BlastPoint's Banking Scorecard

Watertown Savings Bank

$100M-$1B Specialty: Commercial NY FDIC cert 15990

Designations: ✓ Mutual

Watertown, NY

10 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits +3.2% year over year ($784.3M on the books).
Delinquency rate 1.97%.
Return on assets 1.90%.
Efficiency ratio 49.08% vs a 64.48% peer average.
Loan-to-deposit ratio 74.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Watertown Savings Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 32.0% in tier
+ ROA 0.58% above tier average
+ Efficiency Ratio 15.40% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.05% above tier average

Get updates when Watertown Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$971.0M +4.4% YoY +0.1% QoQ	+$584.4M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	Top 1.1% in tier
Total Loans ?	$586.7M +3.4% YoY +1.8% QoQ	+$328.4M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Top 6.7% in tier
Total Deposits ?	$784.3M +3.2% YoY -0.5% QoQ	+$457.6M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Top 3.0% in tier
Return on Assets ?	1.90% +13.9% YoY +0.3% QoQ	+0.58%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	4.67% +8.6% YoY +3.6% QoQ	+0.69%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Top 15.0% in tier
Efficiency Ratio ?	49.08% -4.9% YoY -1.3% QoQ	-15.40%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	85%
Delinquency Rate ?	1.97% -23.7% YoY -2.1% QoQ	+1.05%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 13.2% in tier
Loan-to-Deposit Ratio ?	74.81% +0.1% YoY +2.3% QoQ	-3.14%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	45.12% +0.9% YoY +2.1% QoQ	+23.09%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Top 2.8% in tier
Nonperforming Asset Ratio ?	1.19% -24.1% YoY -0.6% QoQ	+0.53%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	17.60% +4.5% YoY +3.9% QoQ	+1.69%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.25% -2.7% YoY +103.0% QoQ	-0.32%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	63%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	45.1% +0.4pp YoY +0.9pp QoQ	+23.0pp	22.1%	22.1%	22.2%	97%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	9.1% -1.2pp YoY +0.3pp QoQ	-2.5pp	11.6%	11.0%	12.5%	47%
CRE	49.9% +0.8pp YoY -0.1pp QoQ	+10.4pp	39.5%	46.2%	41.4%	70%
1-4 Family	38.8% +1.0pp YoY -0.1pp QoQ	+6.2pp	32.6%	36.6%	31.3%	68%
Consumer	3.2% -0.6pp YoY -0.1pp QoQ	-0.9pp	4.1%	5.1%	5.0%	63%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.1%	19.7%	n/a
Leverage Ratio	17.6% +0.8pp YoY +0.7pp QoQ	+5.4pp	12.2%	13.9%	12.6%	94%
Total Capital Ratio	n/a	n/a	19.9%	27.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	128 +7 (+5.8%) YoY +5 (+4.1%) QoQ	+69	58	914	482	94%
Assets per Employee ($)	$7.6M -1.4% YoY -3.8% QoQ	+$68K	$7.5M	$14.8M	$8.8M	62%
Branch Count	10 0 YoY 0 QoQ	+5	4	27	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.5pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	21%
Nonaccrual	2.0% -0.1pp YoY 0.0pp QoQ	+1.0pp	0.9%	1.3%	1.0%	87%
Allowance Coverage	0.60x +42.7% YoY +4.0% QoQ	-23.55x	24.15x	1.92x	20.23x	14%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	10.5% +0.8pp YoY 0.0pp QoQ	-1.7pp	12.2%	7.9%	11.6%	40%
Cost of Funds (YTD)	0.4% 0.0pp YoY 0.0pp QoQ	-1.3pp	1.7%	1.8%	1.7%	1%
Net Income ($, YTD)	$9.1M +19.1% YoY — QoQ	+$6.6M	$2.6M	$111.2M	$40.4M	98%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#90 of 278 • Top 32.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 45.12%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.67%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

Total Assets

size

Value: $970.99M

Peer Median: $386.57M

#30 of 2643 Top 1.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 45.12%

Peer Median: 22.03%

#76 of 2643 Top 2.8% in $100M-$1B

Total Deposits

size

Value: $784.29M

Peer Median: $326.73M

#81 of 2643 Top 3.0% in $100M-$1B

177

Total Loans

size

Value: $586.71M

Peer Median: $258.35M

#177 of 2643 Top 6.7% in $100M-$1B

397

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.99%

#397 of 2643 Top 15.0% in $100M-$1B

398

Efficiency Ratio

profitability

Value: 49.08%

Peer Median: 64.48%

#398 of 2643 Top 15.0% in $100M-$1B

427

Return on Assets

profitability

Value: 1.90%

Peer Median: 1.32%

#427 of 2643 Top 16.1% in $100M-$1B

544

Tier 1 Capital Ratio

capital

Value: 17.60%

Peer Median: 15.91%

#544 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (2 metrics)

2287

Delinquency Rate

credit_quality

Value: 1.97%

Peer Median: 0.92%

#2287 of 2633 Bottom 13.2% in $100M-$1B

2209

Nonperforming Asset Ratio

credit_quality

Value: 1.19%

Peer Median: 0.67%

#2209 of 2643 Bottom 16.5% in $100M-$1B