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Watertown Savings Bank Locations & Branches Watertown, New York
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Watertown Savings Bank operates 10 branches from its headquarters in Watertown, NY, .
Watertown Savings Bank branch network
All 10 branches are in NEW YORK, across 6 cities. Watertown, NY has the most of its branches, 5. Its largest office by deposits is its main office in Watertown, NY, with $428.3M (54.6% of its branch deposits). It had the same number of branches on June 30, 2025.
Watertown Savings Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 17.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $971.0M
- Tier 1 leverage ratio, Q2 2026
- 17.60%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1894
Full financial profile · Is Watertown Savings Bank safe? · Watertown Savings Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Watertown, NY (5 branches) | 1 of 5 | 40.8% | $538.2M |
| State: NY (10 branches) | 85 of 176 | <0.1% | $784.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in New York.
Share by county and metro area
Watertown Savings Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Jefferson, NY (10 branches) | 1 of 8 | 36.5% | $784.3M | $2.15B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Watertown-Fort Drum, NY (10 branches) | 1 of 8 | 36.5% | $784.3M | $2.15B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Watertown Savings Bank (main office) | Watertown, NY | 13601 | $428.3M |
| Adams Branch | Adams, NY | 13605 | $88.8M |
| Clayton James St Branch | Clayton, NY | 13624 | $59.2M |
| Watertown Branch | Watertown, NY | 13601 | $57.3M |
| State Street Branch | Watertown, NY | 13601 | $52.6M |
| Alexandria Bay Branch | Alexandria Bay, NY | 13607 | $46.7M |
| Chaumont Branch | Chaumont, NY | 13622 | $28.8M |
| Sackets Harbor Branch | Sackets Harbor, NY | 13685 | $22.7M |
| Wsb Municipal Bank Branch | Watertown, NY | 13601 | $0 |
| Clinton Street Branch | Watertown, NY | 13601 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15990) · FFIEC NIC profile (RSSD 298218)