HIGHBuilt-inLoan_portfolio
54%
commercial loans
“10-K Item 1A: 'At December 31, 2025, commercial loans represented 54% of our loan portfolio.'”
WASH · Concentration risk · 10-K extracted
Washington Trust Bancorp (WASH) concentration risks
Updated
The most significant concentration Washington Trust Bancorp discloses is commercial loans at 54%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Washington Trust Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH2
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inGeographic
southern New England
“10-K Item 1A: 'We primarily serve individuals and businesses located in southern New England, and a substantial portion of our loans are secured by properties in southern New England.'”
MEDIUMBuilt-inLoan_portfolio
43%
commercial real estate (CRE) loans
“10-K Item 1: 'CRE loans represented 79% of the total commercial loan portfolio and 43% of the total loan portfolio.'”
MEDIUMBuilt-inLoan_portfolio
40%
residential real estate loans
“10-K Item 1: 'The residential real estate loan portfolio consists of mortgage and homeowner construction loans secured by one- to four-family residential properties and represented 40% of total loans at December 31, 2025.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Washington Trust Bancorp's concentration profile is defined by its loan portfolio composition and regional footprint. Commercial loans represented 54% of the total loan portfolio at December 31, 2025, a high-share structural concentration, and the company primarily serves individuals and businesses in southern New England, with a substantial portion of loans secured by properties there, another high-share geographic concentration. Within the commercial book, commercial real estate loans made up 79% of the commercial portfolio and 43% of total loans, a medium-share concentration, while residential real estate loans separately accounted for 40% of total loans, also medium-share. Together these figures describe a loan book that is heavily real estate-oriented — whether through commercial real estate or residential mortgages — and geographically rooted in a single U.S. region. None of these exposures depend on a single counterparty; they are structural features of a community bank's balance sheet rather than idiosyncratic dependencies. The practical implication is that a downturn in the southern New England economy, or in commercial or residential real estate values there specifically, would pressure a large portion of the loan portfolio at once, since CRE and residential real estate together account for the substantial majority of total loans and the customer base is regionally concentrated.
For the engine’s reasoning on WASH’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| WASH● | Washington Trust Bancorp, Inc. | 2 | 2 | 0 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.