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Sawyer Savings Bank
Saugerties, NY · FDIC Certificate #16039 · Chartered 04/0
Total assets
$284.74M
Total deposits
$234.18M
Total equity
$29.24M
Net loans
$221.58M
Branches (offices)
4
Net income (YTD)
$426.00K
Rank: #2,547 of 4,213 U.S. banks by assets · #92 of 115 in New York. Assets changed -0.4% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.30% |
| Return on equity | 2.93% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 10.27% |
| Tier 1 leverage ratio | 11.02% |
| Uninsured deposits (share of deposits) | 13.0% |
| Noncurrent loans (share of loans) | 2.57% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 94.6% |
| Real estate loans (share of loans) | 97.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $216.37M | 97.6% | |
| Commercial & industrial | $4.52M | 2.0% | |
| Consumer / individual | $149.00K | 0.1% | |
| Construction & development | $5.51M | 2.5% | |
| Agricultural | $3.31M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $271.35M | $236.18M | $594.00K | $25.71M |
| Jun 2023 | $291.01M | $243.17M | $18.00K | $25.93M |
| Jun 2024 | $290.85M | $242.65M | $276.00K | $26.88M |
| Jun 2025 | $285.88M | $237.31M | $383.00K | $27.88M |
| Jun 2026 | $284.74M | $234.18M | $426.00K | $29.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $234.18M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.18M.
Similar-sized banks
Victory Bank ($284.76M) · Community Savings ($284.66M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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