WATERTOWN SAVINGS BANK is an 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%. CET1 capital ratio: 16.90%, well above regulatory minimums. NPL ratio: 2.08% · Texas Ratio: 6.99%. Operates 10 domestic branches.
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