BlastPoint's Banking Scorecard

Sawyer Savings Bank

$100M-$1B Specialty: Commercial NY FDIC cert 16039

Designations: ✓ Mutual

Saugerties, NY

4 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits -1.3% year over year ($234.2M on the books).
Delinquency rate 2.60%.
Return on assets 0.30%.
Efficiency ratio 87.29% vs a 64.48% peer average.
Loan-to-deposit ratio 94.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Sawyer Savings Bank faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 1.9% in tier
- Liquidity Strain: Bottom 7.4% in tier
- Liquidity Overhang: Bottom 29.0% in tier
- Efficiency Drag: Bottom 47.4% in tier
- Return on Assets 1.02% below tier average
- Delinquency Rate 1.68% above tier average
- Nonperforming Asset Ratio 1.35% above tier average
- Net Interest Margin 0.77% below tier average

Get updates when Sawyer Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$284.7M -0.4% YoY +2.1% QoQ	-$101.8M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	43%
Total Loans ?	$221.6M -2.0% YoY +1.2% QoQ	-$36.8M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$234.2M -1.3% YoY +2.5% QoQ	-$92.6M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	0.30% +11.9% YoY +0.3% QoQ	-1.02%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 7.3% in tier
Net Interest Margin ?	3.21% +10.3% YoY -0.3% QoQ	-0.77%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	87.29% -0.0% YoY -0.1% QoQ	+22.81%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 7.7% in tier
Delinquency Rate ?	2.60% +61.1% YoY +114.5% QoQ	+1.68%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 8.1% in tier
Loan-to-Deposit Ratio ?	94.62% -0.7% YoY -1.2% QoQ	+16.67%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	12.47% +13.8% YoY +14.3% QoQ	-9.56%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	2.02% +58.5% YoY +112.6% QoQ	+1.35%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 6.8% in tier
Tier 1 Capital Ratio ?	17.29% +5.7% YoY -1.8% QoQ	+1.38%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.15% +3.1% YoY +103.5% QoQ	-0.42%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	12.5% +1.5pp YoY +1.6pp QoQ	-9.7pp	22.1%	22.1%	22.2%	15%
Brokered Deposits	13.6% -3.4pp YoY -0.5pp QoQ	+5.8pp	7.9%	8.0%	8.5%	83%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	2.0% -1.2pp YoY -0.1pp QoQ	-9.5pp	11.6%	11.0%	12.5%	7%
CRE	36.5% -1.5pp YoY -0.4pp QoQ	-3.1pp	39.5%	46.2%	41.4%	46%
1-4 Family	59.2% +2.5pp YoY +0.3pp QoQ	+26.6pp	32.6%	36.6%	31.3%	89%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.1%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	17.3% +0.9pp YoY -0.3pp QoQ	-1.5pp	18.8%	26.1%	19.7%	65%
Leverage Ratio	11.0% +0.3pp YoY +0.1pp QoQ	-1.2pp	12.2%	13.9%	12.6%	51%
Total Capital Ratio	18.5% +0.9pp YoY -0.3pp QoQ	-1.4pp	19.9%	27.2%	20.8%	66%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	44 +3 (+7.3%) YoY +2 (+4.8%) QoQ	-15	58	914	482	46%
Assets per Employee ($)	$6.5M -7.2% YoY -2.5% QoQ	-$1.0M	$7.5M	$14.8M	$8.8M	42%
Branch Count	4 0 YoY 0 QoQ	-1	4	27	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	2.6% +1.0pp YoY +1.4pp QoQ	+1.7pp	0.9%	1.3%	1.0%	92%
Allowance Coverage	0.42x -34.6% YoY -53.5% QoQ	-23.74x	24.15x	1.92x	20.23x	7%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	2.9% +0.2pp YoY 0.0pp QoQ	-9.3pp	12.2%	7.9%	11.6%	8%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	62%
Net Income ($, YTD)	$426,000 +11.2% YoY — QoQ	-$2.1M	$2.6M	$111.2M	$40.4M	9%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Flatlined Growth

risk

#11 of 529 • Bottom 1.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.30%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#52 of 691 • Bottom 7.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.62%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#216 of 742 • Bottom 29.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.29%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 94.62%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#172 of 361 • Bottom 47.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 87.29%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

581

Tier 1 Capital Ratio

capital

Value: 17.29%

Peer Median: 15.91%

#581 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (7 metrics)

2463

Nonperforming Asset Ratio

credit_quality

Value: 2.02%

Peer Median: 0.67%

#2463 of 2643 Bottom 6.8% in $100M-$1B

2450

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.32%

#2450 of 2643 Bottom 7.3% in $100M-$1B

2441

Efficiency Ratio

profitability

Value: 87.29%

Peer Median: 64.48%

#2441 of 2643 Bottom 7.7% in $100M-$1B

2420

Delinquency Rate

credit_quality

Value: 2.60%

Peer Median: 0.92%

#2420 of 2633 Bottom 8.1% in $100M-$1B

2229

Non-Interest-Bearing Deposit Share

funding

Value: 12.47%

Peer Median: 22.03%

#2229 of 2643 Bottom 15.7% in $100M-$1B

2208

Net Interest Margin

profitability

Value: 3.21%

Peer Median: 3.99%

#2208 of 2643 Bottom 16.5% in $100M-$1B

2196

Loan-to-Deposit Ratio

liquidity

Value: 94.62%

Peer Median: 77.95%

#2196 of 2643 Bottom 17.0% in $100M-$1B