What is Watertown Savings Bank's financial health grade?

Watertown Savings Bank has a TFS Financial Health Grade of C- (score: 70.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Watertown Savings Bank have?

Watertown Savings Bank has 10 branch locations across the United States.

Is Watertown Savings Bank FDIC insured?

Yes, Watertown Savings Bank is FDIC insured (Certificate #15990).

What are the total assets of Watertown Savings Bank?

Watertown Savings Bank has total assets of $941.4M as reported in its most recent FDIC filing.

Watertown Savings Bank

BankWatertown, New York

www.watersavingsbank.com

Total Assets

$941.4M

Total Deposits

$762.6M

Branches

Established

1894

TFS Health Grade

C-

70.3 / 100

Average financial health

How we grade

Watertown Savings Bank is a bank headquartered in Watertown, New York, established in 1894. With $941.4M in total assets and 10 branch locations, it has a TFS Financial Health Grade of C- (70.3/100).

Capital & Safety

Tier 1 Capital Ratio

16.98%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

2.13%

Profitability

Return on Assets (ROA)

1.35%(1%)

Return on Equity (ROE)

7.72%(10%)

Net Interest Margin

4.47%

Efficiency Ratio

60.11%(60%)

Lending & Liquidity

Total Loans

$583.0M

Loan-to-Deposit Ratio

75.58%

Net Charge-Off Ratio

0.07%

Growth

Asset Growth (YoY)

+4.33%

Deposit Growth (YoY)

+2.65%

Net Income

$12.5M

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.

Branch	Address	City	State	Type
Watertown Savings BankHQ	111 Clinton St	Watertown	NY	11
Watertown Savings Bank	10729 Us Route 11	Adams	NY	11
Watertown Savings Bank	4 Market St	Alexandria Bay	NY	11
Watertown Savings Bank	12221 Nys Route 12e	Chaumont	NY	11
Watertown Savings Bank	352 James St	Clayton	NY	11
Watertown Savings Bank	100 West Main Street	Sackets Harbor	NY	11
Watertown Savings Bank	111 Clinton St	Watertown	NY	23
Watertown Savings Bank	1816 State Street	Watertown	NY	11
Watertown Savings Bank	101 Commerce Park Dr	Watertown	NY	11
Watertown Savings Bank	140 Clinton St	Watertown	NY	23

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.