SBA lender profile
Watertown Savings Bank
Watertown Savings Bank appears in the public SBA loan data with 31 funded 7(a) loans totaling $6.2M, an average of $200K per loan, and an estimated 205 jobs supported. Its SBA lending concentrates in New York and the Retail Trade sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
31
Total volume
$6.2M
Average loan size
$200K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
205
Programs
7(a)
Bank profile
via FDIC- Total assets
- $970M
- Headquarters
- Watertown, NY
- FDIC cert
- #15990
- Status
- Active
Where Watertown Savings Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New York | 31 | $6.2M |
What Watertown Savings Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 6 | $1.4M |
| Accommodation and Food Services | 7 | $1.4M |
| Construction | 4 | $897K |
| Educational Services | 1 | $659K |
| Health Care and Social Assistance | 3 | $655K |
| Manufacturing | 3 | $342K |
Watertown Savings Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 7 | $1.4M |
| 2021 | 10 | $2.5M |
| 2022 | 5 | $719K |
| 2023 | 2 | $247K |
| 2024 | 7 | $1.3M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Watertown Savings Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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