Watertown Savings Bank

BankWatertown, Massachusetts
www.watertownsavings.com

Total Assets

$1.4B

Total Deposits

$1.2B

Branches

10

Established

1870

TFS Health Grade

$
D

66.3 / 100

Below average financial health

How we grade

Watertown Savings Bank is a bank headquartered in Watertown, Massachusetts, established in 1870. With $1.4B in total assets and 10 branch locations, it has a TFS Financial Health Grade of D (66.3/100).

Capital & Safety

Tier 1 Capital Ratio
11.59%(8%)
Total Capital Ratio
29.07%(10%)
Non-Performing Loan Ratio
0.33%

Profitability

Return on Assets (ROA)
0.62%(1%)
Return on Equity (ROE)
5.78%(10%)
Net Interest Margin
2.67%
Efficiency Ratio
71.21%(60%)

Lending & Liquidity

Total Loans
$636.9M
Loan-to-Deposit Ratio
50.80%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
-2.88%
Deposit Growth (YoY)
-4.60%
Net Income
$9.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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