Sutton Bank
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
$1.7BAssets
$447.4MLoans
$1.5BDeposits
$228.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks $1B-$10B in assets (rank 8 of 328).
- Widest gap: net interest margin trails 22% of banks $1B-$10B in assets (rank 73 of 328).
- Overall: at or above the peer median on 9 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 90% of banks $1B-$10B in assets | 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 |