STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
110
2010–2025
Total Volume
$31M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
108 total segments
Watertown Savings Bank has a strong focus on startups, with 60% of their deals going to new businesses. This could be beneficial if you're launching a new venture.
With an average 7(a) spread of P+2.08%, Watertown Savings Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
The bank's 504 share is 13%, which is slightly below the national average of 18%. If you're considering a real estate purchase, you may want to explore other lenders with a higher 504 focus.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 14 504 loans, which use fixed SBA debenture rates.
States where Watertown Savings Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Watertown Savings Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.75% | $76K | Q2 2022 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+1.88% | $238K | Q4 2023 |
| New York · Manufacturing · Under $150K | 7(a) | 5 | P+2.50% | $88K | Q3 2021 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+2.00% | $84K | Q1 2024 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+2.25% | $126K | Q2 2023 |
| New York · Physician & Dental Offices · Under $150K | 7(a) | 4 | P+2.38% | $75K | Q4 2019 |
| New York · Other Repair & Services · Under $150K | 7(a) | 4 | P+2.50% | $79K | Q2 2017 |
| New York · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+3.25% | $298K | Q1 2020 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+2.00% | $90K | Q2 2024 |
| New York · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+2.25% | $282K | Q2 2024 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+3.00% | $24K | Q1 2015 |
| New York · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.50% | $207K | Q2 2021 |
| New York · Wholesale Trade · Under $150K | 7(a) | 3 | P+2.75% | $56K | Q3 2016 |
| New York · General Merchandise · Under $150K | 7(a) | 3 | P+2.25% | $27K | Q1 2018 |
| New York · Other Health Practitioners · Under $150K | 7(a) | 2 | P+3.00% | $83K | Q2 2014 |
| New York · Hotels & Accommodation · $350K – $500K | 504 | 2 | — | $411K | Q4 2021 |
| New York · Hotels & Accommodation · $1M – $2M | 504 | 2 | — | $1.5M | Q2 2015 |
| New York · Real Estate · Under $150K | 7(a) | 2 | P+-0.13% | $123K | Q4 2020 |
| New York · Miscellaneous Retail · $150K – $350K | 7(a) | 2 | P+1.63% | $280K | Q3 2024 |
| New York · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+0.13% | $263K | Q4 2021 |
| New York · Physician & Dental Offices · $500K – $1M | 7(a) | 2 | P+0.75% | $732K | Q2 2019 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+1.88% | $83K | Q2 2024 |
| New York · Education · Under $150K | 7(a) | 1 | P+1.50% | $90K | Q1 2018 |
| New York · Education · $500K – $1M | 7(a) | 1 | P+1.50% | $659K | Q2 2021 |
| New York · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 1 | P+2.75% | $265K | Q4 2015 |
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