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Watertown Savings Bank


Overview / Commentary
www.watertownsavingsbank.com
315-788-7100
111 Clinton Street
Watertown, NY 13601

Watertown Savings Bank is headquartered in Watertown and is the 64th largest bank in the state of New York. It is also the 1,139th largest bank in the nation. It was established in 1894 and as of December of 2019, it had grown to 118 employees at 10 locations. Watertown Savings Bank has an A health rating.

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Health
A

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #15990
Year Established1894
Employees118
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD7.35%
Annual Interest Income$25.7MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$676.0MM$654.8MM
LoansQ4 2019vs Q4 2018$449.0MM$433.9MM
DepositsQ4 2019vs Q4 2018$560.4MM$543.4MM
Equity CapitalQ4 2019vs Q4 2018$110.6MM$100.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$4.7MM$4.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$8.6MM$8.5MM
Real Estate OwnedQ4 2019vs Q4 2018$142.00K$10.00K
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 Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Business Health Savings Account
OTHER TIERS: 0.15% → Up to $5k | 0.25% → $5k - $10k
0.25%$100-Business Savings
0.10%$100-Savings
0.10%$100-Christmas Club
0.10%$100-Vacation Club
0.10%*$10k*-Health Savings Account
OTHER TIERS: 0.05% → $5k - $10k

Watertown Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-Business Money Market
0.10%$100-MMDA

Watertown Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.81%$500-5 Year CD
0.61%$500-4 Year CD
0.56%$500-3 Year CD
0.51%$500-2 Year CD
0.46%$500-18 Month CD
0.41%$500-1 Year CD
0.30%$500-6 Month CD

Watertown Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.81%$500-5 Year IRA
0.61%$500-4 Year IRA
0.56%$500-3 Year IRA
0.51%$500-2 Year IRA
0.46%$500-18 Month IRA
0.41%$500-1 Year IRA
0.30%$500-6 Month IRA
Locations


Watertown Savings Bank Locations
Sackets Harbor Branch100 West Main StreetSackets Harbor, NY 13685
Watertown Branch101 Commerce Park DrWatertown, NY 13601
Adams Branch10729 US Route 11Adams, NY 13605
Watertown Savings Bank111 Clinton StreetWatertown, NY 13601
Chaumont Branch12221 Nys Route 12eChaumont, NY 13622
State Street Branch1816 State StreetWatertown, NY 13601
Clayton James St Branch352 James StreetClayton, NY 13624
Alexandria Bay Branch4 Market StreetAlexandria Bay, NY 13607
Clinton Street Branch140 Clinton StreetWatertown, NY 13601

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