---
schema_version: "secwatch.filing_event.v1"
accession: "0000737468-25-000057"
form_type: "8-K"
ticker: "WASH"
cik: "0000737468"
company_name: "WASHINGTON TRUST BANCORP INC"
filed_at: "2025-10-20T23:59:59+00:00"
generated_at: "2026-05-17T03:19:14.349895+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000737468-25-000057
- form_type: 8-K
- ticker: WASH
- cik: 0000737468
- company_name: WASHINGTON TRUST BANCORP INC
- filed_at: 2025-10-20T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/737468/000073746825000057/0000737468-25-000057-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/737468/000073746825000057/wash-20251020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000737468-25-000057
- JSON: https://secwatch.observer/filing/0000737468-25-000057.json
- Plain text: https://secwatch.observer/filing/0000737468-25-000057.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.