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 Watertown Savings Bank
Watertown Savings Bank
| RSSD ID 886204 | CERTIFICATE 23298 | ABA NUMBER 211370176 |
| 60 Main St |
Quarter Ended : |
2025-12-31 |
| Watertown, Massachusetts, 2472 |
Updated : |
2026-01-30 |
| www.watertownsavings.com |
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| Institution Profile |
| Year Opened : |
1870 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
|
| Specialization : |
Mortgage Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
110 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,434,762 |
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Total Interest Income | 55,524 |
| Total Liabilities | 1,269,524 |
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Total NonInterest Income | 3,668 |
| Total Bank Equity Capital | 165,238 |
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Total Interest Expense | 18,723 |
| Total Deposits | 1,249,974 |
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Total NonInterest Expense | 28,817 |
| Net Loans & Leases | 634,958 |
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Net Income | 9,094 |
| Loan Loss Allowance | 1,894 |
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Net Charge Offs | 26 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 170,399 |
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Total loans | 634,928 |
| Total assets for the leverage ratio | 1,453,272 |
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Loans secured by real estate: | 631,956 |
| Tier 1 Leverage Ratio | 11.59 |
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Commercial and industrial loans | 2,275 |
| Tier 1 Capital Ratio | 28.74 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 29.07 |
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Loans to individuals - Other | 697 |
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:· Watertown Savings Bank
