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 1,080th largest bank in the nation. It was established in 1894 and as of September of 2023, it had grown to 120 employees at 10 locations. Watertown Savings Bank's CD rates are 2X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #15990
Year Established1894
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD7.85%
Annual Interest Income$22.8MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$917.1MM$962.8MM
LoansQ3 2023vs Q3 2022$502.7MM$479.7MM
DepositsQ3 2023vs Q3 2022$781.8MM$841.6MM
Equity CapitalQ3 2023vs Q3 2022$129.3MM$115.5MM
Loan Loss AllowanceQ3 2023vs Q3 2022$5.6MM$5.9MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2.6MM$4.9MM
Real Estate OwnedQ3 2023vs Q3 2022$307K$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

0.10%$100-Christmas Club
0.10%$100-Vacation Club
0.10%*$5k*-Health Savings Account
OTHER TIERS: 0.05% $100 - $5k
0.10%$100-Business Savings
0.10%*$5k*-Business Health Savings Account
OTHER TIERS: 0.05% $100 - $5k

Watertown Savings Bank Money Market Rates

0.10%$100-Business Money Market

Watertown Savings Bank CD Rates

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

Watertown Savings Bank IRA Rates

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

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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