SAWYER SAVINGS BANK

SAUGERTIES, NY | Small | Est. April 6, 1871, midnight | FDIC #16039 | RSSD #605610 | FDIC
Latest Report: 2025-12-31

SAWYER SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in SAUGERTIES, NY, established in April 6, 1871, midnight. As of 2025-12-31, the bank reported total assets of $288M and total deposits of $238M. Profitability stands at 0.23% ROA and 2.27% ROE, with a net interest margin of 3.10%. The bank's CET1 capital ratio is 17.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.29% and a Texas Ratio of 9.19%. FDIC Certificate #16039.

Assets

$288M

Deposits

$238M

Loans

$222M

Equity

$29M

Profitability

Return on Assets (ROA) 0.23%
Return on Equity (ROE) 2.27%
Net Interest Margin (NIM) 3.10%
Yield on Assets 5.30%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 1.29%
Net Charge-Off Ratio 0.01%
Texas Ratio 9.19%
NPA Ratio 1.00%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 17.48%
Tier 1 Capital 17.48%
Total Capital Ratio 18.73%
Leverage Ratio 10.81%
Loan-to-Deposit 93.49%

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