Headquartered in Saugerties, New York, Sawyer Savings Bank is a si with $284.7M in total assets and $234.2M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1871.
Sawyer Savings Bank has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 104th. Funding & liquidity contributes the most (66/100, 95% loans-to-deposits, 13% uninsured); loan quality contributes the least (14/100, 2.57%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 8 points (52 → 44), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 52 |
| Q4 2024 | 56 |
| Q1 2025 | 61 |
| Q2 2025 | 52 |
| Q3 2025 | 48 |
| Q4 2025 | 56 |
| Q1 2026 | 57 |
| Q2 2026 | 44 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.23% |
| Q3 2024 | 10.29% |
| Q4 2024 | 10.40% |
| Q1 2025 | 10.64% |
| Q2 2025 | 10.72% |
| Q3 2025 | 10.76% |
| Q4 2025 | 10.81% |
| Q1 2026 | 10.91% |
| Q2 2026 | 11.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.04% |
| Q1 2025 | 0.72% |
| Q2 2025 | 1.60% |
| Q3 2025 | 2.04% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.20% |
| Q2 2026 | 2.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $284.7M | 11.02% | 2.57% | 0.30% | 94.6% |
| Q1 2026 | 57 | $278.8M | 10.91% | 1.20% | 0.30% | 95.8% |
| Q4 2025 | 56 | $288.0M | 10.81% | 1.29% | 0.27% | 92.5% |
| Q3 2025 | 48 | $281.1M | 10.76% | 2.04% | 0.29% | 96.0% |
| Q2 2025 | 52 | $285.9M | 10.72% | 1.60% | 0.27% | 95.3% |
| Q1 2025 | 61 | $283.4M | 10.64% | 0.72% | 0.31% | 96.6% |
| Q4 2024 | 56 | $287.2M | 10.40% | 1.04% | 0.25% | 96.3% |
| Q3 2024 | 52 | $287.0M | 10.29% | 1.38% | 0.21% | 97.2% |
| Q2 2024 | 57 | $290.8M | 10.23% | 0.91% | 0.19% | 95.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Upstate National BankBank Ogdensburg, NY | 63 out of 100, Moderate | $294.8M | 10.2% | 0.00% | vs |
| Cayuga Lake National BankBank Union Springs, NY | 44 out of 100, Below average | $273.7M | 9.3% | 2.46% | vs |
| Global BankBank New York, NY | 36 out of 100, Low | $304.2M | 12.1% | 4.49% | vs |
| American Community BankBank Glen Cove, NY | 78 out of 100, Strong | $306.5M | 13.4% | 0.00% | vs |
| Bank of HollandBank Holland, NY | 70 out of 100, Strong | $261.6M | 8.8% | 0.33% | vs |
| Bank of MillbrookBank Millbrook, NY | 73 out of 100, Strong | $311.7M | 12.1% | 1.76% | vs |
Deposit insurance
Is my money safe at Sawyer Savings Bank?
Yes. Sawyer Savings Bank is an FDIC-insured institution (FDIC certificate #16039). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.0% of deposits ($30.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.54% (benchmark: 10%).
4 locations
Branches
Sawyer Savings Bank lists 4 offices in 4 cities. Most locations:
- Highland, NY (1)
- Marlboro, NY (1)
- New Paltz, NY (1)
- Saugerties, NY (1)
Identity & history
Profile
- Legal name
- Sawyer Savings Bank
- Type
- SI
- FDIC certificate #
- 16039
- RSSD ID
- 605610
- Primary regulator
- FDIC
- Established
- April 6, 1871
- Headquarters
- 87 Market St, Saugerties, NY 12477
- Website
- www.sawyersavings.bank
- Employees
- 44
Quick answers
Sawyer Savings Bank: common questions
Is Sawyer Savings Bank FDIC insured?
Yes. Sawyer Savings Bank is an FDIC-insured institution (FDIC certificate #16039). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sawyer Savings Bank's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sawyer Savings Bank ever failed?
There is no failure record for FDIC certificate #16039 in the FDIC failed bank list.
How many branches does Sawyer Savings Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saugerties
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Self Reliance Financial Federal Credit UnionCredit union New York, NY | 79 out of 100, Strong | $2.0B | 17.2% | 0.63% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
| Greene County Commercial BankBank Catskill, NY | 73 out of 100, Strong | $1.3B | 10.1% | 0.00% | vs |
| Bank of MillbrookBank Millbrook, NY | 73 out of 100, Strong | $311.7M | 12.1% | 1.76% | vs |
| Mid-Hudson Valley Federal Credit UnionCredit union Kingston, NY | 69 out of 100, Moderate | $1.7B | 9.9% | 0.36% | vs |
| Rhinebeck BankBank Rhinebeck, NY | 69 out of 100, Moderate | $1.5B | 10.9% | 0.38% | vs |