)
Visual21 Oct 2025
Hermès' growth by geographical region visualized
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.Q3 2025 earnings summary21 Oct, 2025
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%.
Future credit loss expectations post-charge-offs?
Impact of recent strategic growth investments?
Sustainability of lower funding costs and NIM expansion?
Confidence in other office portfolio valuations?
Capital allocation for future growth initiatives?
Expected impact of new CCO on commercial growth?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Washington Trust Bancorp earnings date
Q4 202527 Jan, 2026
Next Washington Trust Bancorp earnings date
Q4 202527 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage