BanksSAWYER SAVINGS BANK

SAWYER SAVINGS BANK

SAUGERTIES, NYSmallEst. April 6, 1871, midnightFDIC #16039RSSD #605610FDIC
Latest · 2025-12-31

SAWYER SAVINGS BANK is an 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%. CET1 capital ratio: 17.48%, well above regulatory minimums. NPL ratio: 1.29% · Texas Ratio: 9.19%. Operates 4 domestic branches.

Assets
$288M
Deposits
$238M
Loans
$222M
Equity
$29M

Profitability

Return on Assets (ROA)0.23%
Return on Equity (ROE)2.27%
Net Interest Margin3.10%
Yield on Assets5.30%
Cost of Funds2.28%

Asset Quality

NPL Ratio1.29%
Net Charge-Off Ratio0.01%
Texas Ratio9.19%
NPA Ratio1.00%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio17.48%
Tier 1 Capital17.48%
Total Capital Ratio18.73%
Leverage Ratio10.81%
Loan-to-Deposit93.49%

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