Listed locations
10
Institution profile
Watertown Savings Bank (Watertown, NY)
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Watertown Savings Bank
- Display name
- Watertown Savings Bank (Watertown, NY)
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- July 1, 1943
- Established date
- January 1, 1894
- Charter class
- State-chartered stock savings bank
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Watertown, NY, 13601, United States
- FDIC certificate number
- 15990
- Federal Reserve RSSD ID
- 298218
- Domestic location count
- 10
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- State Savings Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 15990
- Federal Reserve RSSD ID
- 298218
- Headquarters
- 111 Clinton Street, Watertown, NY, 13601, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 10 of 10 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ADAMS OFF | 32 East Church Street | Adams | NY | 13605 |
| ADAMS OFFICE | 10729 US Route 11 | Adams | NY | 13605 |
| ALEXANDRIA BAY BRANCH | 4 Market Street | Alexandria Bay | NY | 13607 |
| CHAUMONT BRANCH | 12221 Nys Route 12E | Chaumont | NY | 13622 |
| JAMES STREET BRANCH | 352 James Street | Clayton | NY | 13624 |
| SACKETS HARBOR BRANCH | 100 West Main Street | Sackets Harbor | NY | 13685 |
| COFFEEN STREET BRANCH | 1000 Coffeen Street | Watertown | NY | 13601 |
| COMMERCE PARK DRIVE BRANCH | 101 Commerce Park Drive | Watertown | NY | 13601 |
| STATE STREET BRANCH | 1816 State Street | Watertown | NY | 13601 |
| WATERTOWN ACCOMODATION OFFICE | 140 Clinton Street | Watertown | NY | 13601 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- November 1, 2025
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| November 1, 2025 | Satisfactory | FDIC | Large Bank Exam |
| February 1, 2023 | Satisfactory | FDIC | Large Bank Exam |
| December 1, 2019 | Satisfactory | FDIC | Large Bank Exam |
| March 1, 2017 | Satisfactory | FDIC | Large Bank Exam |
| December 1, 2013 | Satisfactory | FDIC | Large Bank Exam |
| September 1, 2010 | Satisfactory | FDIC | Large Bank Exam |
| July 1, 2007 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 2004 | Satisfactory | FDIC | Small Bank |
| September 1, 1998 | Satisfactory | FDIC | Small Bank |
| July 1, 1995 | Satisfactory | FDIC | Not Reported |
| December 1, 1993 | Satisfactory | FDIC | Not Reported |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| June 14, 2008 | Charter Discontinued (Merger or Purchase & Assumption) | NORTHERN NEW YORK BANCORP, INC. |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | WSB MUNICIPAL BANK | Non-member Bank | Watertown, NY |
| ROOT_INSTITUTION | WATERTOWN SAVINGS BANK | State Savings Bank | Watertown, NY |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered stock savings bank