| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Watertown Savings Bank | Bank | 10 | $784.3M | 23.86% |
| 2 | Community Bank, National Association | Bank | 6 | $673.5M | 20.49% |
| 3 | Navy Federal Credit Union | Credit union | 1 | $449.1M* | 13.66% |
| 4 | Northern Federal Credit Union | Credit union | 6 | $335.3M* | 10.20% |
| 5 | Carthage Savings and Loan, National Association | Bank | 2 | $241.7M | 7.35% |
| 6 | Americu Credit Union | Credit union | 2 | $230.8M* | 7.02% |
| 7 | KeyBank National Association | Bank | 3 | $229.1M | 6.97% |
| 8 | WSB Municipal Bank | Bank | 1 | $98.5M | 2.99% |
| 9 | Gouverneur Savings and Loan Association | Bank | 3 | $89.4M | 2.72% |
| 10 | Sea Comm Federal Credit Union | Credit union | 1 | $72.4M* | 2.20% |
| 4 more institutions, year-over-year share and branch changes with Pro →$29/mo, cancel any time. | |||||
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $3.29B | 14 | 42 | Watertown Savings Bank | 23.9% | 1,455 |
| 2025 | $3.21B | 14 | 43 | Watertown Savings Bank | 23.7% | 1,402 |
| 2024 | $3.10B | 15 | 45 | Watertown Savings Bank | 24.5% | 1,409 |
| 2023 | $3.24B | 16 | 47 | Watertown Savings Bank | 24.1% | 1,404 |
| 2022 | $3.38B | 16 | 44 | Watertown Savings Bank | 24.8% | 1,439 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.