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Washington Trust Bancorp
Washington Trust Bancorp (WASH) investor relations material
Washington Trust Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Q4 2025 net income was $16 million ($0.83 per share), up from $10.8 million ($0.56 per share) in Q3; full-year 2025 net income was $52.2 million ($2.71 per share) versus a net loss of $28.1 million in 2024.
Adjusted full-year 2025 net income was $51.8 million ($2.69 per share), up from $40.9 million ($2.37 per share) in 2024, excluding infrequent transactions.
Results driven by margin expansion, in-market deposit growth, and higher wealth management and mortgage banking revenues.
Strategic investments included the acquisition of Lighthouse Financial Management's wealth assets and hiring a new Chief Commercial Banking Officer, with a dedicated institutional banking team added in early 2026.
A new branch is set to open in Pawtucket, RI, later in 2026, expanding presence in a high-growth area.
Financial highlights
Net interest income for Q4 2025 was $40.7 million, up 5% sequentially and 24% year-over-year; net interest margin rose to 2.56%.
Noninterest income increased 5% to $18.5 million, with wealth management revenues up 5% and mortgage banking revenues up 14% year-over-year.
Noninterest expense was $38 million in Q4, up 6% sequentially, mainly due to higher compensation and a $1 million charitable contribution; full-year effective tax rate was 22.5%.
Full-year 2025 net interest income was $153.2 million, up 19% from 2024.
Mortgage banking revenues were $3.3 million, down 7% sequentially but up 14% year-over-year; full-year mortgage originations rose 31% to $667 million.
Outlook and guidance
NIM expected to benefit from a swap termination, with a projected Q4 2026 range of 2.78%-2.82%, assuming no Fed funds rate changes.
Q1 2026 expenses projected to rise 6% due to merit raises, new hires, and increased insurance costs; full-year non-salary expenses expected to rise 5%.
Loan growth targeted at 5% year-over-year, with CRE expected to grow 4-5% and C&I growth anticipated to outpace CRE.
Charitable foundation contribution for 2026 estimated at $750,000.
Management expects a full-year 2026 effective tax rate of approximately 22.0%.
NIM drivers: What's sustainable into 2026?
Commercial office portfolio asset quality outlook?
Impact of institutional banking team on deposits?
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Next Washington Trust Bancorp earnings date
Q1 202620 Apr, 2026
Washington Trust Bancorp
Next Washington Trust Bancorp earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
Washington Trust Bancorp Inc. is the parent company of The Washington Trust Company, a state-chartered bank. It provides personal and business banking, mortgage lending, and wealth management services. The company operates in the northeastern United States through branches and financial advisory offices. The company is headquartered in Westerly, Rhode Island, and its shares are listed on the NASDAQ.
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