Call reports 2026
WATERTOWN SAVINGS BANK — 2026
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 1,444,429,000 | 1,439,099,000 |
| Total loans | 633,415,000 | 659,005,000 |
| Allowance for loan losses | 1,897,000 | 1,898,000 |
| Securities available for sale | 459,909,000 | 476,569,000 |
| Securities held to maturity | 164,605,000 | 146,526,000 |
| Trading assets | 0 | 0 |
| Total deposits | 1,259,554,000 | 1,252,196,000 |
| Interest-bearing deposits | 1,158,072,000 | 1,150,392,000 |
| Noninterest-bearing deposits | 101,482,000 | 101,804,000 |
| Equity capital | 165,965,000 | 167,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 13,869,000 | 28,215,000 |
| Interest expense | 3,851,000 | 7,607,000 |
| Net interest income | 10,018,000 | 20,608,000 |
| Noninterest income | 895,000 | 1,874,000 |
| Noninterest expense | 7,681,000 | 15,177,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 3,232,000 | 7,305,000 |
| Income tax | 726,000 | 1,680,000 |
| Net income | 2,506,000 | 5,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 170,991,000 | 174,110,000 |
| Total capital | 172,908,000 | 176,028,000 |
| Risk-weighted assets | 591,333,000 | 613,216,000 |