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 Watertown Savings Bank
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Watertown Savings Bank
| RSSD ID 298218 | CERTIFICATE 15990 | ABA NUMBER 221371356 |
| 111 Clinton St |
Quarter Ended : |
2026-03-31 |
| Watertown, New York, 13601 |
Updated : |
2026-04-29 |
| www.watersavingsbank.com |
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| Institution Profile |
| Year Opened : |
1894 |
Institution Type : |
Stock and Mutual Savings bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
123 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 970,247 |
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Total Interest Income | 10,780 |
| Total Liabilities | 796,550 |
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Total NonInterest Income | 1,190 |
| Total Bank Equity Capital | 173,697 |
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Total Interest Expense | 962 |
| Total Deposits | 787,879 |
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Total NonInterest Expense | 5,475 |
| Net Loans & Leases | 575,818 |
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Net Income | 4,526 |
| Loan Loss Allowance | 6,713 |
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Net Charge Offs | 202 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 582,109 |
| Total assets for the leverage ratio | 957,837 |
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Loans secured by real estate: | 508,671 |
| Tier 1 Leverage Ratio | 16.93 |
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Commercial and industrial loans | 51,943 |
| Off Balance Sheet Exposures (%) | 3.1 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 16,682 |
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:· Watertown Savings Bank
