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Sutton Bank

Attica, OH · Cert 5962 · Sutton Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.7BAssets
$447.4MLoans
$1.5BDeposits
$228.0MEquity
Loan mix
81%RE $337.5M18%C&I $76.3M1%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
25%Interest-bearing $0.4B75%Noninterest $1.1BQ2 2025Q2 2026

NIM

5.06%Q2 ’244.69%Q2 ’254.08%Q2 ’26-7%-13%

Non-interest income vs. expense

2.95%Q2 ’243.59%Q2 ’252.94%Q2 ’26+183%-27%

Market Position · Mansfield, OH · 2026 SOD (annual) · 2.8% share · #8 of 11 inst. · $0.1B of $2.5B

50.4% Seneca
9.1% Huron
9.1% Ashland
2.8% Richland

Executive Summary

  • Earnings: ROA of 3.98%, down 6 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.01%, down 78 bps from a year ago.
  • Funding: loans stand at 29.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.98%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-59 bps YoY

Efficiency Ratio (YTD, annualized)

44.40%-179 bps YoY

Tier 1 Leverage Ratio

10.01%-78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.04%4.07%4.14%3.97%3.98%-6 bps
Return on Equity31.32%31.49%31.56%29.19%29.62%-170 bps
Net Interest Margin4.49%4.33%4.19%3.94%3.89%-59 bps
Efficiency Ratio46.19%45.69%46.11%44.06%44.40%-179 bps
Non-Interest Burden0.30%0.26%0.32%0.18%0.22%-8 bps
Growth
Asset Growth (YoY)-25.57%8.47%0.30%5.51%8.17%+3,374 bps
Loan Growth (YoY)0.53%0.37%8.46%8.37%14.10%+1,357 bps
Deposit Growth (YoY)-29.21%8.39%-0.82%5.38%8.01%+3,723 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.00%0.01%0.02%+2 bps
Net Charge-Offs / Loans-0.82%-0.54%-0.36%-0.02%-0.01%+82 bps
Allowance / Loans1.90%1.86%1.24%1.27%1.21%-69 bps
Allowance Coverage of NPLsn/a297.8xn/a93.7x71.4xn/a
Capital
Tier 1 Leverage Ratio10.80%10.53%10.33%10.26%10.01%-78 bps
Total Risk-Based Capital33.42%32.04%30.29%32.13%31.12%-230 bps
Equity / Assets12.99%12.98%13.92%13.31%13.10%+11 bps
Liquidity & Funding
Loans / Deposits28.17%28.02%32.28%29.38%29.76%+159 bps
Liquid Assets / Assets47.92%48.83%43.41%46.90%47.20%-72 bps
CRE / Total Capitaln/a110.11%123.64%120.73%n/an/a