BlastPoint's Banking Scorecard

Watertown Savings Bank

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

Designations: ✓ Mutual

Watertown, NY

10 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in 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 41.5% in tier
+ ROA 0.62% above tier average
+ Efficiency Ratio 15.55% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.12% above tier average

Get updates when Watertown Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$970.2M +4.8% YoY +3.1% QoQ	+$584.2M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 0.9% in tier
Total Loans ?	$576.3M +2.8% YoY -0.0% QoQ	+$320.6M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 7.0% in tier
Total Deposits ?	$787.9M +3.6% YoY +3.3% QoQ	+$459.9M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Top 3.0% in tier
Return on Assets ?	1.89% +11.8% YoY +40.4% QoQ	+0.62%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	85%
Net Interest Margin ?	4.51% +7.5% YoY +0.9% QoQ	+0.58%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	49.74% -5.3% YoY -17.3% QoQ	-15.55%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	2.01% -20.0% YoY -6.7% QoQ	+1.12%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Bottom 12.4% in tier
Loan-to-Deposit Ratio ?	73.14% -0.8% YoY -3.2% QoQ	-3.49%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	44.20% -0.0% YoY +1.0% QoQ	+22.18%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Top 2.9% in tier
Nonperforming Asset Ratio ?	1.20% -21.3% YoY -10.4% QoQ	+0.56%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	16.93% +2.7% YoY -0.3% QoQ	+1.10%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.12% -2.4% YoY -75.7% QoQ	-0.16%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	64%

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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

#114 of 272 • Top 41.5% 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: 44.20%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.51%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

Total Assets

size

Value: $970.25M

Peer Median: $386.08M

#26 of 2664 Top 0.9% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 44.20%

Peer Median: 22.02%

#79 of 2664 Top 2.9% in $100M-$1B

Total Deposits

size

Value: $787.88M

Peer Median: $327.97M

#81 of 2664 Top 3.0% in $100M-$1B

187

Total Loans

size

Value: $576.29M

Peer Median: $255.72M

#187 of 2664 Top 7.0% in $100M-$1B

412

Return on Assets

profitability

Value: 1.89%

Peer Median: 1.27%

#412 of 2664 Top 15.4% in $100M-$1B

414

Efficiency Ratio

profitability

Value: 49.74%

Peer Median: 65.29%

#414 of 2664 Top 15.5% in $100M-$1B

471

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.93%

#471 of 2664 Top 17.6% in $100M-$1B

624

Tier 1 Capital Ratio

capital

Value: 16.93%

Peer Median: 15.83%

#624 of 2664 Top 23.4% in $100M-$1B

Top Weaknesses (2 metrics)

2327

Delinquency Rate

credit_quality

Value: 2.01%

Peer Median: 0.89%

#2327 of 2654 Bottom 12.4% in $100M-$1B

2246

Nonperforming Asset Ratio

credit_quality

Value: 1.20%

Peer Median: 0.64%

#2246 of 2664 Bottom 15.7% in $100M-$1B