Sawyer Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Risk-weighted assets rose 2.6% in Q2 2026 to $179.9M, the biggest move on this page. Sawyer Savings Bank ranks 37th of 82 New York banks on CET1 ratio, in the upper half at 17.29% (Q2 2026). Sawyer Savings Bank reported 17.29% on CET1 ratio for Q2 2026, 2.22 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.29% |
| Tier 1 risk-based capital ratio | 17.29% |
| Total risk-based capital ratio | 18.54% |
| Tier 1 leverage ratio | 11.02% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $31.1M |
| Tier 1 capital | $31.1M |
| Total risk-based capital | $33.4M |
| Total equity capital | $29.2M |
| Risk-weighted assets | $179.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.27% |
| Tangible equity to tangible assets | 10.27% |
| Equity capital to average assets | 10.36% |
| Internal capital growth rate | 2.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $4.5M |
| Retained earnings | $26.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.95% | 14.95% | 16.10% | 10.05% | $194.5M |
| Q4 2023 | 15.20% | 15.20% | 16.31% | 10.06% | $191.9M |
| Q1 2024 | 15.23% | 15.23% | 16.36% | 10.17% | $192.1M |
| Q2 2024 | 15.30% | 15.30% | 16.43% | 10.23% | $192.5M |
| Q3 2024 | 15.60% | 15.60% | 16.77% | 10.29% | $189.9M |
| Q4 2024 | 15.94% | 15.94% | 17.17% | 10.40% | $187.6M |
| Q1 2025 | 16.33% | 16.33% | 17.58% | 10.64% | $184.6M |
| Q2 2025 | 16.36% | 16.36% | 17.61% | 10.72% | $185.2M |
| Q3 2025 | 16.97% | 16.97% | 18.22% | 10.76% | $179.8M |
| Q4 2025 | 17.48% | 17.48% | 18.73% | 10.81% | $175.5M |
| Q1 2026 | 17.61% | 17.61% | 18.86% | 10.91% | $175.4M |
| Q2 2026 | 17.29% | 17.29% | 18.54% | 11.02% | $179.9M |
Sawyer Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sawyer Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sawyer Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16039) · FFIEC NIC profile (RSSD 605610)