The Washington Trust Company, of Westerly

Headquarters: Westerly, Rhode Island
Charter: Bank
Assets: $6.6B
Fed district: Boston
Regulator: FDIC
Holding company: Washington Trust Bancorp Inc.

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

Source: its fee schedule, read Oct 14, 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 14, 2026

How these figures are measured

Call-report figures are for The Washington Trust Company, of Westerly 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.	The Washington Trust Company, of Westerly's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The Washington Trust Company, of Westerly (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 $853K in Q2 2026, 4.2% above the same quarter a year earlier ($819K).
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
The Washington Trust Company, of Westerly: $5 to $30
The Washington Trust Company, of Westerly: $5 to $30
U.S. median: no median
Non-Network ATM
The Washington Trust Company, of Westerly: $2
The Washington Trust Company, of Westerly: $2
U.S. median: no median
Stop Payment
Compared at $32.50, the middle of its prices
The Washington Trust Company, of Westerly: $30 to $35
The Washington Trust Company, of Westerly: $30 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Rhode Island, the Boston 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).
Rhode Island: Banks and credit unions headquartered in Rhode Island that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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 6.4% from Q3 2025 to Q2 2026, to $853K.

Service-charge income, Q2 2026

$853K

$802KQ3 2025

$838KQ4 2025

$808KQ1 2026

$853KQ2 2026

Against the median

The Washington Trust Company, of WesterlyMedian

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

The Washington Trust Company, of Westerly · $6.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$6B to $7.2B in assets
Headquartered in 16 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
The Washington Trust Company, of Westerly(this institution)	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banesco USA	Miami, FL	$6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bradesco Bank	Coral Gables, FL	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cambridge Savings Bank	Cambridge, MA	$7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
CFG Bank	Lutherville, MD	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Trust Bank, Inc.	Pikeville, KY	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First International Bank & Trust	Watford City, ND	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Five Star Bank	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Johnson Bank	Racine, WI	$7.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake City Bank	Warsaw, IN	$7.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mercantile Bank	Grand Rapids, MI	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Republic Bank & Trust Company	Louisville, KY	$7.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank	Sacramento, CA	$6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shore United Bank, National Association	Easton, MD	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Camden National Bank	Camden, ME	$6.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers National Bank of Canfield	Canfield, OH	$7.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wilson Bank and Trust	Lebanon, TN	$6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.26 (52%) above the median of similar-sized banks.

Compared at $12.50, the middle of its four prices, against a peer median of $8.24 among 16 publishing peers.

Its four checking prices are $5, $10, $15 and $30.

$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

The Washington Trust Comp…: 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 The Washington Trust Company, of Westerly (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: $853K
vs prior quarter: +$45K+5.6%; from Q1 2026
vs a year earlier: +$34K+4.2%; from Q2 2025
vs start of range: +$115K+15.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Washington Trust Company, of Westerly (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	$853K	+$45K	+5.6%
Q1 2026	$808K	−$30K	−3.6%
Q4 2025	$838K	+$36K	+4.5%
Q3 2025	$802K	−$17K	−2.1%
Q2 2025	$819K	+$56K	+7.3%
Q1 2025	$763K	−$27K	−3.4%
Q4 2024	$790K	+$52K	+7.0%
Q3 2024	$738K	−$36K	−4.7%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from The Washington Trust Company, of Westerly’s own schedules, with a source for each figure.

Account Maintenance

Freedom Ultra Checking monthly service charge$30
per month
Monthly fee when the primary account holder reaches 23 years of age.$5
per month
Monthly Maintenance$10
per month
Monthly Maintenance$15
per month
Escheatment fee$50
Inactivity fee$20
Account Research (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Statement$5

ATM & Card

ATM cash withdrawal at non-WTC ATMs$2
Lost Debit Card Replacement Fee$10
Expedited Debit Card$50

Check Services

Cashier’s Checks$8
Money Orders$5
Stop Payment (For payments issued via our Bill Payment Service)$35
Stop Payments$30
Temporary Check Sheet$5
Foreign Items sent for collection$95
� Canadian Checks � Foreign Items � Foreign Items sent for collection$25
Not compared: Charged per hour; comparison unavailable
per hour

Digital & Electronic

Bill Payment$50
Expedited Bill Payment$8

Account Services

Drilling Fee$175
Not compared: Box drilling or key fee
Lost Key Replacement Fee$20
Not compared: Box drilling or key fee
Legal Fees (garnishments, executions, levies, etc.)$125

Other Fees

Copy of Statement$2
Copy of Statement$6

Fee	Amount	Basis	Note
Account Maintenance
Freedom Ultra Checking monthly service charge	$30	per month	None
Monthly fee when the primary account holder reaches 23 years of age.	$5	per month	None
Monthly Maintenance	$10	per month	None
Monthly Maintenance	$15	per month	None
Escheatment fee	$50	Not stated	None
Inactivity fee	$20	Not stated	None
Account Research (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Statement	$5	Not stated	None
ATM & Card
ATM cash withdrawal at non-WTC ATMs	$2	Not stated	None
Lost Debit Card Replacement Fee	$10	Not stated	None
Expedited Debit Card	$50	Not stated	None
Check Services
Cashier’s Checks	$8	Not stated	None
Money Orders	$5	Not stated	None
Stop Payment (For payments issued via our Bill Payment Service)	$35	Not stated	None
Stop Payments	$30	Not stated	None
Temporary Check Sheet	$5	Not stated	None
Foreign Items sent for collection	$95	Not stated	None
� Canadian Checks � Foreign Items � Foreign Items sent for collection	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Digital & Electronic
Bill Payment	$50	Not stated	None
Expedited Bill Payment	$8	Not stated	None
Account Services
Drilling Fee	$175Not compared: Box drilling or key fee	Not stated	None
Lost Key Replacement Fee	$20Not compared: Box drilling or key fee	Not stated	None
Legal Fees (garnishments, executions, levies, etc.)	$125	Not stated	None
Other Fees
Copy of Statement	$2	Not stated	None
Copy of Statement	$6	Not stated	None

Correct a fee source

Oct 14, 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 The Washington Trust Company, of Westerly operates, and what regulators and customers have on file.

Market position

In Providence-Warwick, RI-MA, The Washington Trust Company, of Westerly holds 8.5% of bank deposits, #3 of 22, with 28 offices.

Compare fees with the 38 Providence-Warwick, RI-MA banks and credit unions in its home-metro peer set →

Offices in the metro

496 offices of 56 institutions shown.

The Washington Trust Company, of WesterlyOther banksCredit unions

Showing 496 of 497 offices: the largest institutions' offices, with banks and credit unions in proportion.

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: Providence-Warwick, RI-MA metro (FDIC metro code 39300), 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: 8 offices have no coordinates on file

Share of bank deposits

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

1Citizens Bank, National Association28.1%
2Bank of America, National Association19.6%
3The Washington Trust Company, of Westerly8.5%
4Santander Bank, N.A.6.9%
5Beacon Bank and Trust4.6%
6Bristol County Savings Bank4.3%
7BankNewport4.0%
8BayCoast Bank3.9%

8 of 22 institutions shown. $61.9B 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: Providence-Warwick, RI-MA metro (FDIC metro code 39300)
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: 8.5% share, 28 offices, #3 of 22

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: Providence-Warwick, RI-MA 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

141 offices of 35 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.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

WASHINGTON TRUST BANCORP INC (Nasdaq: WASH)

Consolidated assets

$6.5B

Shareholders' equity

$553.5M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-KFORM 8-K2026-10-19View
10-Q10-Q2026-08-06View
8-KFORM 8-K2026-07-20View
8-K8-K2026-05-12View
10-QFORM 10-Q 3-31-20262026-05-07View
8-K8-K2026-05-01View
8-KFORM 8-K2026-04-20View
DEF 14ADEF 14A2026-03-17View
10-KFORM 10-K 12-31-20252026-02-24View
8-K8-K2026-02-18View
8-KFORM 8-K2026-01-28View
10-QFORM 10-Q 9-30-20252025-11-06View

Source: SEC EDGAR filings and XBRL financial data, CIK 737468. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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