Compared with Rhode Island
8 of 10
compared fees are above the median.
0 below, 2 about the same.
About the same: within 1% of the median.
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
29th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Rhode Island median
of 10 compared; 0 below, 2 about the same
See the feesFee schedule read Oct 14, 2026
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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Rhode Island median | Published fees above the Rhode Island 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
Service charges were 1.4% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (29th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
8 of 10 compared published fees sit above the Rhode Island median; 0 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Rhode Island medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
Non-Network ATM
Stop Payment
Compared at $32.50, the middle of its prices
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.
Service-charge income rose 6.4% from Q3 2025 to Q2 2026, to $853K. Its share of revenue, 1.4%, is below the 2.2% median for banks with $1B to $10B in assets.
$853K
The Washington Trust Company, of WesterlyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $30; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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 Oct 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for The Washington Trust Company, of Westerly (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, The Washington Trust Company, of Westerly left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Washington Trust Company, of Westerly by share.
Amounts from The Washington Trust Company, of Westerly’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Freedom Ultra Checking monthly service charge | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee when the primary account holder reaches 23 years of age. | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Statement | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| ATM cash withdrawal at non-WTC ATMs | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Lost Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Debit Card | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (For payments issued via our Bill Payment Service) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check Sheet | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Items sent for collection | $95Above the U.S. middle 50% ($10 to $26 nationally) | 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 | $50Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Expedited Bill Payment | $8Above the U.S. middle 50% ($0 to $6 nationally) | 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.) | $125Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Statement | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where The Washington Trust Company, of Westerly operates, and what regulators and customers have on file.
Branch footprint
29 offices in 2 states, $5.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 28 | $5.3B | |
| 1 | $98.7M |
Providence-Warwick, RI-MA
8.5% of bank deposits, #3 of 22, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citizens Bank, National Association | 28.1% |
| Bank of America, National Association | 19.6% |
| Santander Bank, N.A. | 6.9% |
| Beacon Bank and Trust | 4.6% |
| Bristol County Savings Bank | 4.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Providence-Warwick, RI-MA, The Washington Trust Company, of Westerly holds 8.5% of bank deposits, #3 of 22, with 28 offices.
496 offices of 56 institutions shown.
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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 22 institutions shown. $61.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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 1, 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
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
We check once a day and send one email covering every change.