Bank · FDIC insured
Watertown Savings Bank
A $152.3M bank headquartered in Watertown, NY, with 1 branch in New York. Best rates: CDs 3.09% and savings 0.10% APY.
Watertown Savings Bank Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#7 of 9 in Watertown, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Watertown Savings Bank
Founded in 1893, Watertown Savings Bank is headquartered in Watertown, New York.
The bank focuses on supporting and strengthening its community and the North Country.
- Headquarters
- 111 Clinton St, Watertown, NY 13601
- FDIC certificate
- 7274 ↗
Branches
1 branch in New York
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New York
1 branch
- WSB Municipal BankMain office111 Clinton St, Watertown, NY 13601Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.23% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | Not reported | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.37% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $0 | $81 | — |
- CapitalLeverage ratio15.23%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrentNot reportedPeers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.37%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$0Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Watertown Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.