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Washington Trust Bancorp, Inc., parent of The Washington Trust Company, reports a balance-sheet-focused overview for the year ended December 31, 2025. The Rhode Island-based financial holding company had total assets of $6.6 billion, deposits of $5.3 billion, and shareholders’ equity of $543.6 million.
Total loans were $5.1 billion, or 78% of assets, led by commercial lending, which comprised 54% of loans, heavily concentrated in commercial real estate. Residential mortgages represented 40% of loans and consumer credits 6%. Investment securities totaled $940.3 million, mainly agency mortgage-backed securities.
Funding is anchored by core deposits and supplemented by wholesale tools, including $626.0 million of FHLB advances and brokered deposits, with $1.4 billion in available FHLB capacity. Wealth management is a key fee business, with $7.8 billion in assets under administration.
The company highlights extensive regulatory oversight, capital rules, dividend constraints, and detailed risk factors, including interest rate sensitivity, regional economic concentration in southern New England, commercial real estate exposure, liquidity and funding risk, cybersecurity, operational dependencies on third-party vendors, and heightened compliance and consumer protection requirements.
Washington Trust Bancorp, Inc. adopted a new Divisional Growth Incentive Plan for key banking leaders. On February 17, 2026, the board’s Compensation & Human Resources Committee approved this plan for the Bank’s Chief Commercial Banking Officer, Chief Retail Banking Officer, Chief Wealth Management Officer and Chief Retail Lending Officer.
The plan is intended to reward these executives for achieving goals such as disciplined loan growth, stronger core deposit funding, maintaining solid asset quality, increasing revenue, and advancing strategic initiatives. Payouts can range from 0% to 150% of target, based on performance metrics set by the Committee, and all awards are granted under the existing 2022 Long Term Incentive Plan.
Washington Trust Bancorp executive updates prior insider filing with corrected share figures. An executive officer acquired 3,438 shares of common stock on 01/22/2026 at a reported price of $0, increasing her directly held stake. A subsequent transaction on 01/23/2026 withheld 53 shares at $30.17, likely for tax purposes, leaving 12,912 common shares directly owned. This Form 4/A amendment corrects an administrative error in the original 01/26/2026 filing, which had understated the 01/22/2026 acquisition as 2,710 shares instead of the actual 3,438 shares.
Washington Trust Bancorp, Inc. filed a current report stating that it released unaudited financial information for its fourth quarter 2025 consolidated earnings. The company issued a press release dated January 28, 2026, and attached it as Exhibit 99.1, which is incorporated by reference for detailed results.
The report clarifies that this earnings information is being furnished, not filed, under securities laws, meaning it is not automatically incorporated into other Securities Act or Exchange Act filings unless specifically referenced.
Washington Trust Bancorp executive William K. Wray Sr., SEVP and Chief Risk Officer, reported changes in his holdings of the company’s common stock. On January 22, 2026, he acquired 2,710 shares at $0 per share, which typically reflects a stock award or similar grant. On January 23, 2026, 65 shares were disposed of at $30.17 per share under code “F,” indicating shares withheld to cover taxes or similar obligations. After these transactions, he directly owns 16,919 common shares. He also reports indirect beneficial ownership of 877 shares through the Nancy H Wray Rev Trust 2008 and 877 shares through the William K Wray Sr Revoc Tru 08.
Washington Trust Bancorp executive Kathleen A. Ryan, EVP and Chief Wealth Management, reported changes in her holdings of the company’s common stock. On January 22, 2026, she acquired 2,710 shares of common stock at $0 per share, increasing her directly held position to 15,957 shares. On January 23, 2026, 55 shares were disposed of at $30.17 per share in a transaction coded "F", typically used for shares withheld to cover taxes, leaving her with 15,902 directly owned shares.
A footnote explains that this balance now includes 4,362 shares that were previously held indirectly in The Kathleen Ryan Declaration of Trust dated March 7, 2008, and are now owned directly by her. She also holds stock options to buy 2,000 shares of common stock at an exercise price of $40.25 expiring on October 18, 2026, and options to buy 1,800 shares at $58.05 expiring on October 17, 2027.
Washington Trust Bancorp executive reports small stock moves by SEVP, CFO and Treasurer Ronald S. Ohsberg. On January 22, 2026, he acquired 2,970 shares of common stock at $0 per share, increasing his direct holdings. On January 23, 2026, he disposed of 72 shares of common stock at $30.17 per share. After these transactions, he directly owned 26,449.489 shares of Washington Trust Bancorp common stock. A footnote explains that the reported balance also reflects acquisitions from dividend reinvestments under Rule 16a-11.
Washington Trust Bancorp’s President and COO, Mary E. Noons, reported several stock transactions in company common shares. On January 22, 2026, she acquired 3,670 shares of common stock at $0 per share, bringing her holdings to 29,692.99 shares directly owned. On January 23, 2026, a transaction coded “F” involved 126 shares at $30.17 per share, leaving her with 29,566.99 shares. On January 24, 2026, another “F” transaction covered 129 shares at $30.17 per share, resulting in 29,437.99 shares of Washington Trust Bancorp common stock held directly.
Washington Trust Bancorp (WASH) executive Lora Rolando, EVP Ch Ret Len Off Dir Com Len, reported routine share transactions in company common stock. On January 22, 2026, she acquired 2,710 shares at $0 per share, increasing her direct holdings. On January 23, 2026, she disposed of 53 shares at $30.17 per share. After these transactions, she directly owned 12,184 shares of Washington Trust Bancorp common stock.
Washington Trust Bancorp executive Michelle L. Kile, EVP and Chief Retail Banking, reported acquiring additional company shares. On 01/22/2026, she acquired 2,710 shares of common stock at a stated price of $0 per share, which typically indicates an award rather than an open-market purchase. Following this transaction, she beneficially owned 7,145 common shares, held in direct ownership. The filing does not list any derivative securities transactions.