Washington Trust Bank

Headquarters: Spokane, Washington
Charter: Bank
Assets: $10.5B
Fed district: San Francisco

10 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 22, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 22, 2026

How these figures are measured

Call-report figures are for Washington Trust Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Washington Trust Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 22, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Washington Trust Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $1.7M in Q2 2026, 11% above the same quarter a year earlier ($1.5M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $12.50, the middle of its prices
Washington Trust Bank: $4 to $20
Washington Trust Bank: $4 to $20
U.S. median: no median
Overdraft (OD)
Washington Trust Bank: $15
Washington Trust Bank: $15
U.S. median: no median
NSF / Returned Item
Washington Trust Bank: $15
Washington Trust Bank: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 8.0% from Q3 2025 to Q2 2026, to $1.7M.

Service-charge income, Q2 2026

$1.7M

$1.6MQ3 2025

$1.6MQ4 2025

$2.3MQ1 2026

$1.7MQ2 2026

Against the median

Washington Trust BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Washington Trust Bank · $10.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$9B to $12.2B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Washington Trust Bank(this institution)	Spokane, WA	$10.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Source Bank	South Bend, IN	$9.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Amalgamated Bank	New York, NY	$9.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Amarillo National Bank	Amarillo, TX	$10.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Amerant Bank, National Association	Coral Gables, FL	$10.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Savings Bank, National Association	Honolulu, HI	$9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Beal Bank USA	Las Vegas, NV	$11B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Burke & Herbert Bank & Trust Company	Alexandria, VA	$11B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Byline Bank	Chicago, IL	$9.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capitol Federal Savings Bank	Topeka, KS	$9.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Centier Bank	Whiting, IN	$10.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Columbia Bank	Fair Lawn, NJ	$12.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers and Merchants Bank of Long Beach	Long Beach, CA	$11.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commonwealth Bank	Indiana, PA	$12.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Laredo, TX	$10.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Bank	Middletown, CT	$9.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oriental Bank	San Juan, PR	$12B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Origin Bank	Choudrant, LA	$10.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank	Marietta, OH	$9.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pinnacle Bank	Lincoln, NE	$9.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Principal Bank	Des Moines, IA	$9.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
RBC Bank, (Georgia) National Association	Atlanta, GA	$9.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
S&T Bank	Indiana, PA	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Stock Yards Bank & Trust Company	Louisville, KY	$10.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tri Counties Bank	Chico, CA	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Woodforest National Bank	The Woodlands, TX	$9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(monthly maintenance)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (25%) above the median of similar-sized banks.

Compared at $12.50, the middle of its six prices, against a peer median of $10 among 19 publishing peers.

Its six checking prices are $4, $8, $10, $15, $20 and $20.

$12.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Washington Trust Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Washington Trust Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.7M
vs prior quarter: −$550K−24.3%; from Q1 2026
vs a year earlier: +$172K+11.2%; from Q2 2025
vs start of range: +$157K+10.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Washington Trust Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.7M	−$550K	−24.3%
Q1 2026	$2.3M	+$699K	+44.8%
Q4 2025	$1.6M	−$22K	−1.4%
Q3 2025	$1.6M	+$45K	+2.9%
Q2 2025	$1.5M	−$552K	−26.4%
Q1 2025	$2.1M	+$580K	+38.4%
Q4 2024	$1.5M	−$43K	−2.8%
Q3 2024	$1.6M	+$86K	+5.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Washington Trust Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$10
per month
Monthly service charge$15
per month
Monthly Service Charge$8
per month
Monthly Service Charge$4
per month
Monthly service charge (Signature Checking)$20
per month
Monthly service charge (Signature Checking)$20
per month

Overdraft & NSF

Overdraft courtesy refund$15
per item
Paid Overdraft Fee$15
Returned Item Fee$15

ATM & Card

Other ATMs$2.50
per transaction
Expedited Card Shipping Fee (Domestic Only)$30
International Service Assessment1%of the transaction

Wire Transfers

Domestic Wire Transfer - Outgoing$25
On-Us Wire Transfer - Outgoing$7
Online Domestic Wire Transfer - Outgoing$10
On-Us Wire Transfer - Incoming$7
Foreign Wire Transfer - Outgoing$40
Online Foreign Wire Transfer - Outgoing$25

Check Services

Stop Payment Fee$20

Account Services

Box Drilling$25
Not compared: Box drilling or key fee
Key Replacement$15
Not compared: Box drilling or key fee
per item
Garnishments/Levies$75

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$10	per month	None
Monthly service charge	$15	per month	None
Monthly Service Charge	$8	per month	None
Monthly Service Charge	$4	per month	None
Monthly service charge (Signature Checking)	$20	per month	None
Monthly service charge (Signature Checking)	$20	per month	None
Overdraft & NSF
Overdraft courtesy refund	$15	per item	None
Paid Overdraft Fee	$15	Not stated	None
Returned Item Fee	$15	Not stated	None
ATM & Card
Other ATMs	$2.50	per transaction	None
Expedited Card Shipping Fee (Domestic Only)	$30	Not stated	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Domestic Wire Transfer - Outgoing	$25	Not stated	None
On-Us Wire Transfer - Outgoing	$7	Not stated	None
Online Domestic Wire Transfer - Outgoing	$10	Not stated	None
On-Us Wire Transfer - Incoming	$7	Not stated	None
Foreign Wire Transfer - Outgoing	$40	Not stated	None
Online Foreign Wire Transfer - Outgoing	$25	Not stated	None
Check Services
Stop Payment Fee	$20	Not stated	None
Account Services
Box Drilling	$25Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$15Not compared: Box drilling or key fee	per item	None
Garnishments/Levies	$75	Not stated	None

Correct a fee source

Oct 22, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Washington Trust Bank operates, and what regulators and customers have on file.

Market position

In Spokane-Spokane Valley, WA, Washington Trust Bank holds 31.8% of bank deposits, #1 of 17, with 16 offices.

Compare fees with the 31 Spokane-Spokane Valley, WA banks and credit unions in its home-metro peer set →

Offices in the metro

175 offices of 45 institutions shown.

Washington Trust BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Spokane-Spokane Valley, WA metro (FDIC metro code 44060), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 3 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Washington Trust Bank31.8%
2Wells Fargo Bank, National Association11.6%
3JPMorgan Chase Bank, National Association11.0%
4U.S. Bank National Association10.3%
5Banner Bank8.7%
6Bank of America, National Association8.2%
7Columbia Bank4.8%
8First Interstate Bank4.7%

8 of 17 institutions shown. $10.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Spokane-Spokane Valley, WA metro (FDIC metro code 44060)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 31.8% share, 16 offices, #1 of 17

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Spokane-Spokane Valley, WA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

93 offices of 28 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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