BlastPoint's Banking Scorecard
Watertown Savings Bank
Community
Specialty: Commercial
NY
FDIC cert 15990
Designations: ✓ Mutual
Watertown, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Watertown Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 24% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 44% in Community
- - Delinquency Rate 1.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$941.4M
+4.3% YoY
-0.8% QoQ
|
-$450.1M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$576.4M
+4.0% YoY
+1.1% QoQ
|
-$399.1M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$762.6M
+2.6% YoY
-1.4% QoQ
|
-$402.0M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.35%
+2.8% YoY
-21.0% QoQ
|
+0.19% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
4.47%
+10.3% YoY
+1.8% QoQ
|
+0.81% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
60.11%
-1.8% YoY
+16.6% QoQ
|
-2.52% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
2.15%
+40.4% YoY
-16.6% QoQ
|
+1.53% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
75.58%
+1.3% YoY
+2.5% QoQ
|
-7.48% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
43.77%
+0.6% YoY
-1.3% QoQ
|
+22.72% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
1.34%
+37.7% YoY
-13.6% QoQ
|
+0.84% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.51%
-17.6% YoY
+37.6% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#37 of 150 · Top 24% in Community
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:
43.77%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.47%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Capital Thin
risk
#191 of 432 · Bottom 44% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 9%
in Community
Delinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
Why this stands out
Current:
2.15%
(Tier avg: 0.63%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.77% · Tier avg: 21.05%
86
86th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.58% · Tier avg: 83.06%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
56
56th pctile
Efficiency Ratio
Current: 60.11% · Tier avg: 62.63%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
46
46th pctile
Total Assets
Current: $941.4M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $762.6M · Tier avg: $1.2B
39
39th pctile
Total Loans
Current: $576.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.34% · Tier avg: 0.50%
9
9th pctile
Delinquency Rate
Current: 2.15% · Tier avg: 0.63%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.15% · Tier avg: 0.63%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.34% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Total Loans
Current: $576.4M · Tier avg: $975.5M
44
44th pctile
Total Deposits
Current: $762.6M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $941.4M · Tier avg: $1.4B
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
56
56th pctile
Efficiency Ratio
Current: 60.11% · Tier avg: 62.63%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.58% · Tier avg: 83.06%
86
86th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.77% · Tier avg: 21.05%