{"schema_version":"secwatch.filing_event.v1","accession":"0000737468-26-000026","form_type":"8-K","ticker":"WASH","cik":"0000737468","company_name":"WASHINGTON TRUST BANCORP INC","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.618958+00:00","generated_at":"2026-05-16T07:13:59.144947+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Washington Trust Q4 net income $16.0M, EPS $0.83; full-year profit vs loss in 2024","bullets":["Q4 2025 net income $16.0M ($0.83 diluted EPS) vs Q3 $10.8M ($0.56) and 2024 full-year $52.2M ($2.71) vs 2024 net loss $28.1M (($1.63)).","Net interest margin 2.56%, up 16 bps QoQ; full-year NIM 2.40%, up 53 bps from 2024.","Wealth management revenues $10.9M (+5% QoQ); mortgage banking revenues $3.3M (+14% YoY).","Loans stable at $5.1B; in-market deposits up 1% QoQ and 9% YoY; total risk-based capital ratio 12.95%.","Nonaccrual loans fell to $12.9M (0.25% of loans) vs $14.0M (0.27%) prior quarter; net recoveries of $160K vs net charge-offs $11.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0000737468-26-000026","json":"https://secwatch.observer/filing/0000737468-26-000026.json","markdown":"https://secwatch.observer/filing/0000737468-26-000026.md","text":"https://secwatch.observer/filing/0000737468-26-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/737468/000073746826000026/0000737468-26-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/737468/000073746826000026/wash-20260128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:13:59.144947+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}