---
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"
generated_at: "2026-05-16T07:13:59.144947+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Washington Trust Q4 net income $16.0M, EPS $0.83; full-year profit vs loss in 2024

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000737468-26-000026
- JSON: https://secwatch.observer/filing/0000737468-26-000026.json
- Plain text: https://secwatch.observer/filing/0000737468-26-000026.txt

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