Side-by-side · Q2 2026 data
Cayuga Lake National Bank vs Sawyer Savings Bank
Metric by metric
| Measure | Cayuga Lake National Bank | Sawyer Savings Bank |
|---|---|---|
| TellerScore | 44 | 44 |
| Capital cushion | 43 | 60 (stronger) |
| Loan quality | 18 (stronger) | 14 |
| Earnings | 44 (stronger) | 32 |
| Funding & liquidity | 78 (stronger) | 66 |
| Problem-loan coverage | 64 | 64 |
| Peer percentile | 4th | 4th |
| Total assets | $273.7M | $284.7M |
| Deposits / shares | $249.1M | $234.2M |
| Capital ratio | 9.30% | 11.02% (stronger) |
| Problem loans | 2.46% (stronger) | 2.57% |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 0.60% (stronger) | 0.30% |
| Loans ÷ deposits | 69.5% (stronger) | 94.6% |
| Uninsured deposits | 26.1% | 13.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Cayuga Lake National Bank leads on 3 and Sawyer Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.