Watertown Savings Bank is headquartered in WATERTOWN and is the 56th largest bank in the state of New York. It is also the 1,051st largest bank in the nation. It was established in 1894 and as of March of 2023, it had grown to 122 employees at 10 locations. Watertown Savings Bank's CD rates are 2X the national average, and it has a B+ health rating.
Overall | |
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FDIC Certificate # | 15990 |
Year Established | 1894 |
Employees | 122 |
Primary Regulator | FDIC |
Profit Margin | |
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Return on Assets - YTD | 1.08% |
Return on Equity - YTD | 8.29% |
Annual Interest Income | $7.3MM |
Assets and Liabilities | ||
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Assets | Q1 2023vs Q1 2022 | $934.1MM$1.01B |
Loans | Q1 2023vs Q1 2022 | $496.7MM$467.0MM |
Deposits | Q1 2023vs Q1 2022 | $804.2MM$886.6MM |
Equity Capital | Q1 2023vs Q1 2022 | $124.3MM$120.6MM |
Loan Loss Allowance | Q1 2023vs Q1 2022 | $5.4MM$6.3MM |
Unbacked Noncurrent Loans | Q1 2023vs Q1 2022 | $3.9MM$4.7MM |
Real Estate Owned | Q1 2023vs Q1 2022 | $0$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.10% | $100 | - | MMDA | |
0.10% | $100 | - | Business Money Market |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
2.57% | $500 | - | 18 Month CD | |
2.05% | $500 | - | 1 Year CD | |
1.02% | $500 | - | 5 Year CD | |
0.97% | $500 | - | 4 Year CD | |
0.92% | $500 | - | 3 Year CD | |
0.87% | $500 | - | 2 Year CD | |
0.51% | $500 | - | 6 Month CD |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
2.57% | $500 | - | 18 Month IRA | |
2.05% | $500 | - | 1 Year IRA | |
1.02% | $500 | - | 5 Year IRA | |
0.97% | $500 | - | 4 Year IRA | |
0.92% | $500 | - | 3 Year IRA | |
0.87% | $500 | - | 2 Year IRA | |
0.51% | $500 | - | 6 Month IRA |
Adams Branches | ||
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Adams Branch | 10729 US Route 11 | Adams, NY 13605 |
Alexandria Bay Branches | ||
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Alexandria Bay Branch | 4 Market Street | Alexandria Bay, NY 13607 |
Chaumont Branches | ||
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Chaumont Branch | 12221 Nys Route 12e | Chaumont, NY 13622 |
Clayton Branches | ||
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Clayton James St Branch | 352 James Street | Clayton, NY 13624 |
Sackets Harbor Branches | ||
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Sackets Harbor Branch | 100 West Main Street | Sackets Harbor, NY 13685 |
Watertown Branches | ||
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Watertown Branch | 101 Commerce Park Dr | Watertown, NY 13601 |
Watertown Savings Bank | 111 Clinton St | Watertown, NY 13601 |
State Street Branch | 1816 State Street | Watertown, NY 13601 |
Wsb Municipal Bank Branch | 111 Clinton Street | Watertown, NY 13601 |
Clinton Street Branch | 140 Clinton Street | Watertown, NY 13601 |