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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.12% | 5.07% | 3.94% | 4.14% | 4.15% | 4.23% | 3.97% | 3.97% | -17 bps | |
| Return on Equity | 40.24% | 39.82% | 30.67% | 31.90% | 31.96% | 31.45% | 29.19% | 30.09% | -181 bps | |
| Net Interest Margin | 5.00% | 4.60% | 4.39% | 4.45% | 4.43% | 4.25% | 3.94% | 4.02% | -43 bps | |
| Efficiency Ratio | 37.07% | 38.79% | 46.48% | 45.91% | 44.72% | 47.38% | 44.06% | 44.72% | -119 bps | |
| Non-Interest Burden | -0.09% | -0.36% | 0.45% | 0.14% | 0.22% | 0.51% | 0.18% | 0.26% | +12 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 | 0.01% | 0.00% | 0.00% | -1.64% | 0.00% | 0.03% | -0.02% | 0.01% | +165 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 | |