Watertown Savings Bank

Overview / Commentary
111 Clinton Street
Watertown, NY 13601

Watertown Savings Bank is headquartered in Watertown and is the 58th largest bank in the state of New York. It is also the 975th largest bank in the nation. It was established in 1894 and as of December of 2021, it had grown to 128 employees at 10 locations. Watertown Savings Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #15990
Year Established1894
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD7.56%
Annual Interest Income$26.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$995.6MM$824.5MM
LoansQ4 2021vs Q4 2020$475.7MM$486.3MM
DepositsQ4 2021vs Q4 2020$864.0MM$697.6MM
Equity CapitalQ4 2021vs Q4 2020$126.1MM$118.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.4MM$5.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$6.4MM$8.8MM
Real Estate OwnedQ4 2021vs Q4 2020$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.

Watertown Savings Bank Savings Account Rates

0.05%$100-Christmas Club
0.05%$100-Vacation Club
0.05%$100-Health Savings Account
0.05%$100-Business Savings
0.05%$100-Business Health Savings Account

Watertown Savings Bank Money Market Rates

0.05%$100-Business Money Market

Watertown Savings Bank CD Rates

0.66%$500-5 Year CD
0.51%$500-4 Year CD
0.46%$500-3 Year CD
0.41%$500-2 Year CD
0.36%$500-18 Month CD
0.30%$500-1 Year CD
0.20%$500-6 Month CD

Watertown Savings Bank IRA Rates

0.66%$500-5 Year IRA
0.51%$500-4 Year IRA
0.46%$500-3 Year IRA
0.41%$500-2 Year IRA
0.36%$500-18 Month IRA
0.30%$500-1 Year IRA
0.20%$500-6 Month IRA

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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