Sawyer Savings Bank

Headquarters: Saugerties, New York
Charter: Bank
Assets: $284.7M
Fed district: New York
Regulator: FDIC

Explore Hamilton View published fees

Compared with New York

14 of 21

compared fees are above the median.

3 below, 4 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
89th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 21 compared; 3 below, 4 about the same
See the fees
Fee schedule read Oct 17, 2026

How these figures are measured

Call-report figures are for Sawyer Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the New York median	Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Sawyer Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Sawyer Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 5.2% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (89th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $126K in Q2 2026, 10.0% below the same quarter a year earlier ($140K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
14 of 21 compared published fees sit above the New York median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

Monthly Maintenance
Can be waived with a minimum daily balance of $100 or more.
Sawyer Savings Bank: $2
Sawyer Savings Bank: $2
New York median: $565 publishNew York district median: $597 publishU.S. median: $71,901 publish
Overdraft (OD)
Sawyer Savings Bank: $30
Sawyer Savings Bank: $30
New York median: $30101 publishNew York district median: $30145 publishU.S. median: $302,603 publish
Non-Network ATM
Sawyer Savings Bank: $2
Sawyer Savings Bank: $2
New York median: $1.5085 publishNew York district median: $1.50116 publishU.S. median: $1.501,648 publish

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 8.7% from Q3 2025 to Q2 2026, to $126K. Its share of revenue, 5.2%, is above the 2.1% median for banks with under $300M in assets.

Service-charge income, Q2 2026

$126K

$138KQ3 2025

$128KQ4 2025

$120KQ1 2026

$126KQ2 2026

Against the median (NY for fees)

Share of revenue5.2% / 2.1%
Overdraft$30 / $30
Non‑network ATM$2 / $1.50
Monthly maintenance$2 / $5

Sawyer Savings BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Sawyer Savings Bank · $285M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$277M to $292M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sawyer Savings Bank(this institution)	Saugerties, NY	$285M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
22nd State Banking Company	Mobile, AL	$292M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Federated States of Micronesia	Kolonia, FM	$278M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of The Rockies	Helena, MT	$277M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Wolcott	Wolcott, IN	$280M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Citizens State Bank of Roseau	Roseau, MN	$291M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Savings	Caldwell, OH	$285M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers & Merchants Bank	Eatonton, GA	$290M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers Bank	Greenwood, AR	$289M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings and Loan Association of Valdosta	Valdosta, GA	$278M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings Bank of Kentucky	Frankfort, KY	$283M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Whitney Bank and Trust	Atlantic, IA	$288M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNB Picayune Bank	Picayune, MS	$282M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grand Bank for Savings, FSB	Hattiesburg, MS	$280M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nantahala Bank & Trust Company	Franklin, NC	$289M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Old Glory Bank	Elmore City, OK	$277M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pioneer Bank	Sergeant Bluff, IA	$283M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Reliance State Bank	Story City, IA	$277M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
State Savings Bank	West Des Moines, IA	$292M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Success Bank	Bloomfield, IA	$277M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers Bank	Nicholasville, KY	$283M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers State Bank of Waupaca	Waupaca, WI	$279M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Fort Jennings State Bank	Fort Jennings, OH	$286M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United State Bank	Lewistown, MO	$290M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Unity Bank of Mississippi	Holly Springs, MS	$282M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Victory Bank	Lubbock, TX	$285M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(monthly maintenance)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $5.25 (72%) below the median of similar-sized banks.

Its published price is $2, against a peer median of $7.25 among 19 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sawyer Savings BankPeer (equal prices stack)Peer medianInclude 2 outliers ($20, $22.50)Shown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Sawyer Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $126K
vs prior quarter: +$6K+5.0%; from Q1 2026
vs a year earlier: −$14K−10.0%; from Q2 2025
vs start of range: −$3K−2.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Sawyer Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$126K	+$6K	+5.0%
Q1 2026	$120K	−$8K	−6.3%
Q4 2025	$128K	−$10K	−7.2%
Q3 2025	$138K	−$2K	−1.4%
Q2 2025	$140K	+$10K	+7.7%
Q1 2025	$130K	+$56K	+75.7%
Q4 2024	$74K	−$55K	−42.6%
Q3 2024	$129K	−$8K	−5.8%

Service-charge share against its size cohort

Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Sawyer Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Sawyer Savings Bank: 5.2%
Percentile: 89th
25th percentile: 1.1%
Median: 2.1%
75th percentile: 3.4%

Sawyer Savings Bank 5.2%Median 2.1%Middle half 1.1% to 3.4%Peers at each share13 above 15%, counted in the last bar

Find a peer (1,681)

The 15 closest to Sawyer Savings Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Sawyer Savings Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly Maintenance$2
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Account Closing (within first 90 days) (audience not stated, treated as personal)$25
Inside the U.S. middle 50% ($10 to $25 nationally)
Escheatment Fee$25
Above the U.S. middle 50% ($5 to $10 nationally)
Balancing Checking Account (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Printed Paper Statement$2
Inside the U.S. middle 50% ($2 to $4.98 nationally)
Statements Returned for Wrong Address$10
Above the U.S. middle 50% ($5 to $7.50 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$2Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Closing (within first 90 days) (audience not stated, treated as personal)	$25Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Escheatment Fee	$25Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Balancing Checking Account (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Printed Paper Statement	$2Inside the U.S. middle 50% ($2 to $4.98 nationally)	Not stated	None
Statements Returned for Wrong Address	$10Above the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
Overdraft & NSF
Paid Overdraft Fee	$30Inside the U.S. middle 50% ($25 to $33 nationally)	Not stated	None
ATM & Card
Foreign ATM Fee	$2Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Replace ATM/Debit Card	$15Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Check Services
Official Bank Checks	$7Above the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Money Orders	$3Inside the U.S. middle 50% ($2 to $3 nationally)	Not stated	None
Paid Sawyer Item (Bank Check/Money Order)	$5Above the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment (per check, ACH, and On-Line Banking Items)	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Stop Payment (Range of Items)	$35Above the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Over-the-Counter Check (per item)	$3Inside the U.S. middle 50% ($1 to $4 nationally)	per item	None
Foreign Check Collection	$35Above the U.S. middle 50% ($10 to $26 nationally)	Not stated	None
Check Copies for Deposited Items (per page)	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Check Images Returned in Statement (charged monthly)	$15Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Cash Advance	$10Inside the U.S. middle 50% ($2 to $10 nationally)	Not stated	None
Returned Deposited Item	$20Inside the U.S. middle 50% ($9 to $25 nationally)	Not stated	None
Account Services
Notary Service (per item)	$2Inside the U.S. middle 50% ($0 to $5 nationally)	per item	None
Box Size 2”x5”x21½ ”	$40Inside the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Box Size 4”x10”x21½“	$95Above the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box Lost Key	$35Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Boxes Drill	$350Not compared: Box drilling or key fee	Not stated	None
Court Ordered Levies	$150Above the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.50Inside the U.S. middle 50% ($3 to $4.95 nationally)	Not stated	None
Other Fees
Additional Copy of Statement (per month) (audience not stated, treated as personal)	$7Not compared: Monthly charge, not per item	per month	None
Fax (send/receive)	$10Above the U.S. middle 50% ($2 to $5 nationally)	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Showing 5 of 29 fees.

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Sawyer Savings Bank operates, and what regulators and customers have on file.

Branch footprint

4 offices in 1 state, $234.2M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$234.2M

Kingston, NY

4.7% of bank deposits, #8 of 16, down 0.4 points over five years.

Largest competitors here	Deposit share
Ulster Savings Bank	19.1%
Wells Fargo Bank, National Association	16.7%
Manufacturers and Traders Trust Company	12%
Rondout Savings Bank	8.6%
Bank of America, National Association	7.8%

Fees in Highland →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Kingston, NY, Sawyer Savings Bank holds 4.7% of bank deposits, #8 of 16, with 4 offices.

Compare fees with the 15 Kingston, NY banks and credit unions in its home-metro peer set →

Offices in the metro

56 offices of 21 institutions shown.

Sawyer Savings BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Kingston, NY metro (FDIC metro code 28740), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 2 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Ulster Savings Bank19.1%
2Wells Fargo Bank, National Association16.7%
3Manufacturers and Traders Trust Company12.0%
4Rondout Savings Bank8.6%
5Bank of America, National Association7.8%
6KeyBank National Association6.7%
7JPMorgan Chase Bank, National Association6.1%
8Sawyer Savings Bank4.7%

8 of 16 institutions shown. $5.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Kingston, NY metro (FDIC metro code 28740)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 4.7% share, 4 offices, #8 of 16

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Kingston, NY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

16 offices of 5 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

Sawyer Savings Bank

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $5.25 (72%) below the median of similar-sized banks.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Sawyer Savings Bank changes in our data

Sawyer Savings Bank

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $5.25 (72%) below the median of similar-sized banks.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Sawyer Savings Bank changes in our data