| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Watertown Savings Bank | Bank | 10 | $759.9M | 23.66% |
| 2 | Community Bank, National Association | Bank | 7 | $606.7M | 18.89% |
| 3 | Navy Federal Credit Union | Credit union | 1 | $439.9M* | 13.70% |
| 4 | Northern Credit Union | Credit union | 6 | $318.0M* | 9.90% |
| 5 | Americu Credit Union | Credit union | 2 | $255.9M* | 7.97% |
| 6 | Carthage Savings and Loan, National Association | Bank | 2 | $239.1M | 7.45% |
| 7 | KeyBank National Association | Bank | 3 | $236.0M | 7.35% |
| 8 | WSB Municipal Bank | Bank | 1 | $104.7M | 3.26% |
| 9 | Gouverneur Savings and Loan Association | Bank | 3 | $95.9M | 2.99% |
| 10 | Sea Comm Federal Credit Union | Credit union | 1 | $70.8M* | 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 |
|---|---|---|---|---|---|---|
| 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 | $3.23B | 16 | 47 | Watertown Savings Bank | 24.1% | 1,406 |
| 2022 | $3.30B | 15 | 41 | Watertown Savings Bank | 25.5% | 1,505 |
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.