Watertown Savings Bank
Headquarters: Watertown, New York
Overview
Watertown Savings Bank is an FDIC-insured bank headquartered in Watertown, New York. It reported $970.99M in assets and $784.29M in deposits for the period ending June 30, 2026. Bankular currently lists 10 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
March 31, 2026 to June 30, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Watertown Savings Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of Watertown Savings Bank
Adams Branch
10729 US Route 11, Adams, New York, 13605
Full-service branch · Opened November 7, 1966
Alexandria Bay Branch
4 Market St, Alexandria Bay, New York, 13607
Full-service branch · Opened April 6, 1998
Chaumont Branch
12221 Nys Route 12e, Chaumont, New York, 13622
Full-service branch · Opened August 1, 2007
Clayton James St
352 James St, Clayton, New York, 13624
Full-service branch · Opened September 19, 2005
Clinton Street
140 Clinton St, Watertown, New York, 13601
Limited Service: Drive Thru/Detached Facility · Opened September 4, 1996
Address and directions →Main Office
111 Clinton St, Watertown, New York, 13601
Full-service branch · Opened January 1, 1894
Financial overview
Latest reported figures
Through June 30, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| June 30, 2026 | $970.99M | $784.29M | $586.71M | 1.90% |
| March 31, 2026 | $970.25M | $787.88M | $576.29M | 1.89% |
| December 31, 2025 | $941.39M | $762.65M | $576.41M | 1.35% |
| September 30, 2025 | $948.97M | $773.16M | $570.37M | 1.71% |
| June 30, 2025 | $930.50M | $759.89M | $567.65M | 1.67% |
| March 31, 2025 | $925.42M | $760.20M | $560.33M | 1.69% |
| December 31, 2024 | $902.29M | $742.98M | $554.16M | 1.31% |
| September 30, 2024 | $935.74M | $776.47M | $542.48M | 1.63% |
Size and reach
How this institution compares
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More on Watertown Savings Bank
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Branch locations
10 listed locations.
Explore →Compare this institution
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Explore →State banking market
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Explore →Watertown banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Watertown Savings Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 15990.
Where is Watertown Savings Bank headquartered?
Watertown Savings Bank is headquartered in Watertown, New York, at 111 Clinton St, Watertown, New York, 13601.
How large is Watertown Savings Bank?
It reported $970.99M in assets and $784.29M in deposits for the period ending June 30, 2026.
How many locations does Watertown Savings Bank have?
Bankular currently lists 10 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.