WATERTOWN SAVINGS BANK
WATERTOWN SAVINGS BANK is an FDIC-insured commercial bank headquartered in WATERTOWN, MA, established in 1870. As of , 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 2.80%. CET1 capital ratio: 28.74%, well above regulatory minimums. NPL ratio: 0.12% · Texas Ratio: 0.45%. Operates 10 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Watertown Savings Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 28.74% | 0.61% | 0.12% | 0.45% | 2.80% |
| 2025-09-30 | 28.30% | 0.65% | 0.09% | 0.33% | 2.67% |
| 2025-06-30 | 27.88% | 0.66% | 0.00% | 0.00% | 2.64% |
| 2025-03-31 | 27.54% | 0.55% | 0.00% | 0.00% | 2.52% |
| 2024-12-31 | 27.33% | 0.40% | 0.00% | 0.00% | 2.30% |
| 2024-09-30 | 27.63% | 0.38% | 0.00% | 0.00% | 2.13% |
| 2024-06-30 | 27.24% | 0.27% | 0.00% | 0.00% | 2.04% |
| 2024-03-31 | 27.13% | 0.28% | 0.00% | 0.00% | 2.07% |
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Frequently asked about WATERTOWN SAVINGS BANK
What are Watertown Savings Bank's total assets?
As of the Q4 2025 filing, Watertown Savings Bank reported total assets of $1.43 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Watertown Savings Bank headquartered?
Watertown Savings Bank is headquartered in WATERTOWN, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Watertown Savings Bank founded?
Watertown Savings Bank was established in 1870, per the FDIC institution directory.
Is Watertown Savings Bank FDIC-insured?
Yes. Watertown Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #23298). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Watertown Savings Bank?
Watertown Savings Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Watertown Savings Bank's CET1 capital ratio?
Watertown Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 28.74% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Watertown Savings Bank operate?
Watertown Savings Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Watertown Savings Bank's Texas Ratio?
Watertown Savings Bank's Texas Ratio is 0.45% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.