Listed locations
9
Institution profile
Watertown Savings Bank (Watertown, MA)
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, MA)
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 2, 1981
- Established date
- April 18, 1870
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Watertown, MA, 02472, United States
- FDIC certificate number
- 23298
- Federal Reserve RSSD ID
- 886204
- 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
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 23298
- Federal Reserve RSSD ID
- 886204
- Headquarters
- 60 Main ST, Watertown, MA, 02472, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 9 of 9 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ARLINGTON BRANCH | 980 Mass Avenue | Arlington | MA | 02476 |
| WAVERLY SQUARE BRANCH | 30 Church Street | Belmont | MA | 02478 |
| LEXINGTON BRANCH | 1075 Waltham Street | Lexington | MA | 02421 |
| MARKET STREET BRANCH | 25 Marketplace Drive | Waltham | MA | 02451 |
| WALTHAM/MAIN STREET BRANCH | 6 Lexington Street | Waltham | MA | 02452 |
| CHURCH STREET BRANCH | 45 Church ST | Watertown | MA | 02472 |
| EAST WATERTOWN BRANCH | 10 Bigelow Avenue | Watertown | MA | 02472 |
| NONAMTUM BRANCH | 175 Watertown Street | Watertown | MA | 02472 |
| WARRENDALE BRANCH | 739 Main Street | Watertown | MA | 02472 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- January 26, 2026
- Regulator
- Federal Reserve
- Examination method
- Intermediate Small Bank
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 |
|---|---|---|---|
| January 26, 2026 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| October 23, 2023 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| August 23, 2021 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| January 14, 2019 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| September 26, 2016 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| July 7, 2014 | Outstanding | Federal Reserve | Intermediate Small Bank |
| June 4, 2012 | Outstanding | Federal Reserve | Intermediate Small Bank |
| June 1, 2009 | Satisfactory | FDIC | Large Bank Exam |
| December 1, 2006 | Outstanding | FDIC | Large Bank Exam |
| November 1, 2003 | Outstanding | FDIC | Large Bank Exam |
| August 1, 2000 | Outstanding | FDIC | Large Bank Exam |
| November 1, 1997 | Outstanding | FDIC | Small Bank |
| May 1, 1995 | Outstanding | FDIC | Not Reported |
| September 1, 1992 | Satisfactory | FDIC | Not Reported |
| November 1, 1990 | Needs to Improve | FDIC | Not Reported |
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | WATERTOWN FIVE INC | Domestic Entity Other | Watertown, MA |
| ROOT_INSTITUTION | WATERTOWN SAVINGS BANK | State Member Bank | Watertown, MA |
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 member bank