Watertown Savings Bank (MA)

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LOCATIONS

47 Month Long Term Certificate Special (with Checking Account)

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.20%	5-year CD	Five Year CD 2.35% - Synchrony Bank 60 Month CD
0.10%	1-year CD	One Year CD 1.50% - Ally Bank No Penalty 11-Month CD
0.05%	Savings	Passbook Savings and Security Deposit Trust Accounts 1.15% - CIT Bank Spring Savings

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Overview / Commentary

www.watertownsavings.com

800-207-2525

60 Main Street
Watertown, MA 02472

Watertown Savings Bank (MA) is headquartered in Watertown and is the 33^rd largest bank in the state of Massachusetts. It is also the 647^th largest bank in the nation. It was established in 1870 and as of March of 2017, it had grown to 123 employees at 9 locations. Watertown Savings Bank (MA) has an A health rating.

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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	23298
Year Established	1870
Employees	123
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	2.59%
Return on Equity - YTD	26.4%
Annual Interest Income	$7.6MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$1.16B$1.12B
Loans	Q1 2017vs Q1 2016	$557.8MM$551.2MM
Deposits	Q1 2017vs Q1 2016	$1.01B$991.0MM
Equity Capital	Q1 2017vs Q1 2016	$116.7MM$111.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$3.2MM$3.2MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$2.8MM$2.0MM
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Watertown Savings Bank (MA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$500k^*	-	Pinnacle Savings (requires a Pinnacle Checking account)
OTHER TIERS: 0.05% → $50 - $2,500 \| 0.10% → $2,500 - $50k \| 0.15% → $50k - $250k \| 0.20% → $250k - $500k
0.20%^*	$250k^*	-	Presidential Savings
OTHER TIERS: 0.05% → $2,500 - $25k \| 0.10% → $50 - $50k \| 0.15% → $50k - $250k
0.20%^*	$250k^*	-	IRA Savings
OTHER TIERS: 0.05% → $50 - $2,500 \| 0.10% → $2,500 - $50k \| 0.15% → $50k - $250k
0.20%^*	$250k^*	-	Presidential Business Savings
OTHER TIERS: 0.05% → $50 - $2,500 \| 0.10% → $2,500 - $50k \| 0.15% → $50k - $250k
0.05%	$50	-	Access Savings
0.05%	$50	-	Passbook Savings and Security Deposit Trust Accounts

Watertown Savings Bank (MA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$250k^*	-	Money Market Accounts
OTHER TIERS: 0.05% → $2,500 - $25k \| 0.10% → $50 - $50k \| 0.15% → $50k - $250k
0.20%^*	$250k^*	-	Business Money Market
OTHER TIERS: 0.05% → $50 - $2,500 \| 0.10% → $2,500 - $50k \| 0.15% → $50k - $250k

Watertown Savings Bank (MA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	Business General Checking
0.10%	$50	-	Pinnacle Checking
0.10%	-	-	Business IOLTA Checking
0.05%	$50	-	Senior Checking (for ages 65+)
0.05%	$50	-	Plus Checking

Watertown Savings Bank (MA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1k	-	47 Month Long Term Certificate Special (with Checking Account)
0.75%	$1k	-	27 Month Medium Term Certificate Special (with Checking Account)
0.20%	$1k	-	Three Year CD
0.20%	$1k	-	Four Year CD
0.20%	$1k	-	Five Year CD
0.20%	$1k	-	Six Year CD
0.15%	$1k	-	7 Month Short Term Certificate Special (with Checking Account)
0.10%	$1k	-	Three Month CD
0.10%	$1k	-	Six Month CD
0.10%	$1k	-	Nine Month CD
0.10%	$1k	-	Eleven Month CD
0.10%	$1k	-	One Year CD
0.10%	$1k	-	Fifteen Month CD
0.10%	$1k	-	Eighteen Month CD
0.10%	$1k	-	Two Year CD
0.10%	$1k	-	Thirty Month CD
0.10%	$50k	-	Three Month Business CD
0.10%	$10k	-	Six Month Business CD
0.10%	$10k	-	One Year Business CD
0.05%	$1k	-	120-Day Money Market CD

Watertown Savings Bank (MA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1k	-	47 Month Long Term IRA Certificate Special (with Checking Account)
0.75%	$1k	-	27 Month Medium Term IRA Certificate Special (with Checking Account)
0.20%	$1k	-	Three Year IRA
0.20%	$1k	-	Four Year IRA
0.20%	$1k	-	Five Year IRA
0.20%	$1k	-	Six Year IRA
0.15%	$1k	-	7 Month Short Term IRA Certificate Special (with Checking Account)
0.10%	$1k	-	Six Month IRA
0.10%	$1k	-	Nine Month IRA
0.10%	$1k	-	Eleven Month IRA
0.10%	$1k	-	One Year IRA
0.10%	$1k	-	Fifteen Month IRA
0.10%	$1k	-	Eighteen Month IRA
0.10%	$1k	-	Two Year IRA
0.10%	$1k	-	Thirty Month IRA
0.05%	$1k	-	120-Day Money Market IRA

Locations

Watertown Savings Bank (MA) Locations
East Watertown Branch	10 Bigelow Avenue	Watertown, MA 02472
Lexington Branch	1075 Waltham Street	Lexington, MA 02421
Nonantum Branch	175 Watertown Street	Watertown, MA 02472
Waverly Square Branch	30 Church Street	Belmont, MA 02478
Watertown Square Drive Up Branch	45 Church Street	Watertown, MA 02472
Waltham Branch	6 Lexington Street	Waltham, MA 02451
Watertown Savings Bank	60 Main Street	Watertown, MA 02472
Warrendale Branch	739 Main Street	Watertown, MA 02472
Arlington Branch	980 Massachusetts Avenue	Arlington, MA 02476