Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

WATERTOWN SAVINGS BANK

FDIC #15990 · Location unavailable · period 20260630

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Total assets1,012,808YoY unavailable

Total deposits886,604YoY unavailable

Net loans and leases467,012YoY unavailable

Return on assets0.94%YoY unavailable

Return on equity7.67%YoY unavailable

Net interest margin2.57%YoY unavailable

Peer position

Return on assets83rdstrength · n=3246

Return on equity44thin line · n=3242

Net interest margin84thstrength · n=3246

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2022-03-31	1,012,808	886,604	467,012	0.94	7.67	2.57
2026-03-31	970,247	787,879	576,288	1.89	10.55	4.51
2026-06-30	970,986	784,288	586,711	1.90	10.51	4.67

Structure and branch footprint

10 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2008-06-14	1	1416680	298218

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.