BlastPoint's Banking Scorecard
Watertown Savings Bank
Community
Specialty: Mortgage
MA
FDIC cert 23298
Designations: ✓ Mutual
Watertown, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Watertown Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.50% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 26% in Community
- - Deposit Outflow: Bottom 31% in Community
- - Net Interest Margin 0.99% below tier
- - Loan-to-Deposit Ratio 32.26% below tier
- - Non-Interest-Bearing Deposit Share 12.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-2.9% YoY
-2.3% QoQ
|
+$43.3M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$635.0M
+4.2% YoY
+0.0% QoQ
|
-$340.5M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$1.2B
-4.6% YoY
-2.9% QoQ
|
+$85.4M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.62%
+85.4% YoY
-0.2% QoQ
|
-0.55% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.67%
+23.6% YoY
+2.0% QoQ
|
-0.99% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
71.21%
-13.4% YoY
+1.3% QoQ
|
+8.58% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.33%
+306.3% YoY
+16.9% QoQ
|
-0.30% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
50.80%
+9.2% YoY
+3.0% QoQ
|
-32.26% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.29%
+5.0% YoY
+4.3% QoQ
|
-12.76% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+335.8% YoY
+19.7% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
28.74%
+5.1% YoY
+1.6% QoQ
|
+18.50% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.26%
-0.2% YoY
+43.5% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
28.74%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (5)
Credit Risk Growth
risk
#166 of 642 · Bottom 26% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#78 of 248 · Bottom 31% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.67%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
50.80%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.29%
(Tier avg: 21.05%, National avg: 21.79%)
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
99
99th pctile
Tier 1 Capital Ratio
Current: 28.74% · Tier avg: 10.24%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
44
44th pctile
Total Loans
Current: $635.0M · Tier avg: $975.5M
24
24th pctile
Efficiency Ratio
Current: 71.21% · Tier avg: 62.63%
17
17th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
16
16th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.16%
9
9th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.66%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.29% · Tier avg: 21.05%
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.80% · Tier avg: 83.06%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.80% · Tier avg: 83.06%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.29% · Tier avg: 21.05%
9
9th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.66%
16
16th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.16%
17
17th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
24
24th pctile
Efficiency Ratio
Current: 71.21% · Tier avg: 62.63%
44
44th pctile
Total Loans
Current: $635.0M · Tier avg: $975.5M
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
99
99th pctile
Tier 1 Capital Ratio
Current: 28.74% · Tier avg: 10.24%