Washington Trust Q3 net income $10.8M, EPS $0.56; provision jumps to $7M

WASHINGTON TRUST BANCORP INC

2025-Q3 EPS reported $1.88 vs consensus $0.47 ▲ beat (+296.8%)

Net income $10.8M, diluted EPS $0.56, down from $13.2M ($0.68) in Q2 2025.
Net interest margin 2.40%, up 4 bps QoQ; net interest income $38.8M, +4% QoQ.
Provision for credit losses $7.0M vs $650K prior quarter; charge-offs $11.4M on two commercial loans.
Nonaccrual loans fell to $14.0M (0.27% of loans) from $26.1M; in-market deposits grew 4% QoQ.
Quarterly dividend $0.56/share paid Oct 10; $6.4M share repurchases in Q3.

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