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Washington Trust Bancorp (WASH) investor relations material
Washington Trust Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $13.2M ($0.68/share), up 22% year-over-year and 8% sequentially, with adjusted net income also at $13.2M, driven by higher net interest income and core business growth.
Diluted EPS for Q2 2025 was $0.68, up from $0.63 in Q2 2024 and Q1 2025; adjusted EPS was $0.68 versus $0.59 prior year.
Return on average assets for Q2 2025 was 0.80%, and return on average equity was 10.14%.
Achieved growth in net interest income, wealth management, and mortgage banking revenue, with loan and deposit growth on target.
Enhanced wealth management team and finalized core system conversion to improve client experience.
Financial highlights
Net interest income for Q2 2025 rose to $37.2M, up 18% year-over-year and 2% sequentially; net interest margin increased to 2.36%.
Noninterest income was $17.1M, up 3% year-over-year; adjusted noninterest income up 9% sequentially.
Noninterest expense was $36.5M, up 8% year-over-year; adjusted expense up 2% sequentially.
Provision for credit losses was $600K in Q2 2025, up 20% year-over-year but down from $1.2M in Q1.
Total assets at June 30, 2025 were $6.75B, with total loans of $5.14B and total deposits of $5.05B.
Outlook and guidance
Margins expected to level out with modest expansion in Q3; higher deposit costs anticipated.
Loan growth guidance remains low single digits for the year, supported by a growing pipeline.
Full-year 2025 effective tax rate projected at 22.4%.
Management expects continued benefits from balance sheet repositioning and strong capital positions.
One de novo branch planned for mid-next year.
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Next Washington Trust Bancorp earnings date
Q3 202521 Oct, 2025
Next Washington Trust Bancorp earnings date
Q3 202521 Oct, 2025
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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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