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Watertown Savings Bank Locations & Branches Watertown, Massachusetts
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Watertown Savings Bank operates 10 branches from its headquarters in Watertown, MA, . Its main office is at 60 Main St, Watertown, MA 02472.
Watertown Savings Bank branch network
All 10 branches are in MASSACHUSETTS, across 5 cities. Watertown, MA has the most of its branches, 5. Its largest office by deposits is its main office in Watertown, MA, with $364.9M (29.1% of its branch deposits). It had the same number of branches on June 30, 2025.
Watertown Savings Bank at a glance
Its CET1 capital ratio was 28.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.44B
- CET1 ratio, Q2 2026
- 28.39%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1870
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, MA (5 branches) | 1 of 8 | 38.4% | $791.8M |
| State: MA (10 branches) | 43 of 112 | 0.2% | $1.25B |
Ranked by total assets among banks headquartered in the state: Largest banks in Massachusetts.
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 |
|---|---|---|---|---|
| Middlesex, MA (10 branches) | 17 of 42 | 1.5% | $1.25B | $83.13B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Boston-Cambridge-Newton, MA-NH (10 branches) | 28 of 99 | 0.2% | $1.25B | $580.15B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Watertown Savings Bank (main office) | Watertown, MA | 02472 | $364.9M |
| Warrendale Branch | Watertown, MA | 02472 | $193.1M |
| East Watertown Branch | Watertown, MA | 02472 | $144.7M |
| Waltham Branch | Waltham, MA | 02452 | $109.6M |
| Market Street Branch | Waltham, MA | 02451 | $108.9M |
| Lexington Branch | Lexington, MA | 02421 | $106.0M |
| Waverly Square Branch | Belmont, MA | 02478 | $94.9M |
| Nonantum Branch | Watertown, MA | 02472 | $64.7M |
| Arlington Branch | Arlington, MA | 02476 | $40.9M |
| Watertown Square Drive Up Branch | Watertown, MA | 02472 | $24.3M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 23298) · FFIEC NIC profile (RSSD 886204)