W.T.B. Financial Corporation operates as the bank holding company for Washington Trust Bank that provides banking, fiduciary, asset management, mortgage banking, and other financial services to corporate and individual customers in the United States. The company offers deposit products, including checking, savings, money market, health savings, retirement, and individual retirement accounts, as well as certificates of deposit. It also provides credit and debit cards; personal loans, such as auto and toy, personal lines of credit and term, home equity line of credit, and home equity loans; home loans; business loans comprising equipment lending, commercial real estate, agricultural, and SBA lending; mortgage loans, including first-time home buyers loans, manufactured home loans, refinance, and jumbo loans. In addition, the company offers trade finance products; standby letter of credit; foreign exchange products; foreign accounts receivable insurance; and SBA export loan guaranty programs; small business banking; and wealth management services, such as investment management, charitable and nonprofit administration, estate settlement, family office, trust administration, retirement planning, employee benefits administration, and custody services, as well as portfolio management services. Further, it provides fraud detection and prevention, identity and overdraft protection, and online and mobile security services; and investment services, including retirement planning, mutual fund, stock and bond, life and long-term care insurances, annuities, brokerage, fee-based planning, and education funding; and online and mobile banking services. The company was founded in 1902 and is headquartered in Spokane, Washington.