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Commercial Lending Practices

Whether you already own a business or are thinking of starting one, we offer a wide variety of commercial lending products and cash management solutions for individuals, local businesses and professional practices.

We are a 5 time winner of the Small Business Administrationís Lender of the Year Award and hold an advantage over our competitors because weíre local, giving us the ability to approve our loans in-house while providing you with a level of customer service unmatched in the local banking community.

We know how busy running a business can be - thatís why we offer Total Banking Relationships.  We can handle all of your personal banking needs as well as your business needs.  Plus, our staff actively works with the economic development agencies in the Jefferson County area to help you take advantage of any special financing or tax relief programs you may qualify for.

Local Bankers, Local Decisions, Local Results - thatís the Watertown Savings Bank difference.



Commercial Loan Services

  • Small Business Loans 
  • SBA Loans
  • Construction Loans
  • Commercial Mortgages
  • Business Lines of Credit
  • Letters of Credit
  • Equipment Financing

Commercial Deposit Services

  • FREE Business Checking Accounts
  • FREE Business Savings Accounts
  • FREE Business Money Market Accounts
  • Online Banking & Electronic Services
  • Business Debit & ATM Cards
  • Business Sweep Services
  • Additional Account Services

These are just some of the business products and services what we can offer you.  For more information or to speak with our commercial lending staff, stop by our main office, call us at (315) 788-7100 or send us and email at and we will be happy to help you.