WATERTOWN SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in WATERTOWN, NY, established in Jan. 1, 1894, midnight. As of 2025-12-31, the bank reported total assets of $941M and total deposits of $763M. Profitability stands at 0.28% ROA and 1.58% ROE, with a net interest margin of 4.63%. The bank's CET1 capital ratio is 15.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.08% and a Texas Ratio of 6.99%. FDIC Certificate #15990.
Assets
$941M
Deposits
$763M
Loans
$583M
Equity
$170M
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