Bank Comparison
Sutton Bank vs Cape & Coast Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 4
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Sutton Bank | Cape & Coast Bank |
|---|---|---|
| CET1 Ratio | 31.32% | — |
| Tier 1 Capital Ratio | 31.32% | — |
| Total Capital Ratio | 32.13% | — |
| Tier 1 Leverage Ratio | 10.26% | 9.57% |
| Equity / Assets | 13.31% | 9.46% |
Profitability
| Metric | Sutton Bank | Cape & Coast Bank |
|---|---|---|
| Return on Assets (ROA) | 3.75% | 0.45% |
| Return on Equity (ROE) | 37.14% | 4.71% |
| Net Interest Margin (NIM) | 4.15% | 2.88% |
| Yield on Earning Assets | 4.35% | 4.87% |
| Cost of Funds | 0.30% | 2.10% |
Asset quality
| Metric | Sutton Bank | Cape & Coast Bank |
|---|---|---|
| Texas Ratio | 0.94% | 8.98% |
| Non-Performing Loan Ratio | 0.50% | 1.03% |
| Non-Performing Asset Ratio | 0.13% | 0.90% |
| Net Charge-Off Ratio | -0.02% | 0.01% |
| ACL / Loans | 1.27% | 0.67% |
Balance sheet
| Metric | Sutton Bank | Cape & Coast Bank |
|---|---|---|
| Total Assets | $1,683M | $1,672M |
| Total Deposits | $1,450M | $1,396M |
| Total Loans | $426,276K | $1,461M |
| Total Equity | $224,057K | $158,250K |
| Net Income (quarter) | $20,646K | $1,859K |
Liquidity & funding
| Metric | Sutton Bank | Cape & Coast Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 29.38% | 104.65% |
| Core Deposit Ratio | 98.74% | 85.66% |
| Uninsured Deposit Ratio | 90.35% | 36.96% |
Identity
| Metric | Sutton Bank | Cape & Coast Bank |
|---|---|---|
| Headquarters City | ATTICA | YARMOUTH PORT |
| Headquarters State | OH | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 11 |
| Employees (FTE) | 230 | 158 |
| Established | Jan. 1, 1878, midnight | Jan. 1, 1921, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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