Total Assets
$941M
Total balance-sheet footings
FDIC Cert #15990 · Watertown, New York · Est. 1894
Watertown Savings Bank - FDIC Bank Health Profile
A community-scale look at Watertown Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $941M
- Total assets
- A
- Health grade · Excellent
- 1.35%
- Return on assets
- 17.0%
- Tier 1 capital
Data updated July 2026
The verdict
Watertown Savings Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 16.98% Tier 1, profitable at 1.35% ROA, 60% efficiency ratio.
- #1,104
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 16.98%
- Tier 1 ratio - above the 10% well-capitalized line
- 67th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Watertown Savings Bank's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Watertown Savings Bank's composite health score
Tier 1 Capital Ratio (16.98%) 40/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (7.05%) 16/20
Efficiency Ratio (60.11%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$763M
Customer-funded liabilities
Net Loans
$576M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Watertown Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Watertown Savings Bank's score of 84/100 falls in the highlighted band.
Watertown Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Watertown Savings Bank's $941M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.98%
Texas Ratio
7.05%
Equity Capital
$170M
Profitability metrics
Return on Assets (ROA)
67th percentile nationally
1.35%
Return on Equity (ROE)
7.72%
Efficiency Ratio
60.11%
What the numbers say about Watertown Savings Bank
Watertown Savings Bank is an FDIC-insured institution (Certificate #15990) headquartered in Watertown, New York, established in 1894. It holds $941M in total assets - 1,104th of 4,313 FDIC-insured banks, $763M in customer deposits, and $576M in net loans. Capital-wise, the Tier 1 ratio sits at 16.98%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.05%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Watertown Savings Bank sits 61st of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$41M
Interest Income
$5M
Non-Interest Income
$26M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Watertown Savings Bank reports a Texas Ratio of 7.05% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Watertown Savings Bank (FDIC Cert #15990) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Watertown Savings Bank's health grade?▼
Watertown Savings Bank receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Watertown Savings Bank?▼
Watertown Savings Bank holds $941M in total assets and $763M in deposits, ranking 1,104th of 4,313 FDIC-insured banks by asset size. It is headquartered in Watertown, New York.
Is my money safe at Watertown Savings Bank?▼
Yes, deposits at Watertown Savings Bank (Certificate #15990) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Watertown Savings Bank's Tier 1 Capital Ratio?▼
Watertown Savings Bank has a Tier 1 Capital Ratio of 16.98%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Watertown Savings Bank?▼
Watertown Savings Bank has a Texas Ratio of 7.05%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Watertown Savings Bank?▼
Watertown Savings Bank has an Efficiency Ratio of 60.11%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Watertown Savings Bank's profile as a depositor or analyst.
- Watertown Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Watertown Savings Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.