Watertown Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 694.37 percentage points in Q2 2026, from 254.63% to 949.00%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Watertown Savings Bank is 30th of 89 on return on assets, 0.86% as of Q2 2026, above the middle of the field. Watertown Savings Bank reported 0.86% on return on assets for Q2 2026, 0.41 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.39% |
| Tier 1 risk-based capital ratio | 28.39% |
| Total risk-based capital ratio | 28.71% |
| Tier 1 leverage ratio | 12.03% |
| Equity capital to assets | 11.65% |
| Tangible equity to tangible assets | 11.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.00% |
| Allowance for credit losses to loans | 0.29% |
| Reserve coverage of non-performing loans | 949.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 7.48% |
| Net interest margin | 3.12% |
| Efficiency ratio | 64.79% |
| Yield on earning assets | 4.22% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.63% |
| Core deposits to total deposits | 83.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.01% |
| Securities to assets | 43.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 26.01% | 26.01% | 26.72% | 10.62% | 0.61% |
| Q4 2023 | 26.91% | 26.91% | 27.25% | 10.81% | 0.31% |
| Q1 2024 | 27.13% | 27.13% | 27.47% | 10.88% | 0.28% |
| Q2 2024 | 27.24% | 27.24% | 27.58% | 10.57% | 0.26% |
| Q3 2024 | 27.63% | 27.63% | 27.97% | 10.72% | 0.38% |
| Q4 2024 | 27.33% | 27.33% | 27.67% | 11.16% | 0.42% |
| Q1 2025 | 27.54% | 27.54% | 27.87% | 10.81% | 0.55% |
| Q2 2025 | 27.88% | 27.88% | 28.20% | 11.02% | 0.66% |
| Q3 2025 | 28.30% | 28.30% | 28.63% | 11.24% | 0.64% |
| Q4 2025 | 28.74% | 28.74% | 29.07% | 11.59% | 0.61% |
| Q1 2026 | 28.92% | 28.92% | 29.24% | 11.88% | 0.70% |
| Q2 2026 | 28.39% | 28.39% | 28.71% | 12.03% | 0.86% |
Watertown Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Watertown Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Watertown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23298) · FFIEC NIC profile (RSSD 886204)