Watertown Savings Bank
Watertown, NY · Insured depository institution
Sonar Score
Strong
out of 100 · from public FDIC data
Reported June 30, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $971M
- Total deposits
- $784.3M
- Branches
- 10
- Return on assets
- 1.90%
- Return on equity
- 10.51%
- Charter type
- Insured depository institution
- Established
- 1894
- FDIC cert #
- 15990
How the 87 breaks down
Well-capitalized by regulatory thresholds.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at Watertown Savings Bank
Watertown Savings Bank is an FDIC-insured institution (Cert #15990). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
10 branch locations
111 Clinton St
Watertown, NY 13601
4 Market St
Alexandria Bay, NY 13607
1816 State Street
Watertown, NY 13601
10729 Us Route 11
Adams, NY 13605
101 Commerce Park Dr
Watertown, NY 13601
140 Clinton St
Watertown, NY 13601
100 West Main Street
Sackets Harbor, NY 13685
352 James St
Clayton, NY 13624
12221 Nys Route 12e
Chaumont, NY 13622
111 Clinton St
Watertown, NY 13601
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