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BankSonar

WSB Municipal Bank

Watertown, NY · State, non-member commercial bank

65

Sonar Score

Stable

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$158M
Total deposits
$120.2M
Branches
1
Return on assets
2.01%
Return on equity
13.74%
Charter type
State, non-member commercial bank
Established
1913
FDIC cert #
7274

How the 65 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at WSB Municipal Bank

WSB Municipal Bank is an FDIC-insured institution (Cert #7274). 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 →

1 branch locations

111 Clinton St

Watertown, NY 13601

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