Commercial Loans

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 6 time winner of the Small Business Administration’s Lender of the Year Award and hold an advantage over our competitors because we’re 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 - that’s 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.  That’s the Watertown Savings Bank difference.


Commercial Lending Products

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
  • Additional Banking Services


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 an email at  We will be happy to help you.

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