Side-by-side · Q2 2026 data
Rhinebeck Bank vs Sawyer Savings Bank
Metric by metric
| Measure | Rhinebeck Bank | Sawyer Savings Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 44 |
| Capital cushion | 59 | 60 (stronger) |
| Loan quality | 87 (stronger) | 14 |
| Earnings | 53 (stronger) | 32 |
| Funding & liquidity | 66 | 66 |
| Problem-loan coverage | 95 (stronger) | 64 |
| Peer percentile | 53rd | 4th |
| Total assets | $1.5B | $284.7M |
| Deposits / shares | $1.3B | $234.2M |
| Capital ratio | 10.93% | 11.02% (stronger) |
| Problem loans | 0.38% (stronger) | 2.57% |
| Net charge-offs | 0.14% | 0.01% (stronger) |
| Return on assets | 0.82% (stronger) | 0.30% |
| Loans ÷ deposits | 70.5% (stronger) | 94.6% |
| Uninsured deposits | 36.5% | 13.0% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Rhinebeck Bank has the higher TellerScore (69 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Rhinebeck Bank leads on 4 and Sawyer Savings Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.