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
Unfavorable gap of $7.6M · efficiency ratio beats 16% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.60% | 1.01% | 1.45% | Beats 13% | 548 / 629 | n/a | |
| Return on Equity | 2.91% | 5.38% | 9.30% | 13.28% | Beats 15% | 534 / 629 | n/a | |
| Net Interest Margin | 3.11% | 3.03% | 3.54% | 4.05% | Beats 29% | 449 / 629 | n/a | |
| Efficiency Ratio | 87.29% | 58.35% | 67.79% | 79.08% | Beats 16% | 529 / 629 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.57% | 0.09% | 0.46% | 1.20% | Beats 9% | 529 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 57% | 253 / 581 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 17.29% | 11.24% | 13.84% | 18.77% | Beats 70% | 186 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 18.54% | 11.58% | 14.43% | 19.66% | Beats 72% | 178 / 629 | n/a | |
| Equity / Assets | 10.27% | 9.09% | 10.65% | 13.80% | Beats 44% | 355 / 629 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 95.64% | 67.24% | 80.90% | 93.48% | 80th pctl | 121 / 594 | n/a | |
| Loans / Assets | 78.66% | 53.31% | 67.71% | 78.15% | 77th pctl | 146 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |