Revenue: As of FY2025, the actual value is USD 393.95 M.EPS: As of FY2025, the actual value is USD 2.71, beating the estimate of USD 2.6234.<h3>Commercial Banking Segment</h3><ul><li>Net Interest Income: $153.2 million for 2025, an increase of $24.7 million or 19% from $128.4 million for 2024. </li><li>Provision for Credit Losses: $9.2 million for 2025, an increase of $6.8 million or 283% from $2.4 million for 2024. </li><li>Net Income: $45.2 million for 2025, compared to - $38.8 million for 2024. </li><li>Noninterest Income: $33.9 million for 2025, compared to - $69.6 million for 2024. Excluding infrequent transactions, noninterest income increased by $3.4 million or 14%. </li><li>Noninterest Expense: $119.9 million for 2025, an increase of $11.1 million or 10% from $108.8 million for 2024. Excluding the pension plan settlement charge of $4.9 million allocated to this segment, noninterest expenses increased by $6.2 million or 6%. </li><li>Total Loans: $5.1 billion at December 31, 2025, a decrease of - $3.5 million or -0.1% from December 31, 2024. <ul><li>Commercial Loan Portfolio: Represented 54% of total loans at December 31, 2025, compared to 52% at December 31, 2024. <ul><li>Commercial Real Estate (CRE) Loans: $2.2 billion at December 31, 2025, an increase of $29.5 million or 1% from December 31, 2024. Multi-family loans were $667.4 million (31% of CRE total) with 100% pass-rated credit quality, while office loans were $237.7 million (11% of CRE total) with 73% pass-rated, 24% special mention, and 3% classified. </li><li>Commercial &amp; Industrial (C&amp;I) Loans: $564.1 million at December 31, 2025, an increase of $21.6 million or 4% from December 31, 2024. Healthcare and social assistance loans amounted to $150.1 million (27% of C&amp;I total) with 89% pass-rated and 11% special mention. </li></ul></li><li>Residential Real Estate Loan Portfolio: Totaled $2.1 billion at December 31, 2025, a decrease of - $75.8 million or -4% from December 31, 2024. </li><li>Consumer Loan Portfolio: Totaled $335.9 million at December 31, 2025, an increase of $21.2 million or 7% from December 31, 2024. </li></ul></li></ul><h3>Wealth Management Services Segment</h3><ul><li>Noninterest Income: $42.0 million for 2025, an increase of $0.2 million or 0.4% from $41.8 million for 2024. Excluding a litigation settlement income of $2.1 million in 2024, noninterest income increased by $2.3 million or 6%, driven by asset-based revenues. </li><li>Noninterest Expense: $32.5 million for 2025, an increase of $4.2 million or 15% from $28.3 million for 2024. Excluding the pension plan settlement charge of $1.5 million allocated to this segment, noninterest expenses increased by $2.7 million or 10%. </li><li>Net Income: $7.1 million for 2025, compared to $10.8 million for 2024. </li><li>Assets Under Administration (AUA): $7.8 billion at December 31, 2025, an increase from $7.1 billion at December 31, 2024. This increase reflected net investment appreciation and the acquisition of $195.4 million in AUA from Lighthouse in July 2025. </li></ul><h3>Outlook / Guidance</h3>华盛顿信托银行 plans to open a new full-service branch in Pawtucket, Rhode Island, in the latter half of 2026. The company anticipates net interest income trending higher over the next 12- and 24-month periods, assuming an unchanged rate scenario. Management expects 华盛顿信托银行 to continue generating adequate earnings to support future dividends.

Washington Trust Bancorp | 10-K: FY2025 Revenue: USD 393.95 M