BlastPoint's Banking Scorecard

Sawyer Savings Bank

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

Designations: ✓ Mutual

Saugerties, NY

4 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Sawyer Savings Bank faces 7 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 0.1% in tier
- Liquidity Strain: Bottom 8.2% in tier
- Liquidity Overhang: Bottom 24.8% in tier
- Efficiency Drag: Bottom 39.1% in tier
- Return on Assets 0.97% below tier average
- Net Interest Margin 0.71% below tier average
- Delinquency Rate 0.32% above tier average

Get updates when Sawyer Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$278.8M -1.6% YoY -3.2% QoQ	-$107.3M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$218.9M -3.2% YoY -0.5% QoQ	-$36.8M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$228.5M -2.4% YoY -3.9% QoQ	-$99.5M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	0.30% -4.7% YoY +10.5% QoQ	-0.97%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 7.9% in tier
Net Interest Margin ?	3.22% +10.4% YoY +9.5% QoQ	-0.71%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	87.34% +1.9% YoY +0.6% QoQ	+22.06%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 8.2% in tier
Delinquency Rate ?	1.21% +66.4% YoY -7.2% QoQ	+0.32%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	95.81% -0.9% YoY +3.6% QoQ	+19.17%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ?	10.91% +0.5% YoY -15.8% QoQ	-11.11%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Bottom 12.5% in tier
Nonperforming Asset Ratio ?	0.95% +39.6% YoY -4.6% QoQ	+0.31%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	17.61% +7.9% YoY +0.7% QoQ	+1.78%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.07% -10.2% YoY -77.8% QoQ	-0.21%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	35%

Get Full Access to Sawyer Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#1 of 512 • Bottom 0.1% 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: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#54 of 643 • Bottom 8.2% 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: 95.81%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#184 of 739 • Bottom 24.8% 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: 17.61%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.81%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#163 of 414 • Bottom 39.1% in tier

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

Why this signature

Efficiency Ratio: 87.34%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

535

Tier 1 Capital Ratio

capital

Value: 17.61%

Peer Median: 15.83%

#535 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (7 metrics)

2455

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.27%

#2455 of 2664 Bottom 7.9% in $100M-$1B

2446

Efficiency Ratio

profitability

Value: 87.34%

Peer Median: 65.29%

#2446 of 2664 Bottom 8.2% in $100M-$1B

2333

Non-Interest-Bearing Deposit Share

funding

Value: 10.91%

Peer Median: 22.02%

#2333 of 2664 Bottom 12.5% in $100M-$1B

2282

Loan-to-Deposit Ratio

liquidity

Value: 95.81%

Peer Median: 76.64%

#2282 of 2664 Bottom 14.4% in $100M-$1B

2172

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.93%

#2172 of 2664 Bottom 18.5% in $100M-$1B

2112

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.64%

#2112 of 2664 Bottom 20.8% in $100M-$1B

2020

Delinquency Rate

credit_quality

Value: 1.21%

Peer Median: 0.89%

#2020 of 2654 Bottom 23.9% in $100M-$1B