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Overview / Commentary
315-788-7100
111 Clinton Street
Watertown, NY 13601

Watertown Savings Bank is headquartered in Watertown and is the 68th 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 September of 2016, it had grown to 113 employees at 10 locations. Watertown Savings Bank has an A health rating.

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Health
A

Health Grade Components

Overall
FDIC Certificate #15990
Year Established1894
Employees113
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD7.34%
Annual Interest Income$15.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$627.6MM$595.9MM
LoansQ3 2016vs Q3 2015$385.7MM$364.3MM
DepositsQ3 2016vs Q3 2015$534.0MM$509.0MM
Equity CapitalQ3 2016vs Q3 2015$89.0MM$82.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$4.1MM$3.9MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$5.2MM$4.7MM
Real Estate OwnedQ3 2016vs Q3 2015$608.00K$115.00K
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*-Health Savings Account
OTHER TIERS: 0.15% Up to $5k | 0.25% $5k - $10k
0.25%$100-Savings
0.25%$100-Christmas Club
0.25%$100-Vacation Club

Watertown Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-MMDA

Watertown Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.17%$500-5 Year CD
0.76%$500-4 Year CD
0.66%$500-3 Year CD
0.51%$500-2 Year CD
0.46%$500-18 Month CD
0.36%$500-1 Year CD
0.30%$500-6 Month CD
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