Sawyer Savings Bank
Saugerties, NY
IDRSSD: 605610
Total Assets
$281.08M
Latest filing
Total Deposits
$231.43M
Latest filing
Net Interest Margin
3.01%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/06/1871 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 12477 |
| State and County Number | 36111 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Kingston, NY |
Operational Info
| Number of Employees | 41 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1943 |
| Primary Insurance Agency | DIF |
| Website | www.SawyerSavings.bank |
| Data Updated | 11/14/2025 |
| CERT | 16039 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $281.08M |
| Total Deposits | $231.43M |
| Total Liabilities | $252.56M |
| Total Equity Capital | $28.52M |
| Net Income | $226.00k |
| Net Loans and Leases | $222.27M |
| Assets Per Employee ($Millions) | $6.39M |
| Bank Premises and Fixed Assets | $3.23M |
| Cash and Balances due from Depository Institutions | $12.75M |
| Deposits Held in Domestic Offices | $231.43M |
Key Performance Ratios
| Return on Assets (ROA) | 0.32% |
| Return on Equity (ROE) | 3.21% |
| Net Interest Margin | 3.01% |
| Efficiency Ratio | 85.58% |
| Tier 1 Risk-Based Capital Ratio | 16.971% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.146% |
| Earning Assets to total Assets | 95.88% |
Income and Expense
| Total Interest Income | $3.45M |
| Total Noninterest Income | $230.00k |
| Total Interest Expense | $1.42M |
| Total Noninterest Expense | $1.94M |
| Net Interest Income | $2.04M |
| Pre-tax Net Operating Income | $297.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $18.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.13M |
| Total Liabilities and Capital | $281.08M |
Securities
| Securities | $36.48M |
| Available-for-sale debt securities | $32.29M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $4.25M |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.84M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Sawyer Savings Bank?
$281.08M as of the latest filing.
How much are Sawyer Savings Bank's total deposits?
$231.43M in total deposits.
Where is Sawyer Savings Bank located?
Saugerties, NY.
What is the Net Interest Margin?
3.01%.
How many domestic offices does it operate?
4.
When was it established?
04/06/1871.
What is the Return on Assets (ROA)?
0.32%.
How much are total loans and leases?
$222.27M (latest filing).
What is the total interest income (latest filing)?
$3.45M.