Overview / Commentary
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 1,128th largest bank in the nation. It was established in 1894 and as of June of 2018, it had grown to 122 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 - YTD1.29%
Return on Equity - YTD8.81%
Annual Interest Income$11.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$652.2MM$641.9MM
LoansQ2 2018vs Q2 2017$419.9MM$400.0MM
DepositsQ2 2018vs Q2 2017$545.3MM$543.8MM
Equity CapitalQ2 2018vs Q2 2017$97.5MM$93.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$4.1MM$4.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$7.6MM$10.1MM
Real Estate OwnedQ2 2018vs Q2 2017$37.00K$508.00K
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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

0.30%*$10k*-Health Savings Account
OTHER TIERS: 0.15% Up to $5k | 0.25% $5k - $10k
0.25%$100-Christmas Club
0.25%$100-Vacation Club

Watertown Savings Bank Money Market Rates


Watertown Savings Bank CD Rates

1.58%$500-5 Year CD
1.48%$500-4 Year CD
1.38%$500-3 Year CD
1.28%$500-2 Year CD
1.02%$500-18 Month CD
0.76%$500-1 Year CD
0.30%$500-6 Month CD

Watertown Savings Bank IRA Rates

1.58%$500-5 Month IRA
1.48%$500-4 Month IRA
1.38%$500-3 Month IRA
1.28%$500-2 Month IRA
1.02%$500-18 Month IRA
0.76%$500-1 Month IRA
0.30%$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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