Side-by-side · Q2 2026 data
The Upstate National Bank vs Sawyer Savings Bank
Metric by metric
| Measure | The Upstate National Bank | Sawyer Savings Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 44 |
| Capital cushion | 52 | 60 (stronger) |
| Loan quality | 100 (stronger) | 14 |
| Earnings | 23 | 32 (stronger) |
| Funding & liquidity | 50 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 64 |
| Peer percentile | 24th | 4th |
| Total assets | $294.8M | $284.7M |
| Deposits / shares | $208.8M | $234.2M |
| Capital ratio | 10.19% | 11.02% (stronger) |
| Problem loans | 0.00% (stronger) | 2.57% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.07% | 0.30% (stronger) |
| Loans ÷ deposits | 110.3% | 94.6% (stronger) |
| Uninsured deposits | 10.2% (stronger) | 13.0% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Upstate National Bank has the higher TellerScore (63 vs 44). On the 7 directional measures above (where higher or lower is clearly better), The Upstate National Bank leads on 4 and Sawyer Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.