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Sawyer Savings Bank

Saugerties, NY · Cert 16039

SI · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sawyer Savings Bank

Saugerties, NY · Cert 16039

SI · FDIC · 4 branches

Q2 2026

$284.7MAssets
$224.0MLoans
$234.2MDeposits
$29.2MEquity
Loan mix
98%RE $213.4M2%C&I $4.8M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $205.0M12%Noninterest $29.2MQ3 2024Q2 2026

Market Position · Kingston, NY · 2026 SOD (annual) · 4.7% share · #8 of 16 inst. · $0.2B of $5.0B

Executive Summary

  • Earnings: ROA of 0.30%, up 3 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 2.57% of loans (+97 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.02%, up 30 bps from a year ago.
  • Funding: loans stand at 95.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.30%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+30 bps YoY

Efficiency Ratio (YTD, annualized)

87.29%-4 bps YoY

Tier 1 Leverage Ratio

11.02%+30 bps YoY

NIM

4.69%Q2 ’244.83%Q2 ’254.91%Q2 ’26+4%+11%

Non-interest income vs. expense

2.68%Q2 ’242.71%Q2 ’252.98%Q2 ’26+1%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.25%0.31%0.27%0.29%0.27%0.30%0.30%+3 bps
Return on Equity2.26%2.72%3.24%2.76%2.91%2.75%2.93%2.93%+17 bps
Net Interest Margin2.71%2.72%2.81%2.81%2.83%2.83%3.10%3.11%+30 bps
Efficiency Ratio88.66%86.63%85.70%87.33%86.74%86.84%87.34%87.29%-4 bps
Non-Interest Burden2.37%2.32%2.36%2.42%2.41%2.42%2.67%2.68%+26 bps
Growth
Asset Growth (YoY)-1.25%-1.09%-2.39%-1.71%-2.05%0.26%-1.63%-0.40%+131 bps
Loan Growth (YoY)-0.78%-0.70%-2.45%-2.76%-3.60%-3.99%-3.15%-1.95%+81 bps
Deposit Growth (YoY)-1.14%-1.91%-3.53%-2.20%-2.49%-0.10%-2.37%-1.32%+88 bps
Asset Quality
Nonperforming Loans / Loans1.38%1.04%0.72%1.60%2.04%1.29%1.20%2.57%+97 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0.01%0.01%0.01%0 bps
Allowance / Loans0.94%0.98%1.01%1.02%1.03%1.06%1.08%1.07%+5 bps
Allowance Coverage of NPLs0.7x0.9x1.4x0.6x0.5x0.8x0.9x0.4x-0.2x
Capital
Tier 1 Leverage Ratio10.29%10.40%10.64%10.72%10.76%10.81%10.91%11.02%+30 bps
Total Risk-Based Capital16.77%17.17%17.58%17.61%18.22%18.73%18.86%18.54%+94 bps
Equity / Assets9.63%9.54%9.83%9.75%10.15%10.03%10.39%10.27%+52 bps
Liquidity & Funding
Loans / Deposits98.15%97.28%97.63%96.26%97.04%93.49%96.85%95.64%-62 bps
Liquid Assets / Assets2.17%3.62%3.29%4.33%4.68%8.03%5.52%6.79%+246 bps
CRE / Total Capitaln/an/an/an/a276%262%261%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sawyer Savings Bank

Saugerties, NY · Cert 16039 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 4 branches

Q2 2026

$284.7MAssets
$224.0MLoans
$234.2MDeposits
$29.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets (rank 178 of 629).
  • Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets (rank 529 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.30%

Rank 548 of 629

Net Interest Margin

3.11%

Rank 449 of 629

Efficiency Ratio

87.29%

Rank 529 of 629

Equity / Assets

10.27%

Rank 355 of 629

Non-interest income vs. expense

$0.9M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.6M · efficiency ratio beats 16% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.30%0.60%1.01%1.45%Beats 13%548 / 629n/a
Return on Equity2.91%5.38%9.30%13.28%Beats 15%534 / 629n/a
Net Interest Margin3.11%3.03%3.54%4.05%Beats 29%449 / 629n/a
Efficiency Ratio87.29%58.35%67.79%79.08%Beats 16%529 / 629n/a
Asset Quality
Nonperforming Loans / Loans2.57%0.09%0.46%1.20%Beats 9%529 / 581n/a
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 57%253 / 581n/a
Capital
Tier 1 Capital Ratio17.29%11.24%13.84%18.77%Beats 70%186 / 629n/a
Total Risk-Based Capital Ratio18.54%11.58%14.43%19.66%Beats 72%178 / 629n/a
Equity / Assets10.27%9.09%10.65%13.80%Beats 44%355 / 629n/a
Liquidity & Funding
Loans / Deposits95.64%67.24%80.90%93.48%80th pctl121 / 594n/a
Loans / Assets78.66%53.31%67.71%78.15%77th pctl146 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution