Sawyer Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Sawyer Savings Bank is an FDIC-insured savings bank headquartered in Saugerties, NY, established in 1871 (FDIC certificate 16039), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $284.7M, down 0.4% from Q2 2025, the 85th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 17.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16039
- Headquarters
- Saugerties, NY
- Established
- 1871
- Total assets, Q2 2026
- $284.7M
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 17.29%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 221971138
- Latest call report
- Q2 2026, FFIEC 051 · Sawyer Savings Bank call report
- Asset rank in state
- 85th of 105 in New York
Problem loans are rising at Sawyer Savings Bank. It reported $285 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.57% of loans from 1.60% a year earlier. It earns about $0.30 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The multifamily book ($43 million) is worsening: 6.36% of it is past due or on nonaccrual, up from 2.85% a year earlier. Earnings jumped: net income for the quarter was $214,000, 35% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 18.2% of the capital and reserves that would absorb them, 6.9 times the median of 2.6% for banks its size.
As of June 30, 2026, Sawyer Savings Bank reported a CET1 capital ratio of 17.29%, a return on assets of 0.30%, a nonperforming-loan ratio of 2.57% and a Texas ratio of 18.19%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sawyer Savings Bank is the 85th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $284.7M, loans rose 1.2% and deposits rose 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 58.6% of total loans, ahead of multifamily loans at 19.3%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in NY; its Saugerties office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sawyer Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 87 Market St, Saugerties, NY 12477
- County
- Ulster
- Metro Area
- Kingston, NY
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 6, 1871
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $234.2M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $282.3M
- Average total loans
- $224.7M
- Average interest-bearing deposits
- $202.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 16039
- Fed RSSD
- 605610
- Website
- www.SawyerSavings.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Sawyer Savings Bank's total assets ranged from $278.8M (Q1 2026) to $290.8M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$284.7M total assets against $285.9M; $255.5M total liabilities against $258.0M.
$221.6M net loans and leases against $226.1M; $234.2M total deposits against $237.3M.
$34.5M securities against $38.3M; $19.1M cash and balances due against $11.8M.
$3.5M total interest income against $3.4M; $1.3M total interest expense against $1.4M.
$2.2M net interest income against $2.0M.
$221K total noninterest income against $183K; $2.1M total noninterest expense against $1.9M.
$30K provision for credit losses against $30K.
$214K net income against $159K.
0.30% return on assets against 0.23%; 3.15% net interest margin against 2.84%.
17.29% CET1 capital ratio against 16.36%; 11.02% tier 1 leverage ratio against 10.72%.
Inside the full Sawyer Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Sawyer Savings Bank rankings
Its closest position to the top of a national ranking is 214 of 3,640, for Texas Ratio; its furthest is 3,414 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.23% (Q2 2025) to 0.39% (Q4 2024) and its net interest margin ran from 2.75% (Q4 2024) to 3.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.29% | 0.30% | 2.57% | 18.19% | 3.15% |
| Q1 2026 | 17.61% | 0.30% | 1.20% | 8.45% | 3.14% |
| Q4 2025 | 17.48% | 0.23% | 1.29% | 9.19% | 2.84% |
| Q3 2025 | 16.97% | 0.32% | 2.04% | 14.84% | 2.87% |
| Q2 2025 | 16.36% | 0.23% | 1.60% | 12.07% | 2.84% |
| Q1 2025 | 16.33% | 0.32% | 0.72% | 6.40% | 2.86% |
| Q4 2024 | 15.94% | 0.39% | 1.04% | 8.12% | 2.75% |
| Q3 2024 | 15.60% | 0.25% | 1.38% | 10.80% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sawyer Savings Bank (main office) | Saugerties , NY | 12477 | $156.3M |
| Riverview Road Branch | Marlboro , NY | 12542 | $28.6M |
| Highland Branch | Highland , NY | 12528 | $27.2M |
| New Paltz Branch | New Paltz , NY | 12561 | $22.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 126 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $621K approved, $621K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sawyer Savings Bank
What are Sawyer Savings Bank's total assets?
As of the Q2 2026 filing, Sawyer Savings Bank reported total assets of $284.7 million in its FFIEC call report.
Where is Sawyer Savings Bank headquartered?
It is headquartered in Saugerties, NY, United States.
When was Sawyer Savings Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Sawyer Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #16039). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sawyer Savings Bank?
Sawyer Savings Bank's primary federal regulator is the FDIC.
What is Sawyer Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sawyer Savings Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sawyer Savings Bank's Texas Ratio?
Its Texas Ratio is 18.19% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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