WSB Municipal Bank
Watertown, NY
IDRSSD: 858818
Total Assets
$153.06M
Latest filing
Total Deposits
$96.31M
Latest filing
Net Interest Margin
2.69%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
021309285WATERTOWN, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
WSB Municipal Bank
111 Clinton St
Watertown, NY 13601
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/24/1913FDIC Certificate 4780
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| WSB Municipal Bank (Main) | 111 Clinton St | Watertown, NY | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/24/1913 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 13601 |
| State and County Number | 36045 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Watertown-Fort Drum, NY |
Operational Info
| Number of Employees | 0 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | N/A |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.watertownsavingsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 7274 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $153.06M |
| Total Deposits | $96.31M |
| Total Liabilities | $130.52M |
| Total Equity Capital | $22.54M |
| Net Income | $861.00k |
| Net Loans and Leases | $0 |
| Assets Per Employee ($Millions) | $0M |
| Bank Premises and Fixed Assets | $0 |
| Cash and Balances due from Depository Institutions | $8.84M |
| Deposits Held in Domestic Offices | $96.31M |
Key Performance Ratios
| Return on Assets (ROA) | 2.25% |
| Return on Equity (ROE) | 15.67% |
| Net Interest Margin | 2.69% |
| Efficiency Ratio | 2.44% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.724% |
| Earning Assets to total Assets | 99.36% |
Income and Expense
| Total Interest Income | $1.20M |
| Total Noninterest Income | $0 |
| Total Interest Expense | $178.00k |
| Total Noninterest Expense | $25.00k |
| Net Interest Income | $1.02M |
| Pre-tax Net Operating Income | $998.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $34.21M |
| Total Liabilities and Capital | $153.06M |
Securities
| Securities | $143.23M |
| Available-for-sale debt securities | $143.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of WSB Municipal Bank?
$153.06M as of the latest filing.
How much are WSB Municipal Bank's total deposits?
$96.31M in total deposits.
Where is WSB Municipal Bank located?
Watertown, NY.
What is the Net Interest Margin?
2.69%.
How many domestic offices does it operate?
1.
When was it established?
04/24/1913.
What is the Return on Assets (ROA)?
2.25%.
How much are total loans and leases?
$0 (latest filing).
What is the total interest income (latest filing)?
$1.20M.