Bank · FDIC insured
Sawyer Savings Bank
A $284.7M bank headquartered in Saugerties, NY, with 4 branches in New York. Best rates: CDs 4.25% and savings 2.00% APY.
Sawyer Savings Bank Carrot Score
84
Carrot Score
Higher than 68% of U.S. banks and credit unions
#4 of 17 in Kingston, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Sawyer Savings Bank
Founded in 1871 as Saugerties Savings Bank, Sawyer Savings Bank is a mutual institution headquartered in Saugerties, New York.
Renamed in 1973, the bank operates without stockholders and holds all assets in trust for its depositors while serving the Hudson Valley.
- Headquarters
- 87 Market St, Saugerties, NY 12477
- FDIC certificate
- 16039 ↗
Branches
4 branches in New York
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New York
4 branches
- Sawyer Savings BankMain office87 Market St, Saugerties, NY 12477Directions
- Highland Branch3515 Route 9 W, Highland, NY 12528Directions
- Riverview Road Branch2 Riverview Dr, Marlboro, NY 12542Directions
- New Paltz Branch100 Woodland Pond Cir, New Paltz, NY 12561Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.02% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.57% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.30% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $96 | $81 | — |
- CapitalLeverage ratio11.02%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.57%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.30%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$96Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Sawyer Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.