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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 $0.2MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $205.0M12%Noninterest $29.2MQ2 2025Q2 2026

NIM

4.74%Q2 ’244.81%Q2 ’254.90%Q2 ’26+3%+11%

Non-interest income vs. expense

2.70%Q2 ’242.73%Q2 ’252.98%Q2 ’26+5%+8%

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 8 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 0.02%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.30%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.11%+30 bps YoY

Efficiency Ratio (quarter, annualized)

87.24%-177 bps YoY

Tier 1 Leverage Ratio

11.02%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.32%0.23%0.30%0.30%+8 bps
Return on Equity2.28%3.21%2.27%2.93%2.94%+66 bps
Net Interest Margin2.80%2.87%2.86%3.10%3.11%+30 bps
Efficiency Ratio89.01%85.58%87.13%87.34%87.24%-177 bps
Non-Interest Burden2.47%2.41%2.43%2.67%2.67%+20 bps
Growth
Asset Growth (YoY)-1.71%-2.05%0.26%-1.63%-0.40%+131 bps
Loan Growth (YoY)-2.76%-3.60%-3.99%-3.15%-1.95%+81 bps
Deposit Growth (YoY)-2.20%-2.49%-0.10%-2.37%-1.32%+88 bps
Asset Quality
Nonperforming Loans / Loans1.60%2.04%1.29%1.20%2.57%+97 bps
Net Charge-Offs / Loans0.01%0.00%0.02%0.01%0.02%+1 bps
Allowance / Loans1.02%1.03%1.06%1.08%1.07%+5 bps
Allowance Coverage of NPLs0.6x0.5x0.8x0.9x0.4x-0.2x
Capital
Tier 1 Leverage Ratio10.72%10.76%10.81%10.91%11.02%+30 bps
Total Risk-Based Capital17.61%18.22%18.73%18.86%18.54%+94 bps
Equity / Assets9.75%10.15%10.03%10.39%10.27%+52 bps
Liquidity & Funding
Loans / Deposits96.26%97.04%93.49%96.85%95.64%-62 bps
Liquid Assets / Assets4.33%4.68%8.03%5.52%6.79%+246 bps
CRE / Total Capitaln/a276%262%261%n/an/a