W T B FINANCIAL CORP is the parent banking group. WASHINGTON TRUST BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

W T B FINANCIAL CORP

Legal name: W.T.B. FINANCIAL CORPORATION

1 active bank · 2 merged/absorbed · $10.7B combined assets

RSSD ID: 1029464 (FFIEC NIC)

Combined Assets

$10.7B

CRA Rating Summary

Satisfactory1charter

Across all 17 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankWASHINGTON TRUST BANKSPOKANE, WASatisfactory$10.7BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$10.7B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$8.9B

Net Income

$33M

ROA (avg)

1.22%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

1,959

Origination Rate

63.04%

Denial Rate

20.98%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
WASHINGTON TRUST BANK	SPOKANE, WA	FDIC	$10.7B	100.0%	Satisfactory	Jan 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.