Watertown Savings Bank

Overview / Commentary
111 Clinton Street
Watertown, NY 13601

Watertown Savings Bank is headquartered in Watertown and is the 56th largest bank in the state of New York. It is also the 1,016th largest bank in the nation. It was established in 1894 and as of June of 2022, it had grown to 130 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 - YTD0.96%
Return on Equity - YTD7.81%
Annual Interest Income$13.0MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$965.3MM$950.0MM
LoansQ2 2022vs Q2 2021$481.3MM$497.2MM
DepositsQ2 2022vs Q2 2021$840.6MM$820.9MM
Equity CapitalQ2 2022vs Q2 2021$118.6MM$123.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$6.3MM$6.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$4.2MM$6.6MM
Real Estate OwnedQ2 2022vs Q2 2021$0$137.00K

Rates for Watertown Savings Bank are currently being reviewed.


Cities: Adams, Alexandria Bay, Chaumont, Clayton, Sackets Harbor, Watertown

Adams Branches
Adams Branch10729 US Route 11Adams, NY 13605

Alexandria Bay Branches
Alexandria Bay Branch4 Market StreetAlexandria Bay, NY 13607

Chaumont Branches
Chaumont Branch12221 Nys Route 12eChaumont, NY 13622

Clayton Branches
Clayton James St Branch352 James StreetClayton, NY 13624

Sackets Harbor Branches
Sackets Harbor Branch100 West Main StreetSackets Harbor, NY 13685

Watertown Branches
Watertown Branch101 Commerce Park DrWatertown, NY 13601
Watertown Savings Bank111 Clinton StWatertown, NY 13601
State Street Branch1816 State StreetWatertown, NY 13601
Wsb Municipal Bank Branch111 Clinton StreetWatertown, NY 13601
Clinton Street Branch140 Clinton StreetWatertown, NY 13601

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