WATERTOWN SAVINGS BANK

WATERTOWN, MA | Large | Est. April 18, 1870, midnight | FDIC #23298 | RSSD #886204 | FED
Latest Report: 2025-12-31

WATERTOWN SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in WATERTOWN, MA, established in April 18, 1870, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 0.61% ROA and 5.42% ROE, with a net interest margin of 2.87%. The bank's CET1 capital ratio is 28.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.45%. FDIC Certificate #23298.

Assets

$1.4B

Deposits

$1.2B

Loans

$637M

Equity

$165M

Profitability

Return on Assets (ROA) 0.61%
Return on Equity (ROE) 5.42%
Net Interest Margin (NIM) 2.87%
Yield on Assets 4.17%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.45%
NPA Ratio 0.05%
ACL / Loans 0.30%

Capital & Liquidity

CET1 Ratio 28.74%
Tier 1 Capital 28.74%
Total Capital Ratio 29.07%
Leverage Ratio 11.59%
Loan-to-Deposit 50.95%

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