# SAWYER SAVINGS BANK
SAUGERTIES, NY · FDIC certificate 16039 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $284.7M | |
| Deposits | $234.2M | |
| Loans and leases | $224.0M | |
| Total equity | $29.2M | |
| Loans / deposits | 94.62% (p87 of band) | 73.59% |
| Liquid assets / assets | 18.78% (p19 of band) | |
| Uninsured deposits / deposits | 12.99% (p24 of band) | 19.81% |
| Brokered deposits | 11.22% | |
| Wholesale funding | 17.55% (p93 of band) | |
| FHLB advances / assets | 6.32% | |
| Tier 1 leverage | 11.02% (p40 of band) | 11.76% |
| Unrealized securities loss / equity | -7.95% (p46 of band) | -6.57% |
| AOCI / equity | -0.23% (p58 of band) | |
| ROA (annualized) | 0.30% (p12 of band) | 1.17% |
| Net interest margin | 3.21% (p19 of band) | 3.93% |
| Efficiency ratio | 87.29% (p87 of band) | |
| Noncurrent loans | 2.57% (p90 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p64 of band) | |
| Reserve coverage of noncurrent | 41.73% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 18.85% (p52 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 2 | brokered >10% |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 | expense ratio p90 | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | reserve under noncurrent | expense ratio p90 |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 5 | expense ratio p90 |  |
| 2016-09 | 4 |  | reserve under noncurrent |
| 2016-12 | 3 |  | expense ratio p90 |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 3 | reserve under noncurrent |  |
| 2018-09 | 3 | expense ratio p90 | reserve under noncurrent |
| 2018-12 | 2 |  | expense ratio p90 |
| 2019-03 | 3 | expense ratio p90 |  |
| 2019-06 | 4 | reserve under noncurrent |  |
| 2019-09 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2019-12 | 7 | capital falling |  |
| 2020-03 | 3 |  | expense ratio p90, charge-offs p90, uninsured deposits leaving, capital falling |
| 2020-06 | 4 | expense ratio p90 |  |
| 2020-09 | 2 |  | brokered >10%, expense ratio p90 |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 0 |  | wholesale funding >15% |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 4 | reserve under noncurrent |  |
| 2024-06 | 2 |  | uninsured deposits leaving, reserve under noncurrent |
| 2024-09 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2024-12 | 3 |  | uninsured deposits leaving |
| 2025-03 | 2 |  | reserve under noncurrent |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-17 [New York bank regulator says vendor flaw hit its firms - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxOUGZEc0N1Y3h1aFlEbnZHZGRoRnE0RGIxSHY4VWp2dVBReVJqY3hNUUcwZFo0X0ExQVVNcWE3dHlTZGxiNjFkdnBrbDRXQWVsRmNmTUl4TkotSzhwS3lQZTRpRk5jTkhUOUFzMGlFa3NFRkJkQTA3Y0UtMmxXOGZfZy01aDFVNmdVdDJodXJIcnJUbEdE?oc=5) · American Banker
- 2026-08-06 ["Technical disruption" closes all Sawyer Savings Bank branches - Hudson Valley One](https://news.google.com/rss/articles/CBMipAFBVV95cUxQRHBLV0lJbHZjVnRsMTBNTGZmZ1VDbTZad3hBZnpGNEo3d2hnQ3NMQUVBVVgtcXRGSWlpM21faHVES3lZR1FmamdJYnY2NW9OQmNyNHVRS2xVeGZTLXhTTlNRcnUtWV9GcEhXVHU0aGxVbk5ZdVhRdXFENDk5QW9mVVdmQTN1ZnlzaEE2Y2U4amRTQ3EtQXMtWXRyTElxZzVrTDZYWA?oc=5) · Hudson Valley One
- 2026-08-06 [Sawyer Savings Bank closes all branches over ‘temporary technical issue’ - Daily Freeman](https://news.google.com/rss/articles/CBMisAFBVV95cUxPVFVHdEZXU1ZLNEQzV3hNZFpWYnFXX1ZjVU9UYXRLOEsxQXRFOURIZzFURTJoUU1UTU5PcWFXUzVKd3B2b0NqS25TbE9aeEhuV2JTdlpUeVdIdEtNMDk4bzZRQ0l6Vi00YUV6WS00cTg2TmxReFRSQkNHQ3RNLXlJY0txY0Z6TzlWVndhMEVUbzYzaGpjWVp3NTZhbk1kcWpJaEw5T2VlemtMQ1ZHOVJsWA?oc=5) · Daily Freeman
- 2026-08-07 [Sawyer Savings Bank Data Breach Lawsuit Investigation - Claim Depot](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVGJvQklRYWhUNVlLaUl4eTVkNjhXUm9TeWlCUURkeERxLU5aWjc1RFRjNXpnM3BVX3lQVDZGeHAtaVM1TkxKaDNfYlNnSnAxMVRJMURRUGpKY1JYNWZSNFZZanI2SHFTUUNOdU9sU28tZ0JFQnpONEFQbVJNdzg4VU4tYUk?oc=5) · Claim Depot
- 2026-08-07 [Sawyer Savings Bank’s branches closure blamed on possible ‘data security incident’ - Daily Freeman](https://news.google.com/rss/articles/CBMivAFBVV95cUxQYWtic3pVZzFMNlJFS3dXLW1Lc3EzcVVsR1dXazlsaTlraUxnYXRuSzdaRDNESDdiUTdxbTVVZ3JHU3hlcFBiU1dfYkxLZWV0ZVU0eGdOQjh2UG1vMzNvMHgwTUEzV3BrTFRqYmNXUGlEbFZCQVlrOWc2bF93SFFWaVh2NmpQQkVwMlVaVFlGTHZTbUFQSkFydGp2YlUybWtPU1F6SHlLa1RHYlplVVN4bzFvN0Y0dWxjMlJYcg?oc=5) · Daily Freeman
- 2023-11-01 [The Face of Community Banking Since 1871: Sawyer Savings Bank - Hudson Valley Magazine](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNGJqUDlVS2M1SVhVdldJOE9LT0NleFcyVUV3ZUlZWWtEdE5zS1hRUEJCZVBEZ2p6YXM1QWJZREgyUGlYWlhtTEo4elNzd3dJMEpweGVzeTBhMDY4YlpFZnZlbjVOUUw5STgxRHIxWlZ2U0JYTGJYanB1V2M5SHlnR0tYNnI?oc=5) · Hudson Valley Magazine
- 2024-11-13 [Orange Bank & Trust Company Grows Lending Team - Hudson Valley Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVlViVlAwdmVXTm16SENkVl8wUlFEazdjU0VhLWRybnBOVDNZcnJPZktXbTc0TDlud3doY2s0aTQ3OUFBaTdSNnMtOFpseHB2NlpQRHB2WWpjcmtzb2c2dWhJYUhWWG5MUFdpclVpQWpfNFhkR09mZUtXcVJuR3YwUUpfejdGS0o0V043bVNvdw?oc=5) · Hudson Valley Press
- 2025-03-06 [Obituary for Dawn M. Geick - Seamon-Wilsey Funeral Home, Inc.](https://news.google.com/rss/articles/CBMia0FVX3lxTE1lek5CTUVZdFN6SWdSSV9FNXV1Wm91bVhacFA0TjNiWDhicnZRNTdrRU5TbmUxQTY5Xzk0R3pTeEpGa2lFcUVaT0pPbXhhUkM2NVVWaDEyUE1zSXlmNExsTmtxYm9ScHVxUkVN?oc=5) · Seamon-Wilsey Funeral Home, Inc.

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16039 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "16039", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide