Total Assets
$971.0M
Total Deposits
$784.3M
Branches
10
Established
1894
Watertown Savings Bank is a bank headquartered in Watertown, New York, established in 1894. It holds $971.0M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Watertown Savings Bank earns a TFS Financial Health Grade of A (92.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
92.5 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Watertown Savings BankHQ | 111 Clinton St | Watertown | NY | 11 |
| Watertown Savings Bank | 10729 Us Route 11 | Adams | NY | 11 |
| Watertown Savings Bank | 4 Market St | Alexandria Bay | NY | 11 |
| Watertown Savings Bank | 12221 Nys Route 12e | Chaumont | NY | 11 |
| Watertown Savings Bank | 352 James St | Clayton | NY | 11 |
| Watertown Savings Bank | 100 West Main Street | Sackets Harbor | NY | 11 |
| Watertown Savings Bank | 111 Clinton St | Watertown | NY | 23 |
| Watertown Savings Bank | 1816 State Street | Watertown | NY | 11 |
| Watertown Savings Bank | 101 Commerce Park Dr | Watertown | NY | 11 |
| Watertown Savings Bank | 140 Clinton St | Watertown | NY | 23 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
92.5
Tier 1 capital ratio
17.60%
Return on assets
1.90%
Non-performing loans
1.95%
Efficiency ratio
49.08%
Asset growth (YoY)
4.35%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.