Washington Trust Bancorp, Inc. operates as the holding company for The Washington Trust Company that offers various banking and financial products and services to individuals and businesses. The company operates in two segments, Commercial Banking and Wealth Management Services. The Commercial Banking segment offers deposit accounts, including interest-bearing checking, noninterest-bearing checking, savings, money market, and retirement deposit accounts; and certificates of deposit, as well as debit cards, ATMs, telephone banking, Internet banking, mobile banking, remote deposit capture, cash management, and merchant credit card processing services. This segment also provides various commercial and retail lending products, which include commercial real estate loans consisting of commercial mortgages, and construction and development loans; commercial and industrial loans; residential real estate loans; and consumer loans comprising home equity lines and home equity loans, personal installment loans, and loans to individuals secured by general aviation aircraft and automobiles. The Wealth Management Services segment provides investment management; financial planning; personal trust services, including services as trustee, administrator, custodian, and guardian; and estate settlement, as well as institutional trust services, such as custody and fiduciary services. This segment serves personal and institutional clients, and mutual funds. The company also operates as a licensed broker-dealer that markets investment programs, including mutual funds and variable annuities. As of December 31, 2014, it had 10 branch offices located in southern Rhode Island; 8 branch offices located in the greater Providence area in Rhode Island; and a branch office located in southeastern Connecticut. The company was founded in 1800 and is headquartered in Westerly, Rhode Island.