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Bankular
Local banking directory

Banks and Bank Branches in Watertown, New York

The FDIC reported 11 deposit-reporting offices from 5 institutions in Watertown as of June 30, 2025. Bankular currently provides 12 detailed location pages with addresses, maps and directions.

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FDIC-reported offices11
Institutions reporting5
Detailed location pages12
Reported branch deposits$1.24B
SOD reporting dateJune 30, 2025

Reported-office totals come from the annual FDIC Summary of Deposits survey. Maps and branch-detail links appear only for locations with a validated Bankular location page.

Market analysis

What the deposit data shows

FDIC SOD, June 30, 2025
Largest institutionWatertown Savings Bank42.67% of deposits
Top three share85.77%
Deposit HHI2,894Higher concentration
Current detailed pages121 more than the June 2025 SOD count

Watertown Savings Bank held 42.67% of reported branch deposits in Watertown. The three largest institutions together held 85.77%. Bankular places the resulting HHI of 2,894 in its higher concentration descriptive band.

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Detailed bank locations in Watertown

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Detailed directory

Institutions with validated location pages

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Location pages

Detailed bank locations in Watertown

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Local deposit market

Reported offices, deposits and market share

FDIC SOD, June 30, 2025
InstitutionReported officesDepositsShare
Watertown Savings Bank5$527.7M42.67%
Community Bank2$321.3M25.98%
KeyBank2$211.7M17.12%
WSB Municipal Bank1$104.7M8.47%
Carthage Savings and Loan1$71.3M5.76%