The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 7 points (53 → 60), mostly because the earnings component improved by 19 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Washington

Yes. Washington Trust Bank is an FDIC-insured institution (FDIC certificate #1281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 57.3% of deposits ($5.1B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.17% (benchmark: 10%).

Check how much of your own balance is covered

Washington Trust Bank lists 44 offices in 29 cities across 3 states. Most locations:

• Spokane, WA (13)
• Boise, ID (2)
• Nampa, ID (2)
• Wenatchee, WA (2)
• Bellevue, WA (1)
• Bellingham, WA (1)
• Bend, OR (1)
• Coeur D Alene, ID (1)
• Deer Park, WA (1)
• East Wenatchee, WA (1)
• Ephrata, WA (1)
• Garden City, ID (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 19 consumer complaints about Washington Trust Bank Financial Corporation to the company (9 in the last 12 months). 94.7% received a timely response. That is 2.2 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

In 2025, Washington Trust Bank reported 2,142 home-loan applications under HMDA (LEI 549300P2GEYNMH5OQA71): 1,422 originated ($634,270,000 total), 418 denied, and 284 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Washington Trust Bank

Former names

The Washington Trust Bank

Type

State-chartered bank

FDIC certificate #

1281

RSSD ID

58971

Primary regulator

FDIC

Holding company

W T B Financial Corp

Established

November 3, 1902

Headquarters

717 W Sprague Ave, Spokane, WA 99201

Website

www.watrust.com

Employees

1,242