Washington Trust Bancorp, Inc. operates as the bank 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, retirement deposit accounts, and certificates of deposit, as well as debit cards, automatic teller machines, telephone banking, Internet banking, remote deposit capture, cash management, and merchant credit card processing services. This segment also provides various commercial and retail lending products, such as commercial real estate loans consisting of commercial mortgages, and construction and development loans; commercial and industrial loans; residential real estate mortgages; and consumer loans comprising home equity loans and lines of credit, personal installment loans, and loans to individuals secured by general aviation aircraft and automobiles. The Wealth Management Services segment provides investment management; financial planning and advisory services; personal trust services consisting of services as trustee, administrator, custodian, and guardian; and estate settlement, as well as institutional trust services, such as custody and fiduciary services. As of December 31, 2011, the company had 10 branch offices located in southern Rhode Island; 6 branch offices located in the greater Providence area in Rhode Island; and 2 branch offices located in southeastern Connecticut. Washington Trust Bancorp, Inc. was founded in 1800 and is headquartered in Westerly, Rhode Island.