77,143			1.4						213,180			4.1
Federal Home Loan Bank advances			376,000			456,000									791,000						(80,000)			(17.5)						(415,000)			(52.5)
Junior subordinated debentures			22,681			22,681									22,681						—			—						—			—
Operating lease liabilities			37,083			37,935									38,741						(852)			(2.2)						(1,658)			(4.3)
Other liabilities			135,944			118,892									109,642						17,052			14.3						26,302			24.0
Total liabilities			6,007,724			5,994,381									6,184,900						13,343			0.2						(177,176)			(2.9)
Shareholders’ Equity:
Common stock			1,223			1,223									1,223						—			—						—			—
Paid-in capital			198,854			198,088									198,058						766			0.4						796			0.4
Retained earnings			458,174			449,650									437,545						8,524			1.9						20,629			4.7
Accumulated other comprehensive loss			(109,797)			(77,360)									(84,828)						(32,437)			(41.9)						(24,969)			(29.4)
Treasury stock, at cost			(17,687)			(18,078)									(18,977)						391			2.2						1,290			6.8
Total shareholders’ equity			530,767			553,523									533,021						(22,756)			(4.1)						(2,254)			(0.4)
Total liabilities and shareholders’ equity			$6,538,491			$6,547,904									$6,717,921						($9,413)			(0.1		%)				($179,430)			(2.7		%)

-6-

Washington Trust Bancorp, Inc. and Subsidiaries
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(Unaudited; Dollars and shares in thousands, except per share amounts)
																		Q3 2026 vs. Q2 2026									Q3 2026 vs. Q3 2025
						Q3 2026			Q2 2026									Q3 2025						$			%						$			%
Interest income:
Interest and fees on loans						$68,066			$64,711									$68,785						$3,355			5.2		%				($719)			(1.0		%)
Interest on mortgage loans held for sale						557			478									542						79			16.5						15			2.8
Taxable interest on debt securities						8,250			8,468									9,372						(218)			(2.6)						(1,122)			(12.0)
Nontaxable interest on debt securities						7			8									7						(1)			(12.5)						—			—
Dividends on Federal Home Loan Bank stock						425			506									764						(81)			(16.0)						(339)			(44.4)
Other interest income						1,100			998									1,475						102			10.2						(375)			(25.4)
Total interest and dividend income						78,405			75,169									80,945						3,236			4.3						(2,540)			(3.1)
Interest expense:
Deposits						29,009			27,567									31,223						1,442			5.2						(2,214)			(7.1)
Federal Home Loan Bank advances						4,392			5,491									10,542						(1,099)			(20.0)						(6,150)			(58.3)
Junior subordinated debentures						312			308									347						4			1.3						(35)			(10.1)
Total interest expense						33,713			33,366									42,112						347			1.0						(8,399)			(19.9)
Net interest income						44,692			41,803									38,833						2,889			6.9						5,859			15.1
Provision for credit losses						1,800			1,600									6,800						200			12.5						(5,000)			(73.5)
Net interest income after provision for credit losses						42,892			40,203									32,033						2,689			6.7						10,859			33.9
Noninterest income:
Wealth management revenues						11,089			11,201									10,373						(112)			(1.0)						716			6.9
Mortgage banking revenues						3,155			3,473									3,501						(318)			(9.2)						(346)			(9.9)
Card interchange fees						1,317			1,305									1,163						12			0.9						154			13.2
Service charges on deposit accounts						952			842									841						110			13.1						111			13.2
Loan related derivative income						1,507			583									271						924			158.5						1,236			456.1
Income from bank-owned life insurance						1,863			904									868						959			106.1						995			114.6
Other income						382			354									619						28			7.9						(237)			(38.3)
Total noninterest income						20,265			18,662									17,636						1,603			8.6						2,629			14.9
Noninterest expense:
Salaries and employee benefits						25,124			25,312									22,674						(188)			(0.7)						2,450			10.8
Outsourced services						4,605			4,266									4,120						339			7.9						485			11.8
Net occupancy						2,733			2,735									2,691						(2)			(0.1)						42			1.6
Equipment						930			887									917						43			4.8						13			1.4
Legal, audit, and professional fees						802			824									719						(22)			(2.7)						83			11.5
FDIC deposit insurance costs						794			952									1,055						(158)			(16.6)						(261)			(24.7)
Advertising and promotion						703			771									763						(68)			(8.8)						(60)			(7.9)
Amortization of intangibles						155			156									200						(1)			(0.6)						(45)			(22.5)
Other expenses						2,951			2,694									2,587						257			9.5						364			14.1
Total noninterest expense						38,797			38,597									35,726						200			0.5						3,071			8.6
Income before income taxes						24,360			20,268									13,943						4,092			20.2						10,417			74.7
Income tax expense						4,979			4,287									3,097						692			16.1						1,882			60.8
Net income						$19,381			$15,981									$10,846						$3,400			21.3		%				$8,535			78.7		%
Weighted avg common shares outstanding - basic						19,076			19,064									19,128
Weighted avg common shares outstanding - diluted						19,264			19,204									19,243
Per share information:
Basic earnings per common share						$1.02			$0.84									$0.57						$0.18			21.4		%				$0.45			78.9		%
Diluted earnings per common share						$1.01			$0.83									$0.56						$0.18			21.7		%				$0.45			80.4		%
Cash dividends declared						$0.56			$0.56									$0.56						$—			—		%				$—			—		%

-7-

Washington Trust Bancorp, Inc. and Subsidiaries
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(Unaudited; Dollars and shares in thousands, except per share amounts)
																														Change
For the Nine Months Ended Sep 30,																																	2026			2025						$			%
Interest income:
Interest and fees on loans																																	$197,115			$202,786						($5,671)			(2.8		%)
Interest on mortgage loans held for sale																																	1,410			1,942						(532)			(27.4)
Taxable interest on debt securities																																	25,486			27,429						(1,943)			(7.1)
Nontaxable interest on debt securities																																	22			22						—			—
Dividends on Federal Home Loan Bank stock																																	1,516			2,578						(1,062)			(41.2)
Other interest income																																	3,007			4,497						(1,490)			(33.1)
Total interest and dividend income																																	228,556			239,254						(10,698)			(4.5)
Interest expense:
Deposits																																	83,946			93,835						(9,889)			(10.5)
Federal Home Loan Bank advances																																	16,660			31,939						(15,279)			(47.8)
Junior subordinated debentures																																	930			1,040						(110)			(10.6)
Total interest expense																																	101,536			126,814						(25,278)			(19.9)
Net interest income																																	127,020			112,440						14,580			13.0
Provision for credit losses																																	7,400			8,600						(1,200)			(14.0)
Net interest income after provision for credit losses																																	119,620			103,840						15,780			15.2
Noninterest income:
Wealth management revenues																																	32,937			30,384						2,553			8.4
Mortgage banking revenues																																	9,673			8,839						834			9.4
Card interchange fees																																	4,007			3,919						88			2.2
Service charges on deposit accounts																																	2,579			2,393						186			7.8
Loan related derivative income																																	2,317			1,048						1,269			121.1
Income from bank-owned life insurance																																	3,652			2,463						1,189			48.3
Gain on sale of bank-owned properties, net																																	—			6,994						(6,994)			(100.0)
Other income																																	1,065			1,317						(252)			(19.1)
Total noninterest income																																	56,230			57,357						(1,127)			(2.0)
Noninterest expense:
Salaries and employee benefits																																	74,776			68,121						6,655			9.8
Outsourced services																																	13,254			12,870						384			3.0
Net occupancy																																	8,358			8,094						264			3.3
Equipment																																	2,720			2,738						(18)			(0.7)
Legal, audit, and professional fees																																	2,562			2,195						367			16.7
FDIC deposit insurance costs																																	2,681			3,552						(871)			(24.5)
Advertising and promotion																																	2,021			1,890						131			6.9
Amortization of intangibles																																	466			607						(141)			(23.2)
Pension plan settlement charge																																	—			6,436						(6,436)			(100.0)
Other expenses																																	8,321			7,949						372			4.7
Total noninterest expense																																	115,159			114,452						707			0.6
Income before income taxes																																	60,691			46,745						13,946			29.8
Income tax expense																																	12,729			10,475						2,254			21.5
Net income																																	$47,962			$36,270						$11,692			32.2		%
Weighted avg common shares outstanding - basic																																	19,060			19,229
Weighted avg common shares outstanding - diluted																																	19,213			19,329
Per share information:
Basic earnings per common share																																	$2.52			$1.89						$0.63			33.3		%
Diluted earnings per common share																																	$2.50			$1.88						$0.62			33.0		%
Cash dividends declared																																	$1.68			$1.68						$—			—		%

-8-

Washington Trust Bancorp, Inc. and Subsidiaries
SELECTED FINANCIAL HIGHLIGHTS
(Unaudited; Dollars and shares in thousands, except per share amounts)
			Sep 30, 2026			Jun 30, 2026									Sep 30, 2025						Sep 30, 2026 vs. Jun 30, 2026									Sep 30, 2026 vs. Sep 30, 2025
Share and Equity Related Data:
Book value per share			$27.82			$29.02									$27.98						($1.20)			(4.1		%)				($0.16)			(0.6		%)
Tangible book value per share (non-GAAP) (1)			$24.27			$25.46									$24.39						($1.19)			(4.7		%)				($0.12)			(0.5		%)
Market value per share			$37.99			$36.48									$28.90						$1.51			4.1		%				$9.09			31.5		%
Shares issued at end of period			19,562			19,562									19,562						— shs			—		%				— shs			—		%
Shares outstanding at end of period			19,081			19,071									19,050						10 shs			0.1		%				31 shs			0.2		%
Capital Ratios (2):
Tier 1 risk-based capital			12.38		%	12.36		%							12.11		%				2 bps									27 bps
Total risk-based capital			13.25		%	13.28		%							12.90		%				(3) bps									35 bps
Tier 1 leverage ratio			9.01		%	9.02		%							8.43		%				(1) bps									58 bps
Common equity tier 1			11.93		%	11.89		%							11.64		%				4 bps									29 bps
Balance Sheet Ratios:
Equity to assets			8.12		%	8.45		%							7.93		%				(33) bps									19 bps
Tangible equity to tangible assets (non-GAAP) (1)			7.16		%	7.49		%							6.99		%				(33) bps									17 bps
Loans to deposits (3)			94.8		%	95.1		%							98.0		%				(30) bps									(320) bps

																					Q3 2026									For the Nine Months Ended									YTD 2026
			Q3 2026			Q2 2026									Q3 2025						vs. Q2 2026 (bps)			vs. Q3 2025 (bps)						Sep 30, 2026			Sep 30, 2025						vs. 2025 (bps)
Performance Ratios (4):
Net interest margin (5)			2.84		%	2.73		%							2.40		%				11			44						2.73		%	2.35		%				38
Return on average assets (6)			1.17		%	0.99		%							0.64		%				18			53						0.98		%	0.72		%				26
Adjusted return on average assets (non-GAAP) (1)			1.17		%	0.99		%							0.64		%				18			53						0.98		%	0.71		%				27
Return on average tangible assets (non-GAAP) (1)			1.18		%	1.00		%							0.65		%				18			53						0.99		%	0.72		%				27
Return on average equity (7)			13.89		%	11.61		%							8.14		%				228			575						11.60		%	9.29		%				231
Adjusted return on average equity (non-GAAP) (1)			13.89		%	11.61		%							8.14		%				228			575						11.60		%	9.19		%				241
Return on average tangible equity (non-GAAP) (1)			15.84		%	13.24		%							9.34		%				260			650						13.22		%	10.54		%				268
Efficiency ratio (8)			59.7		%	63.8		%							63.3		%				(410)			(360)						62.8		%	67.4		%				(460)
Adjusted efficiency ratio (non-GAAP) (1)			59.7		%	63.8		%							63.3		%				(410)			(360)						62.8		%	66.3		%				(350)

(1)See the section labeled “Supplemental Information - Calculation of Non-GAAP Financial Measures” at the end of this document.

(2)Estimated for Sep 30, 2026 and actuals for prior periods.

(3)Period-end balances of net loans and mortgage loans held for sale as a percentage of total deposits.

(4)Annualized based on the actual number of days in the period.

(5)Fully taxable equivalent (FTE) net interest income as a percentage of average-earnings assets.

(6)Net income divided by average assets.

(7)Net income divided by average equity.

(8)Total noninterest expense as percentage of total revenues (net interest income and noninterest income).

-9-

Washington Trust Bancorp, Inc. and Subsidiaries
SELECTED FINANCIAL HIGHLIGHTS
(Unaudited; Dollars in thousands)
															Q3 2026 vs. Q2 2026									Q3 2026 vs. Q3 2025
			Q3 2026			Q2 2026									Q3 2025						$			%						$			%
Wealth Management Results
Wealth Management Revenues:
Asset-based revenues			$11,030			$10,869									$10,307						$161			1.5		%				$723			7.0		%
Transaction-based revenues			59			332									66						(273)			(82.2)						(7)			(10.6)
Total wealth management revenues			$11,089			$11,201									$10,373						($112)			(1.0		%)				$716			6.9		%
Assets Under Administration (AUA):
Market value at the end of the period (1)			$7,917,811			$7,916,933									$7,682,440						$878			—		%				$235,371			3.1		%
Percentage of AUA that are managed assets			91		%	91		%							91		%
Mortgage Banking Results
Mortgage Banking Revenues:
Realized gains on loan sales, net (2)			$2,788			$2,733									$2,450						$55			2.0		%				$338			13.8		%
Changes in fair value, net (3)			(188)			226									530						(414)			(183.2)						(718)			(135.5)
Loan servicing fee income, net (4)			555			514									521						41			8.0						34			6.5
Total mortgage banking revenues			$3,155			$3,473									$3,501						($318)			(9.2		%)				($346)			(9.9		%)
Residential Mortgage Loan Originations:
Originations for retention in portfolio (5)			$49,169			$78,934									$50,852						($29,765)			(37.7		%)				($1,683)			(3.3		%)
Originations for sale to secondary market (6)			143,712			137,134									122,300						6,578			4.8						21,412			17.5
Total mortgage loan originations			$192,881			$216,068									$173,152						($23,187)			(10.7		%)				$19,729			11.4		%
Percentage of originations for sale to total mortgage loan originations			75		%	63		%							71		%
Residential Mortgage Loans Sold:
Sold with servicing rights retained			$8,832			$7,586									$9,774						$1,246			16.4		%				($942)			(9.6		%)
Sold with servicing rights released (6)			136,051			128,535									116,713						7,516			5.8						19,338			16.6
Total mortgage loans sold			$144,883			$136,121									$126,487						$8,762			6.4		%				$18,396			14.5		%

(1)Includes the impact of $195 million of managed assets acquired from Lighthouse Financial Management, LLC on Jul 31, 2025.

(2)Includes gains on loan sales, commission income on loans originated for others, servicing right gains, and gains (losses) on forward loan commitments.

(3)Represents fair value changes on mortgage loans held for sale and forward loan commitments.

(4)Represents loan servicing fee income, net of servicing right amortization and valuation adjustments.

(5)Includes the full commitment amount of homeowner construction loans.

(6)Includes brokered loans (loans originated for others).

-10-

Washington Trust Bancorp, Inc. and Subsidiaries
SELECTED FINANCIAL HIGHLIGHTS
(Unaudited; Dollars in thousands)
																					Change
For the Nine Months Ended Sep 30,																														2026			2025						$			%
Wealth Management Results
Wealth Management Revenues:
Asset-based revenues																														$32,479			$29,821						$2,658			8.9		%
Transaction-based revenues																														458			563						(105)			(18.7)
Total wealth management revenues																														$32,937			$30,384						$2,553			8.4		%
Assets Under Administration (AUA):
Market value at the end of the period (1)																														$7,917,811			$7,682,440						$235,371			3.1		%
Percentage of AUA that are managed assets																														91%			91%
Mortgage Banking Results
Mortgage Banking Revenues:
Realized gains on loan sales, net (2)																														$7,891			$6,485						$1,406			21.7		%
Changes in fair value, net (3)																														202			682						(480)			(70.4)
Loan servicing fee income, net (4)																														1,580			1,672						(92)			(5.5)
Total mortgage banking revenues																														$9,673			$8,839						$834			9.4		%
Residential Mortgage Loan Originations:
Originations for retention in portfolio (5)																														$164,916			$129,845						$35,071			27.0		%
Originations for sale to secondary market (6)																														399,197			328,031						71,166			21.7
Total mortgage loan originations																														$564,113			$457,876						$106,237			23.2		%
Percentage of originations for sale to total mortgage loan originations																														71		%	72		%
Residential Mortgage Loans Sold:
Sold with servicing rights retained																														$21,088			$34,355						($13,267)			(38.6		%)
Sold with servicing rights released (6)																														381,439			284,406						97,033			34.1
Total mortgage loans sold																														$402,527			$318,761						$83,766			26.3		%

(1)Includes the impact of $195 million of managed assets acquired from Lighthouse Financial Management, LLC on Jul 31, 2025.

(2)Includes gains on loan sales, commission income on loans originated for others, servicing right gains, and gains (losses) on forward loan commitments.

(3)Represents fair value changes on mortgage loans held for sale and forward loan commitments.

(4)Represents loan servicing fee income, net of servicing right amortization and valuation adjustments.

(5)Includes the full commitment amount of homeowner construction loans.

(6)Includes brokered loans (loans originated for others).

-11-

Washington Trust Bancorp, Inc. and Subsidiaries
END OF PERIOD LOAN COMPOSITION
(Unaudited; Dollars in thousands)
															Sep 30, 2026 vs. Jun 30, 2026									Sep 30, 2026 vs. Sep 30, 2025
			Sep 30, 2026			Jun 30, 2026									Sep 30, 2025						$			%						$			%
Loans:
Commercial real estate (1)			$2,116,435			$2,050,249									$2,156,750						$66,186			3.2		%				($40,315)			(1.9		%)
Commercial & industrial			661,617			665,855									568,317						(4,238)			(0.6)						93,300			16.4
Total commercial			2,778,052			2,716,104									2,725,067						61,948			2.3						52,985			1.9
Residential real estate (2)			2,030,656			2,042,406									2,073,740						(11,750)			(0.6)						(43,084)			(2.1)
Home equity			340,253			328,802									307,371						11,451			3.5						32,882			10.7
Other			15,891			15,757									16,404						134			0.9						(513)			(3.1)
Total consumer			356,144			344,559									323,775						11,585			3.4						32,369			10.0
Total loans			$5,164,852			$5,103,069									$5,122,582						$61,783			1.2		%				$42,270			0.8		%

(1)Commercial real estate loans consist of commercial mortgages and construction and development loans. Commercial mortgages are loans secured by income producing property.

(2)Residential real estate loans consist of mortgage and homeowner construction loans secured by one- to four-family residential properties.

-12-

Washington Trust Bancorp, Inc. and Subsidiaries
END OF PERIOD LOAN COMPOSITION
(Unaudited; Dollars in thousands)
						Sep 30, 2026												Dec 31, 2025									Balance Change
						Balance			% of Total									Balance			% of Total						$			%
Commercial Real Estate Portfolio Segmentation:
Multi-family						$687,386			32		%							$667,388			31		%				$19,998			3.0		%
Retail						409,346			19									436,961			20						(27,615)			(6.3)
Industrial and warehouse						373,870			18									380,403			17						(6,533)			(1.7)
Hospitality						240,264			11									230,549			11						9,715			4.2
Office						208,059			10									237,706			11						(29,647)			(12.5)
Healthcare facility						115,342			5									156,871			7						(41,529)			(26.5)
Mixed-use						28,453			1									26,440			1						2,013			7.6
Other						53,715			4									47,667			2						6,048			12.7
Total commercial real estate loans						$2,116,435			100		%							$2,183,985			100		%				($67,550)			(3.1		%)
Commercial & Industrial Portfolio Segmentation:
Healthcare and social assistance						$148,495			22		%							$150,061			27		%				($1,566)			(1.0		%)
Educational services						144,744			22									54,245			10						90,499			166.8
Retail trade						66,816			10									48,289			9						18,527			38.4
Transportation and warehousing						54,137			8									55,315			10						(1,178)			(2.1)
Accommodation and food services						31,812			5									26,431			5						5,381			20.4
Finance and insurance						27,697			4									22,727			4						4,970			21.9
Manufacturing						26,379			4									23,714			4						2,665			11.2
Arts, entertainment, and recreation						23,705			4									22,043			4						1,662			7.5
Professional, scientific, and technical services						21,100			3									12,490			2						8,610			68.9
Information						21,090			3									21,843			4						(753)			(3.4)
Real estate rental and leasing						20,363			3									57,113			10						(36,750)			(64.3)
Public administration						5,929			1									1,448			—						4,481			309.5
Other						69,350			11									68,363			11						987			1.4
Total commercial & industrial loans						$661,617			100		%							$564,082			100		%				$97,535			17.3		%

									Weighted Average									Asset Quality												Supplemental - Nonaccrual (included in Classified)
			Balance (2) (3)			Average  Loan Size (4)			Loan to Value			Debt  Service Coverage						Pass			Special Mention			Classified
Non-Owner Occupied Commercial Real Estate Office (inclusive of Construction):
Class A			$67,350			$9,811			54%			1.71x						$61,319			$—			$6,031						$6,031
Class B			69,893			3,679			54%			1.35x						66,166			3,727			—						—
Class C			10,250			1,464			56%			1.35x						10,250			—			—						—
Medical Office			25,556			6,389			54%			1.68x						25,556			—			—						—
Lab Space			35,010			18,288			103%			—x						—			28,436			6,574						6,574
Total office at Sep 30, 2026 (1)			$208,059			$5,409			63%			1.27x						$163,291			$32,163			$12,605						$12,605
Total office at Jun 30, 2026			$212,074			$5,500			64%			1.30x						$145,402			$31,654			$35,018						$28,923
Sep 30, 2026 vs. Jun 30, 2026			($4,015)			($91)			(1%)			(0.03x)						$17,889			$509			($22,413)						($16,318)

(1)Approximately 61% of the total commercial real estate office balance of $208 million is secured by income producing properties located in suburban areas. Additionally, approximately 61% of the total commercial real estate office balance is scheduled to mature before Sep 30, 2028.

(2)Balance of commercial real estate office consists of 39 loans as of Sep 30, 2026.

(3)Does not include $2.9 million of unfunded commitments as of Sep 30, 2026.

(4)Total commitment (outstanding loan balance plus unfunded commitments) divided by number of loans.

-13-

Washington Trust Bancorp, Inc. and Subsidiaries
END OF PERIOD DEPOSIT COMPOSITION & CONTINGENT LIQUIDITY
(Unaudited; Dollars in thousands)
																					Sep 30, 2026 vs. Jun 30, 2026									Sep 30, 2026 vs. Sep 30, 2025
			Sep 30, 2026			Jun 30, 2026									Sep 30, 2025						$			%						$			%
Deposits:
Noninterest-bearing demand deposits			$690,665			$644,011									$671,309						$46,654			7.2		%				$19,356			2.9		%
Interest-bearing demand deposits (in-market)			720,603			745,273									703,848						(24,670)			(3.3)						16,755			2.4
NOW accounts			703,672			701,615									684,689						2,057			0.3						18,983			2.8
Money market accounts			1,300,322			1,270,616									1,195,463						29,706			2.3						104,859			8.8
Savings accounts			877,455			863,856									733,529						13,599			1.6						143,926			19.6
Time deposits (in-market)			1,143,299			1,133,502									1,233,998						9,797			0.9						(90,699)			(7.4)
In-market deposits			5,436,016			5,358,873									5,222,836						77,143			1.4						213,180			4.1
Wholesale brokered time deposits			—			—									—						—			—						—			—
Total deposits			$5,436,016			$5,358,873									$5,222,836						$77,143			1.4		%				$213,180			4.1		%

			Sep 30, 2026						Dec 31, 2025						Sep 30, 2026 vs. Dec 31, 2025
Contingent Liquidity:
Federal Home Loan Bank of Boston			$1,498,918						$1,356,005						$142,913			10.5		%
Federal Reserve Bank of Boston			111,760						104,379						7,381			7.1
Available cash liquidity (1)			21,716						17,460						4,256			24.4
Unencumbered securities			453,811						539,830						(86,019)			(15.9)
Total			$2,086,205						$2,017,674						$68,531			3.4		%

(1)    Available cash liquidity excludes amounts restricted for collateral purposes and designated for operating needs.

-14-

Washington Trust Bancorp, Inc. and Subsidiaries
CREDIT & ASSET QUALITY DATA
(Unaudited; Dollars in thousands)
																														Sep 30, 2026 vs.
															Sep 30, 2026			Jun 30, 2026						Sep 30, 2025						Jun 30, 2026 (bps)			Sep 30, 2025 (bps)
Asset Quality Ratios:
Nonperforming assets to total assets															0.38		%	0.61					%	0.21		%				(23)			17
Nonaccrual loans to total loans															0.48		%	0.78					%	0.27		%				(30)			21
Total past due loans to total loans															0.54		%	0.81					%	0.16		%				(27)			38
ACL on loans to nonaccrual loans															165.01		%	106.92					%	260.96		%				5,809			(9,595)
ACL on loans to total loans															0.78		%	0.83					%	0.71		%				(5)			7
																					Sep 30, 2026 vs. Jun 30, 2026									Sep 30, 2026 vs. Sep 30, 2025
			Sep 30, 2026			Jun 30, 2026									Sep 30, 2025						$			%						$			%
Nonperforming Assets:
Commercial real estate			$12,605			$28,923									$—						($16,318)			(56.4		%)				$12,605			100.0		%
Commercial & industrial			489			126									1,010						363			288.1						(521)			(51.6)
Total commercial			13,094			29,049									1,010						(15,955)			(54.9)						12,084			1,196.4
Residential real estate			9,689			9,072									11,129						617			6.8						(1,440)			(12.9)
Home equity			1,753			1,695									1,877						58			3.4						(124)			(6.6)
Other consumer			—			—									—						—			—						—			—
Total consumer			1,753			1,695									1,877						58			3.4						(124)			(6.6)
Total nonaccrual loans			24,536			39,816									14,016						(15,280)			(38.4)						10,520			75.1
Other real estate owned			—			—									—						—			—						—			—
Total nonperforming assets			$24,536			$39,816									$14,016						($15,280)			(38.4		%)				$10,520			75.1		%
Past Due Loans (30 days or more past due):
Commercial real estate			$14,688			$28,923									$—						($14,235)			(49.2		%)				$14,688			100.0		%
Commercial & industrial			493			464									8						29			6.3						485			6,062.5
Total commercial			15,181			29,387									8						(14,206)			(48.3)						15,173			189,662.5
Residential real estate			10,655			9,908									6,470						747			7.5						4,185			64.7
Home equity			2,002			2,086									1,583						(84)			(4.0)						419			26.5
Other consumer			46			27									51						19			70.4						(5)			(9.8)
Total consumer			2,048			2,113									1,634						(65)			(3.1)						414			25.3
Total past due loans			$27,884			$41,408									$8,112						($13,524)			(32.7		%)				$19,772			243.7		%
Accruing loans 90 days or more past due			$—			$—									$—						$—			—		%				$—			—		%
Nonaccrual loans included in past due loans			$14,965			$36,152									$5,925						($21,187)			(58.6		%)				$9,040			152.6		%

-15-

Washington Trust Bancorp, Inc. and Subsidiaries
CREDIT & ASSET QUALITY DATA
(Unaudited; Dollars in thousands)
			For the Three Months Ended
			Sep 30, 2026			Jun 30, 2026									Sep 30, 2025
Nonaccrual Loan Activity:
Balance at beginning of period			$39,816			$40,440									$26,108
Additions to nonaccrual status			7,832			2,457									1,068
Loans returned to accruing status			(18,720)			(2,318)									—
Loans charged-off			(3,910)			(78)									(11,459)
Loans transferred to other real estate owned			—			—									—
Payments, payoffs, and other changes			(482)			(685)									(1,701)
Balance at end of period			$24,536			$39,816									$14,016
Allowance for Credit Losses on Loans:
Balance at beginning of period			$42,571			$41,126									$41,059
Provision for credit losses on loans (1)			1,800			1,500									6,950
Charge-offs			(3,910)			(78)									(11,459)
Recoveries			27			23									26
Balance at end of period			$40,488			$42,571									$36,576
Allowance for Credit Losses on Unfunded Commitments:
Balance at beginning of period			$1,340			$1,240									$1,190
Provision for credit losses on unfunded commitments (1)			—			100									(150)
Balance at end of period (2)			$1,340			$1,340									$1,040

(1)    Included in provision for credit losses in the Consolidated Statements of Income.

(2)     Included in other liabilities in the Consolidated Balance Sheets.

-16-

Washington Trust Bancorp, Inc. and Subsidiaries
CREDIT & ASSET QUALITY DATA
(Unaudited; Dollars in thousands)
															Q3 2026 vs. Q2 2026									Q3 2026 vs. Q3 2025
			Q3 2026			Q2 2026									Q3 2025						$			%						$			%
Provision for Credit Losses:
Provision for credit losses on loans			$1,800			$1,500									$6,950						$300			20.0		%				($5,150)			(74.1		%)
Provision for credit losses on unfunded commitments			—			100									(150)						(100)			(100.0)						150			100.0
Provision for credit losses			$1,800			$1,600									$6,800						$200			12.5		%				($5,000)			(73.5		%)
Net Loan Charge-Offs (Recoveries):
Commercial real estate			$3,830			$—									$2,991						$3,830			100.0		%				$839			28.1		%
Commercial & industrial			(3)			—									8,355						(3)			—						(8,358)			(100.0)
Total commercial			3,827			—									11,346						3,827			100.0						(7,519)			(66.3)
Residential real estate			—			—									—						—			—						—			—
Home equity			—			—									(15)						—			—						15			100.0
Other consumer			56			55									102						1			1.8						(46)			(45.1)
Total consumer			56			55									87						1			1.8						(31)			(35.6)
Total			$3,883			$55									$11,433						$3,828			6,960.0		%				($7,550)			(66.0		%)

-17-

Washington Trust Bancorp, Inc. and Subsidiaries
CONSOLIDATED AVERAGE BALANCE SHEETS (FTE Basis)
(Unaudited; Dollars in thousands)
The following tables present daily average balance, interest, and yield/rate information, as well as net interest margin on an FTE basis. Tax-exempt income is converted to an FTE basis using the statutory federal income tax rate. Unrealized gains (losses) on available for sale securities, changes in fair value on mortgage loans held for sale, and basis adjustments associated with fair value hedges are excluded from the average balance and yield calculations. Nonaccrual loans are included in amounts presented for loans. Interest income attributable to nonaccrual loans is included in accordance with accounting policy as disclosed in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025.
For the Three Months Ended			Sep 30, 2026												Jun 30, 2026															Change
			Average Balance			Interest			Yield/ Rate						Average Balance			Interest			Yield/ Rate															Average Balance			Interest			Yield/ Rate
Assets:
Cash, federal funds sold, and short-term investments			$120,836			$1,100			3.61		%				$111,434			$998			3.59		%													$9,402			$102			0.02		%
Mortgage loans held for sale			33,802			557			6.54						31,413			478			6.10															2,389			79			0.44
Taxable debt securities			972,482			8,250			3.37						996,894			8,468			3.41															(24,412)			(218)			(0.04)
Nontaxable debt securities			650			8			4.88						650			8			4.94															—			—			(0.06)
Total securities			973,132			8,258			3.37						997,544			8,476			3.41															(24,412)			(218)			(0.04)
FHLB stock			21,215			425			7.95						25,557			506			7.94															(4,342)			(81)			0.01
Commercial real estate			2,077,821			30,246			5.78						2,049,760			28,593			5.60															28,061			1,653			0.18
Commercial & industrial			664,500			9,591			5.73						592,347			8,346			5.65															72,153			1,245			0.08
Total commercial			2,742,321			39,837			5.76						2,642,107			36,939			5.61															100,214			2,898			0.15
Residential real estate			2,038,069			22,990			4.48						2,027,688			22,698			4.49															10,381			292			(0.01)
Home equity			332,723			5,255			6.27						322,709			5,052			6.28															10,014			203			(0.01)
Other			15,617			215			5.46						15,760			208			5.29															(143)			7			0.17
Total consumer			348,340			5,470			6.23						338,469			5,260			6.23															9,871			210			—
Total loans			5,128,730			68,297			5.28						5,008,264			64,897			5.20															120,466			3,400			0.08
Total interest-earning assets			6,277,715			78,637			4.97						6,174,212			75,355			4.90															103,503			3,282			0.07
Noninterest-earning assets			288,205												289,814																					(1,609)
Total assets			$6,565,920												$6,464,026																					$101,894
Liabilities and Shareholders' Equity:
Interest-bearing demand deposits (in-market)			$743,369			$5,815			3.10		%				$730,215			$5,751			3.16		%													$13,154			$64			(0.06		%)
NOW accounts			687,920			292			0.17						685,098			265			0.16															2,822			27			0.01
Money market accounts			1,310,077			9,512			2.88						1,196,679			8,429			2.83															113,398			1,083			0.05
Savings accounts			868,065			3,920			1.79						833,804			3,656			1.76															34,261			264			0.03
Time deposits (in-market)			1,136,661			9,470			3.31						1,143,511			9,466			3.32															(6,850)			4			(0.01)
Interest-bearing in-market deposits			4,746,092			29,009			2.42						4,589,307			27,567			2.41															156,785			1,442			0.01
Wholesale brokered time deposits			—			—			—						—			—			—															—			—			—
Total interest-bearing deposits			4,746,092			29,009			2.42						4,589,307			27,567			2.41															156,785			1,442			0.01
FHLB advances			431,924			4,392			4.03						536,879			5,491			4.10															(104,955)			(1,099)			(0.07)
Junior subordinated debentures			22,681			312			5.46						22,681			308			5.45															—			4			0.01
Total interest-bearing liabilities			5,200,697			33,713			2.57						5,148,867			33,366			2.60															51,830			347			(0.03)
Noninterest-bearing demand deposits			664,713												621,882																					42,831
Other liabilities			147,120												141,165																					5,955
Shareholders' equity			553,390												552,112																					1,278
Total liabilities and shareholders' equity			$6,565,920												$6,464,026																					$101,894
Net interest income (FTE)						$44,924												$41,989																					$2,935
Interest rate spread									2.40		%										2.30		%																			0.10		%
Net interest margin									2.84		%										2.73		%																			0.11		%

Interest income amounts presented in the preceding table include the following adjustments for taxable equivalency:

For the Three Months Ended			Sep 30, 2026			Jun 30, 2026									Change
Commercial loans			$222			$180									$42
Nontaxable debt securities			1			—									1
Total			$223			$180									$43

-18-

Washington Trust Bancorp, Inc. and Subsidiaries
CONSOLIDATED AVERAGE BALANCE SHEETS (FTE Basis)
(Unaudited; Dollars in thousands)
For the Nine Months Ended			Sep 30, 2026												Sep 30, 2025												Change
			Average Balance			Interest			Yield/ Rate						Average Balance			Interest			Yield/  Rate						Average Balance			Interest			Yield/  Rate
Assets:
Cash, federal funds sold and short-term investments			$111,192			$3,007			3.62		%				$138,301			$4,497			4.35		%				($27,109)			($1,490)			(0.73		%)
Mortgage loans for sale			30,025			1,410			6.28						54,624			1,942			4.75						(24,599)			(532)			1.53
Taxable debt securities			997,146			25,486			3.42						1,061,852			27,429			3.45						(64,706)			(1,943)			(0.03)
Nontaxable debt securities			650			25			5.14						650			24			4.94						—			1			0.20
Total securities			997,796			25,511			3.42						1,062,502			27,453			3.45						(64,706)			(1,942)			(0.03)
FHLB stock			25,745			1,516			7.87						42,504			2,578			8.11						(16,759)			(1,062)			(0.24)
Commercial real estate			2,091,865			87,557			5.60						2,167,400			93,873			5.79						(75,535)			(6,316)			(0.19)
Commercial & industrial			609,788			25,858			5.67						547,558			24,044			5.87						62,230			1,814			(0.20)
Total commercial			2,701,653			113,415			5.61						2,714,958			117,917			5.81						(13,305)			(4,502)			(0.20)
Residential real estate			2,033,794			68,411			4.50						2,101,567			69,382			4.41						(67,773)			(971)			0.09
Home equity			324,090			15,239			6.29						299,645			15,499			6.92						24,445			(260)			(0.63)
Other			15,985			637			5.33						16,876			628			4.98						(891)			9			0.35
Total consumer			340,075			15,876			6.24						316,521			16,127			6.81						23,554			(251)			(0.57)
Total loans			5,075,522			197,702			5.21						5,133,046			203,426			5.30						(57,524)			(5,724)			(0.09)
Total interest-earning assets			6,240,280			229,146			4.91						6,430,977			239,896			4.99						(190,697)			(10,750)			(0.08)
Noninterest-earning assets			291,928												284,668												7,260
Total assets			$6,532,208												$6,715,645												($183,437)
Liabilities and Shareholders' Equity:
Interest-bearing demand deposits (in-market)			$740,588			$17,455			3.15		%				$659,609			$18,630			3.78		%				$80,979			($1,175)			(0.63		%)
NOW accounts			683,129			817			0.16						673,135			1,075			0.21						9,994			(258)			(0.05)
Money market accounts			1,223,662			25,729			2.81						1,196,124			29,426			3.29						27,538			(3,697)			(0.48)
Savings accounts			837,515			10,993			1.75						649,841			8,555			1.76						187,674			2,438			(0.01)
Time deposits (in-market)			1,156,665			28,952			3.35						1,209,618			33,692			3.72						(52,953)			(4,740)			(0.37)
Interest-bearing in-market deposits			4,641,559			83,946			2.42						4,388,327			91,378			2.78						253,232			(7,432)			(0.36)
Wholesale brokered time deposits			—			—			—						65,115			2,457			5.04						(65,115)			(2,457)			(5.04)
Total interest-bearing deposits			4,641,559			83,946			2.42						4,453,442			93,835			2.82						188,117			(9,889)			(0.40)
FHLB advances			542,319			16,660			4.11						945,484			31,939			4.52						(403,165)			(15,279)			(0.41)
Junior subordinated debentures			22,681			930			5.48						22,681			1,040			6.13						—			(110)			(0.65)
Total interest-bearing liabilities			5,206,559			101,536			2.61						5,421,607			126,814			3.13						(215,048)			(25,278)			(0.52)
Noninterest-bearing demand deposits			630,520												628,448												2,072
Other liabilities			142,170												143,843												(1,673)
Shareholders' equity			552,959												521,747												31,212
Total liabilities and shareholders' equity			$6,532,208												$6,715,645												($183,437)
Net interest income (FTE)						$127,610												$113,082												$14,528
Interest rate spread									2.30		%										1.86		%										0.44		%
Net interest margin									2.73		%										2.35		%										0.38		%

Interest income amounts presented in the preceding table include the following adjustments for taxable equivalency:

For the Nine Months Ended			Sep 30, 2026			Sep 30, 2025						Change
Commercial loans			$570			$644						($74)
Nontaxable debt securities			3			2						1
Total			$573			$646						($73)

-19-

Washington Trust Bancorp, Inc. and Subsidiaries
SUPPLEMENTAL INFORMATION - Calculation of Non-GAAP Financial Measures
(Unaudited; Dollars in thousands, except per share amounts)
The following table presents adjusted noninterest income, adjusted noninterest expense, adjusted income before income taxes, adjusted income tax expense, adjusted net income, adjusted diluted earnings per common share, and adjusted efficiency ratio:
For the Nine Months Ended Sep 30,																					2026			2025						Change
Adjusted Noninterest Income:
Noninterest income, as reported																					$56,230			$57,357						($1,127)			(2.0		%)
Less adjustments:
Gain on sale of bank-owned properties, net																					—			6,994						(6,994)			(100.0)
Adjusted noninterest income (non-GAAP)																					$56,230			$50,363						$5,867			11.6		%
Adjusted Noninterest Expense:
Noninterest expense, as reported																					$115,159			$114,452						$707			0.6		%
Less adjustments:
Pension plan settlement charge																					—			6,436						(6,436)			(100.0)
Adjusted noninterest expense (non-GAAP)																					$115,159			$108,016						$7,143			6.6		%
Adjusted Income Before Income Taxes:
Income before income taxes																					$60,691			$46,745						$13,946			29.8		%
Less: total adjustments, pre-tax																					—			558						(558)			(100.0)
Adjusted income before income taxes (non-GAAP)																					$60,691			$46,187						$14,504			31.4		%
Adjusted Income Tax Expense:
Income tax expense, as reported																					$12,729			$10,475						$2,254			21.5		%
Less: tax on total adjustments																					—			141						(141)			(100.0)
Adjusted income tax expense (non-GAAP)																					$12,729			$10,334						$2,395			23.2		%
Adjusted Net Income:
Net income, as reported																					$47,962			$36,270						$11,692			32.2		%
Less: total adjustments, after-tax																					—			417						(417)			(100.0)
Adjusted net income (non-GAAP)																					$47,962			$35,853						$12,109			33.8		%
Adjusted Diluted Earnings per Common Share:
Diluted earnings (loss) per common share, as reported (1)																					$2.50			$1.88						$0.62			33.0		%
Less: impact of total adjustments																					—			0.03						(0.03)			(100.0)
Adjusted diluted earnings per common share (non-GAAP) (2)																					$2.50			$1.85						$0.65			35.1		%
Adjusted Efficiency Ratio:
Efficiency ratio, as reported (3)																					62.8		%	67.4		%				(460) bps
Less: impact of total adjustments																					—			1.1						(110) bps
Adjusted efficiency ratio (non-GAAP) (4)																					62.8		%	66.3		%				(350) bps

(1)Net income divided by weighted average diluted common and potential shares outstanding.

(2)Net income, adjusted for the after-tax impact of adjustments as outlined in the table above, divided by weighted average diluted common and potential shares outstanding.

(3)Total noninterest expense as percentage of total revenues (net interest income and noninterest income).

(4)Total noninterest expense as percentage of total revenues (net interest income and noninterest income), each adjusted for the pre-tax impact of adjustments as outlined in the table above.

-20-

Washington Trust Bancorp, Inc. and Subsidiaries

SUPPLEMENTAL INFORMATION - Calculation of Non-GAAP Financial Measures (continued)

(Unaudited; Dollars in thousands)

The following tables present return on average tangible assets and adjusted return on average assets:
			Q3 2026			Q2 2026									Q3 2025						Q3 2026 vs. Q2 2026									Q3 2026 vs. Q3 2025
Return on Average Tangible Assets:
Net income, as reported			$19,381			$15,981									$10,846						$3,400			21.3		%				$8,535			78.7		%
Total average assets, as reported			$6,565,920			$6,464,026									$6,738,796						$101,894			1.6		%				($172,876)			(2.6		%)
Less average balances of:
Goodwill			63,909			63,909									63,909						—			—						—			—
Identifiable intangible assets, net			3,913			4,068									3,821						(155)			(3.8)						92			2.4
Total average tangible assets			$6,498,098			$6,396,049									$6,671,066						$102,049			1.6		%				($172,968)			(2.6		%)
Return on average assets (1)			1.17		%	0.99		%							0.64		%				18 bps									53 bps
Return on average tangible assets (non-GAAP) (2)			1.18		%	1.00		%							0.65		%				18 bps									53 bps

For the Nine Months Ended Sep 30,																											2026			2025						Change
Adjusted Return on Average Assets:
Net income, as reported																											$47,962			$36,270						$11,692			32.2		%
Less: total adjustments, after-tax																											—			417						(417)			(100.0)
Adjusted net income (non-GAAP)																											$47,962			$35,853						$12,109			33.8		%
Total average assets, as reported																											$6,532,208			$6,715,645						($183,437)			(2.7		%)
Return on average assets (1)																											0.98		%	0.72		%				26 bps
Adjusted return on average assets (non-GAAP) (3)																											0.98		%	0.71		%				27 bps
Return on Average Tangible Assets:
Adjusted net income (non-GAAP)																											$47,962			$35,853						$12,109			33.8		%
Total average assets, as reported																											$6,532,208			$6,715,645						($183,437)			(2.7		%)
Less average balances of:
Goodwill																											63,909			63,909						—			—
Identifiable intangible assets, net																											4,067			3,064						1,003			32.7
Total average tangible assets																											$6,464,232			$6,648,672						($184,440)			(2.8		%)
Return on average assets (1)																											0.98		%	0.72		%				26 bps
Return on average tangible assets (non-GAAP) (4)																											0.99		%	0.72		%				27 bps

(1)Net income divided by total average assets.

(2)Net income divided by total average tangible assets.

(3)Net income, adjusted for the after-tax impact of adjustments as outlined in the table above, divided by total average assets.

(4)Net income, adjusted for the after-tax impact of adjustments as outlined in the table above, divided by total average tangible assets.

-21-

Washington Trust Bancorp, Inc. and Subsidiaries
SUPPLEMENTAL INFORMATION - Calculation of Non-GAAP Financial Measures (continued)
(Unaudited; Dollars in thousands)
The following tables present return on average tangible equity and adjusted return on average equity:
			Q3 2026			Q2 2026									Q3 2025						Q3 2026 vs. Q2 2026									Q3 2026 vs. Q3 2025
Return on Average Tangible Equity:
Net income, as reported			$19,381			$15,981									$10,846						$3,400			21.3		%				$8,535			78.7		%
Total average equity, as reported			$553,390			$552,112									$528,315						$1,278			0.2		%				$25,075			4.7		%
Less average balances of:
Goodwill			63,909			63,909									63,909						—			—						—			—
Identifiable intangible assets, net			3,913			4,068									3,821						(155)			(3.8)						92			2.4
Total average tangible equity (non-GAAP)			$485,568			$484,135									$460,585						$1,433			0.3		%				$24,983			5.4		%
Return on average equity (1)			13.89		%	11.61		%							8.14		%				228 bps									575 bps
Return on average tangible equity   (non-GAAP) (2)			15.84		%	13.24		%							9.34		%				260 bps									650 bps

For the Nine Months Ended Sep 30,																											2026			2025						Change
Adjusted Return on Average Equity:
Net income, as reported																											$47,962			$36,270						$11,692			32.2		%
Less: total adjustments, after-tax																											—			417						(417)			(100.0)
Adjusted net income (non-GAAP)																											$47,962			$35,853						$12,109			33.8
Total average equity, as reported																											$552,959			$521,747						$31,212			6.0
Return on average equity (1)																											11.60		%	9.29		%				231 bps
Adjusted return on average equity (non-GAAP) (3)																											11.60		%	9.19		%				241 bps
Return on Average Tangible Equity:
Adjusted net income (non-GAAP)																											$47,962			$35,853						$12,109			33.8		%
Total average equity, as reported																											$552,959			$521,747						$31,212			6.0
Less average balances of:
Goodwill																											63,909			63,909						—			—
Identifiable intangible assets, net																											4,067			3,064						1,003			32.7
Total average tangible equity (non-GAAP)																											$484,983			$454,774						$30,209			6.6
Return on average equity (1)																											11.60		%	9.29		%				231 bps
Return on average tangible equity (non-GAAP) (4)																											13.22		%	10.54		%				268 bps

(1)Net income divided by total average equity.

(2)Net income divided by total average tangible equity.

(3)Net income, adjusted for the after-tax impact of adjustments as outlined in the table above, divided by total average equity.

(4)Net income, adjusted for the after-tax impact of adjustments as outlined in the table above, divided by total average tangible equity.

-22-

Washington Trust Bancorp, Inc. and Subsidiaries
SUPPLEMENTAL INFORMATION - Calculation of Non-GAAP Financial Measures (continued)
(Unaudited; Dollars in thousands, except per share amounts)
The following table presents tangible book value per share and the ratio of tangible equity to tangible assets:
			Sep 30, 2026			Jun 30, 2026									Sep 30, 2025						Sep 30, 2026 vs. Jun 30, 2026									Sep 30, 2026 vs. Sep 30, 2025
Tangible Book Value per Share:
Total shareholders' equity, as reported			$530,767			$553,523									$533,021						($22,756)			(4.1		%)				($2,254)			(0.4		%)
Less end of period balances of:
Goodwill			63,909			63,909									63,909						—			—		%				—			—		%
Identifiable intangible assets, net			3,837			3,992									4,458						(155)			(3.9		%)				(621)			(13.9		%)
Total tangible shareholders' equity (non-GAAP)			$463,021			$485,622									$464,654						($22,601)			(4.7		%)				($1,633)			(0.4		%)
Shares outstanding, as reported			19,081			19,071									19,050						10			0.1		%				31			0.2		%
Book value per share			$27.82			$29.02									$27.98						($1.20)			(4.1		%)				($0.16)			(0.6		%)
Tangible book value per share (non-GAAP)			$24.27			$25.46									$24.39						($1.19)			(4.7		%)				($0.12)			(0.5		%)
Tangible Equity to Tangible Assets:
Total tangible shareholders' equity			$463,021			$485,622									$464,654						($22,601)			(4.7		%)				($1,633)			(0.4		%)
Total assets, as reported			$6,538,491			$6,547,904									$6,717,921						($9,413)			(0.1		%)				($179,430)			(2.7		%)
Less end of period balances of:
Goodwill			63,909			63,909									63,909						—			—		%				—			—		%
Identifiable intangible assets, net			3,837			3,992									4,458						(155)			(3.9		%)				(621)			(13.9		%)
Total tangible assets (non-GAAP)			$6,470,745			$6,480,003									$6,649,554						($9,258)			(0.1		%)				($178,809)			(2.7		%)
Equity to assets			8.12		%	8.45		%							7.93		%				(33) bps									19 bps
Tangible equity to tangible assets (non-GAAP)			7.16		%	7.49		%							6.99		%				(33) bps									17 bps

-23-

Filing Exhibits & Attachments

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