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Washington Trust Bancorp (WASH) investor relations material
Washington Trust Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q3 2025 was $10.8 million ($0.56 per share), down from $13.2 million ($0.68 per share) in Q2, impacted by elevated provision for credit losses due to two resolved credit exposures.
Core business lines showed strong performance, with increases in margin, wealth revenues, mortgage revenue, and in-market deposit growth.
Completed acquisition of $195 million in AUM from Lighthouse Financial and expanded the wealth management team.
Hired a new Chief Commercial Banking Officer to drive commercial relationship growth.
Two significant credit exposures were resolved, with confidence in ongoing portfolio quality.
Financial highlights
Net interest income was $38.8 million, up 4% from Q2 and 20% year-over-year.
Noninterest income rose to $17.6 million, up 3% sequentially.
Pre-provision pre-tax revenue up 17% sequentially and 48% year-over-year.
Non-interest income made up 31% of revenue, up 3% from Q2 and 8% year-over-year.
Mortgage banking revenues rose 15% sequentially and 22% year-over-year to $3.5 million.
Outlook and guidance
Expecting margin expansion of approximately 5 basis points in Q4.
Loan growth guidance remains at low single digits for the year, with a healthy pipeline.
Non-interest expense expected to be around $37 million in Q4, in line with original guidance.
No additional share repurchases planned for the remainder of the year; capital will be preserved to support growth.
Full-year 2025 effective tax rate expected to be approximately 22.5%.
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