Sawyer Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sawyer Savings Bank of Saugerties, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.30% | 1.35% | -1.05% | 8th bottom |
| ROAE | 2.94% | 12.06% | -9.12% | 9th bottom |
| Net Interest Margin | 3.15% | 3.90% | -0.75% | 14th bottom |
| Efficiency Ratio | 86.98% | 63.14% | +23.84% | 8th bottom |
| PPNR / Avg Assets | 0.44% | 1.64% | -1.20% | 7th bottom |
| Yield on Earning Assets | 4.97% | 5.65% | -0.68% | 22nd bottom |
| Cost of Funds | 2.05% | 1.85% | +0.20% | 34th below |
| Net Interest Spread | 2.69% | 3.35% | -0.66% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.79% | 0.92% | +2.87% | 4th bottom |
| NPA / Total Assets | 2.98% | 0.67% | +2.31% | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 36th below |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| ACL / NPLs (Coverage) | 28.28% | 1645.83% | -1617.55% | 3rd bottom |
| Texas Ratio | 26.85% | 7.14% | +19.71% | 4th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 500.00% | 1189.62% | -689.62% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.29% | 20.83% | -3.54% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.29% | 20.86% | -3.57% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.54% | 21.94% | -3.40% | 66th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.02% | 12.46% | -1.44% | 51st above |
| Equity / Assets | 10.27% | 11.67% | -1.40% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.27% | 11.40% | -1.13% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.64% | 78.64% | +17.00% | 17th bottom |
| Core Deposit Ratio | 75.53% | 87.10% | -11.57% | 9th bottom |
| Wholesale Funding Ratio | 6.32% | 5.11% | +1.21% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.40% | 6.48% | -6.88% | 17th bottom |
| Loan Growth (Y/Y) | -1.95% | 7.64% | -9.59% | 15th bottom |
| Deposit Growth (Y/Y) | -1.32% | 6.03% | -7.35% | 16th bottom |
See Sawyer Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sawyer Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sawyer Savings Bank profile, how to read a UBPR, or how this data updates.