WSB MUNICIPAL BANK

WATERTOWN, NY | Small | Est. April 24, 1913, midnight | FDIC #7274 | RSSD #858818 | FDIC
Latest Report: 2025-12-31

WSB MUNICIPAL BANK is asn small FDIC-insured commercial bank headquartered in WATERTOWN, NY, established in April 24, 1913, midnight. As of 2025-12-31, the bank reported total assets of $153M and total deposits of $96M. Profitability stands at 2.25% ROA and 15.67% ROE, with a net interest margin of 2.91%. The bank's CET1 capital ratio is 14.72%, well above the regulatory minimum. FDIC Certificate #7274.

Assets

$153M

Deposits

$96M

Loans

$0

Equity

$23M

Profitability

Return on Assets (ROA) 2.25%
Return on Equity (ROE) 15.67%
Net Interest Margin (NIM) 2.91%
Yield on Assets 3.42%
Cost of Funds 0.69%

Asset Quality

NPL Ratio --
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans --

Capital & Liquidity

CET1 Ratio 14.72%
Tier 1 Capital 14.72%
Total Capital Ratio 15.46%
Leverage Ratio 14.56%
Loan-to-Deposit 0.00%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required