Community Reinvestment Act (CRA) Public File

The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.

Watertown Savings Bank is proud to achieve a "Satisfactory" CRA rating from the FDIC in our most recent Performance Evaluation.

The information below is current as of April 1 of each year.  Some documents are not compatible with screen readers.  However, if you are interested in those documents, please contact us. We are happy to assist you.


Public Comments received for the current year and the prior three calendar years.  Watertown Savings Bank may, at its discretion, periodically update this to include public comments received after the annual April 1 update.


CRA Performance Evaluation


Branch Locations and Hours of Operations

List of branch locations and hours of operation as of April 1, 2023.


List of branches opened or closed in:


Assessment Areas

  • The following assessment areas represent the communities Watertown Savings Bank serves. Maps and Census tract information can be accessed by clicking the Census Track Map


Products & Services

CRA Disclosure Statements
Watertown Savings Bank CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, follow the link below, select the year you wish to review and enter either the Respondent ID or Institution Name.

Watertown Savings Bank reported data
Institution: Watertown Savings Bank
Respondent ID: 0000015990

Home Mortgage Disclosure Act Notice (HDMA)
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website ( or the Federal Financial Institutions Examination Council website (

CRA Public File Requests
Watertown Savings Bank can provide hard copies of the CRA Public File. Please note, we may charge a fee to cover copying and mailing expenses. Requests can be sent to