What is Sawyer Savings Bank's financial health grade?

Sawyer Savings Bank has a TFS Financial Health Grade of C- (score: 70.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Sawyer Savings Bank have?

Sawyer Savings Bank has 4 branch locations across the United States.

Is Sawyer Savings Bank FDIC insured?

Yes, Sawyer Savings Bank is FDIC insured (Certificate #16039).

What are the total assets of Sawyer Savings Bank?

Sawyer Savings Bank has total assets of $288.0M as reported in its most recent FDIC filing.

Sawyer Savings Bank

BankSaugerties, New York

www.SawyerSavings.bank

Total Assets

$288.0M

Total Deposits

$237.9M

Branches

Established

1871

TFS Health Grade

C-

70.3 / 100

Average financial health

How we grade

Sawyer Savings Bank is a bank headquartered in Saugerties, New York, established in 1871. With $288.0M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (70.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.81%(8%)

Total Capital Ratio

18.73%(10%)

Non-Performing Loan Ratio

1.29%

Profitability

Return on Assets (ROA)

0.27%(1%)

Return on Equity (ROE)

2.75%(10%)

Net Interest Margin

2.94%

Efficiency Ratio

86.84%(60%)

Lending & Liquidity

Total Loans

$222.4M

Loan-to-Deposit Ratio

92.50%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+0.26%

Deposit Growth (YoY)

-0.10%

Net Income

$772.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Sawyer Savings BankHQ	87 Market St	Saugerties	NY	11
Sawyer Savings Bank	3515 Route 9 W	Highland	NY	11
Sawyer Savings Bank	2 Riverview Dr	Marlboro	NY	11
Sawyer Savings Bank	100 Woodland Pond Cir	New Paltz	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.