Attica, OH · Cert 5962 · Sutton Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
92
Profitability
91
Liquidity
0
Efficiency
90
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Attica, OH · Cert 5962 · Sutton Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Mansfield, OH · 2026 SOD (annual) · 2.8% share · #8 of 11 inst. · $0.1B of $2.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.75% | 3.97% | 3.94% | 4.04% | 4.07% | 4.14% | 3.97% | 3.98% | -6 bps | |
| Return on Equity | 41.71% | 41.32% | 30.67% | 31.32% | 31.49% | 31.56% | 29.19% | 29.62% | -170 bps | |
| Net Interest Margin | 4.75% | 4.53% | 4.39% | 4.49% | 4.33% | 4.19% | 3.94% | 3.89% | -59 bps | |
| Efficiency Ratio | 36.53% | 37.13% | 46.48% | 46.19% | 45.69% | 46.11% | 44.06% | 44.40% | -179 bps | |
| Non-Interest Burden | -0.26% | -0.27% | 0.45% | 0.30% | 0.26% | 0.32% | 0.18% | 0.22% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.90% | -29.63% | -22.33% | -25.57% | 8.47% | 0.30% | 5.51% | 8.17% | +3,374 bps | |
| Loan Growth (YoY) | 1.49% | 0.83% | -2.35% | 0.53% | 0.37% | 8.46% | 8.37% | 14.10% | +1,357 bps | |
| Deposit Growth (YoY) | -30.11% | -33.87% | -26.32% | -29.21% | 8.39% | -0.82% | 5.38% | 8.01% | +3,723 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.10% | 0.00% | 0.01% | 0.00% | 0.01% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | -0.82% | -0.54% | -0.36% | -0.02% | -0.01% | +82 bps | |
| Allowance / Loans | 1.46% | 1.45% | 1.48% | 1.90% | 1.86% | 1.24% | 1.27% | 1.21% | -69 bps | |
| Allowance Coverage of NPLs | 10.2x | 15.6x | 15.6x | n/a | 297.8x | n/a | 93.7x | 71.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 10.26% | 10.43% | 10.80% | 10.53% | 10.33% | 10.26% | 10.01% | -78 bps | |
| Total Risk-Based Capital | 31.65% | 32.64% | 33.17% | 33.42% | 32.04% | 30.29% | 32.13% | 31.12% | -230 bps | |
| Equity / Assets | 12.71% | 12.73% | 12.98% | 12.99% | 12.98% | 13.92% | 13.31% | 13.10% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.26% | 29.51% | 28.57% | 28.17% | 28.02% | 32.28% | 29.38% | 29.76% | +159 bps | |
| Liquid Assets / Assets | 45.12% | 46.62% | 47.30% | 47.92% | 48.83% | 43.41% | 46.90% | 47.20% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 110.11% | 123.64% | 120.73% | n/a | n/a | |
Attica, OH · Cert 5962 · Peer group: banks $1B-$10B in assets (n=322-328) · Sutton Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
3.82%
Rank 8 of 328
Net Interest Margin
3.89%
Rank 73 of 328
Efficiency Ratio
44.40%
Rank 33 of 328
Equity / Assets
13.10%
Rank 52 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.82% | 0.91% | 1.22% | 1.52% | Beats 98% | 8 / 328 | ||
| Return on Equity | 29.13% | 8.43% | 11.45% | 14.43% | Beats 98% | 8 / 328 | ||
| Net Interest Margin | 3.89% | 3.03% | 3.45% | 3.83% | Beats 78% | 73 / 328 | ||
| Efficiency Ratio | 44.40% | 51.61% | 59.56% | 67.53% | Beats 90% | 33 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.24% | 0.51% | 1.03% | Beats 94% | 20 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 89% | 36 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 30.34% | 11.75% | 13.15% | 15.47% | Beats 96% | 13 / 328 | ||
| Total Risk-Based Capital Ratio | 31.12% | 12.63% | 14.15% | 16.46% | Beats 96% | 13 / 328 | ||
| Equity / Assets | 13.10% | 9.15% | 10.33% | 12.01% | Beats 84% | 52 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.76% | 76.63% | 87.92% | 95.36% | 2nd pctl | 318 / 323 | ||
| Loans / Assets | 25.70% | 65.18% | 74.15% | 79.98% | 3rd pctl | 318 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||