Sawyer Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 6.97 percentage points higher than in Q1 2026, at 16.45%. Within New York, Sawyer Savings Bank is 24th of 105 on loan-to-deposit ratio, 95.64% as of Q2 2026, above the middle of the field. Sawyer Savings Bank reported 95.64% on loan-to-deposit ratio for Q2 2026, 14.81 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $224.0M |
| Net loans and leases | $221.6M |
| Loans held for sale | $0 |
| Loans to total assets | 78.66% |
| Loan-to-deposit ratio | 95.64% |
| Net loans to equity capital | 7.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.25% |
| Multifamily (5+ residential) | 19.31% |
| Commercial and industrial | 2.01% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 1.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.80% |
| Construction concentration (Tier 1 capital + allowance) | 16.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $3.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $234.8M | $240.1M | 14.95% | 2.75% | 0.09% |
| Q4 2023 | $233.3M | $242.8M | 15.57% | 3.12% | 0.10% |
| Q1 2024 | $234.2M | $242.6M | 15.17% | 3.49% | 0.10% |
| Q2 2024 | $234.9M | $242.7M | 15.42% | 3.21% | 0.10% |
| Q3 2024 | $233.0M | $237.3M | 15.79% | 2.84% | 0.10% |
| Q4 2024 | $231.6M | $238.1M | 15.58% | 2.74% | 0.10% |
| Q1 2025 | $228.5M | $234.1M | 15.52% | 2.89% | 0.09% |
| Q2 2025 | $228.4M | $237.3M | 15.16% | 3.24% | 0.09% |
| Q3 2025 | $224.6M | $231.4M | 15.13% | 2.25% | 0.09% |
| Q4 2025 | $222.4M | $237.9M | 14.35% | 2.24% | 0.09% |
| Q1 2026 | $221.3M | $228.5M | 14.55% | 2.14% | 0.08% |
| Q2 2026 | $224.0M | $234.2M | 14.25% | 2.01% | 0.07% |
Sawyer Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sawyer Savings Bank, freeSource: Call Report Schedule RC-C, 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)