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Advertiser Disclosure
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 WSB Municipal Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 14, 2026
WSB Municipal Bank's top rates as of October 14, 2026 are 3.09% APY on its CD - 1 Year, 0.10% APY on savings, 0.10% APY on money market accounts, 7.00% on its Adjustable Rate Mortgage - 5/1 Year ARM, and rv, boat and powersport loans from 8.256% APR, according to rates verified by MonitorBankRates. Other WSB Municipal Bank CD rates include 18-Months CD - 18-Month at 1.28%, CD - 5 Years at 1.02%, and CD - 4 Years at 0.97%. Other WSB Municipal Bank mortgage rates include Adjustable Rate Mortgage NO CLOSING COSTS - 5/1 Year ARM at 7.75%, 15 Year Mortgage at 7.25%, and Adjustable Rate Mortgage - 5/5 Year ARM at 7.125%. MonitorBankRates evaluates the financial stability of WSB Municipal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/14/2026. WSB Municipal Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at WSB Municipal Bank? Share your experience about WSB Municipal Bank by leaving a review below, or read customer reviews before you decide to use WSB Municipal Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. WSB Municipal Bank CD Rates
WSB Municipal Bank Savings Rates
WSB Municipal Bank Money Market Rates
WSB Municipal Bank Mortgage Rates
WSB Municipal Bank RV, Boat and Powersport Loan Rates
Financial Health HistoryWSB Municipal Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.2 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for WSB Municipal Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather WSB Municipal Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with WSB Municipal Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
WSB Municipal Bank
FDIC Certificate #
7274
Address
111 Clinton St,
Watertown, NY 13601 · Jefferson
Established
19130424
FDIC Insurance Date
19340101
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
2.3660%
Return on Equity (ROE)
15.9100%
Non-Performing Loans (NPL)
0.00%
Total Assets
$152,273,000
Total Deposits
$98,451,000
Equity Capital
$23,424,000
Net Income
$1,827,000
Headquarters
Watertown
Total Branches and Offices
1
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for WSB Municipal Bank yet. Feel free to create one below.
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Add Your Rating and Review for WSB Municipal Bank
Frequently Asked Questions About WSB Municipal BankHow many branches does WSB Municipal Bank operate?WSB Municipal Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, WSB Municipal Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, WSB Municipal Bank provides members with tools to manage their accounts and build a solid financial history. Does WSB Municipal Bank offer online and mobile banking?Most modern institutions like WSB Municipal Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.watertownsavingsbank.com. Current WSB Municipal Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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