Watertown Savings Bank
Total assets
$1.44B
▼ -2.5% YoY
Deposits
$1.25B
▼ -3.7% YoY
Loans
$657.1M
▲ +5.0% YoY
Offices
10
ROA (annualized)
0.78%
peers 1.26%
ROE (annualized)
6.77%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Watertown Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +5.5% | -8.0 pts |
| Deposit growth (YoY) | -3.7% | +5.1% | -8.7 pts |
| Loan growth (YoY) | +5.0% | +5.9% | -0.9 pts |
| ROA | 0.78% | 1.26% | -0.5 pts |
| ROE | 6.8% | 12.2% | -5.4 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
Profile
- Established
- 1870
- Charter
- State
- Primary regulator
- FED
- Specialization
- Mortgage Lending Specialization
- Address
- 60 Main St, Watertown, MA, 02472
- County
- Middlesex
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 10
- FDIC cert #
- 23298
- RSSD ID
- 886204
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.44B | $1.25B | $657.1M | $167.6M | $5.6M | 0.78% | 3.06% | 0.12% |
| Q1 2026 | $1.44B | $1.26B | $631.5M | $166.0M | $2.5M | 0.70% | 2.97% | 0.12% |
| Q4 2025 | $1.43B | $1.25B | $635.0M | $165.2M | $9.1M | 0.62% | 2.67% | 0.15% |
| Q3 2025 | $1.47B | $1.29B | $634.9M | $161.8M | $6.9M | 0.62% | 2.62% | 0.12% |
| Q2 2025 | $1.48B | $1.30B | $625.7M | $157.9M | $4.5M | 0.61% | 2.58% | 0.09% |
| Q1 2025 | $1.50B | $1.33B | $622.8M | $153.6M | $2.1M | 0.55% | 2.52% | 0.03% |
| Q4 2024 | $1.48B | $1.31B | $609.4M | $147.5M | $4.8M | 0.33% | 2.16% | 0.03% |
| Q3 2024 | $1.46B | $1.29B | $608.1M | $151.0M | $3.4M | 0.31% | 2.11% | 0.11% |
Loan mix (Q2 2026): real estate $656.0M · commercial $2.3M · consumer $671K · securities $623.1M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Watertown Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.26% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 12.2% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.70% | 17th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 59.0% | 74th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Watertown Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Watertown Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Watertown Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Watertown Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
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