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Wsb Municipal Bank
Watertown, NY · FDIC Certificate #7274 · Chartered 04/2
Total assets
$152.27M
Total deposits
$98.45M
Total equity
$23.42M
Net loans
$0
Branches (offices)
1
Net income (YTD)
$1.83M
Rank: #3,291 of 4,213 U.S. banks by assets · #105 of 115 in New York. Assets changed 1.2% and deposits -6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.37% |
| Return on equity | 15.91% |
| Net interest margin (YTD) | 3.10% |
| Equity to assets | 15.38% |
| Tier 1 leverage ratio | 15.23% |
| Uninsured deposits (share of deposits) | 71.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $164.91M | $119.47M | $863.00K | $9.03M |
| Jun 2023 | $155.13M | $106.00M | $442.00K | $8.62M |
| Jun 2024 | $147.16M | $113.37M | $540.00K | $14.20M |
| Jun 2025 | $150.48M | $104.72M | $1.12M | $20.11M |
| Jun 2026 | $152.27M | $98.45M | $1.83M | $23.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $98.45M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $98.45M.
Similar-sized banks
Colfax Banking Company ($152.32M) · Farmers And Merchants Bank Of Ashland ($152.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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