Bank Comparison
Sutton Bank vs Erebor Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 8
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Sutton Bank | Erebor Bank, N.A. |
|---|---|---|
| CET1 Ratio | 31.32% | — |
| Tier 1 Capital Ratio | 31.32% | — |
| Total Capital Ratio | 32.13% | — |
| Tier 1 Leverage Ratio | 10.26% | 142.22% |
| Equity / Assets | 13.31% | 35.26% |
Profitability
| Metric | Sutton Bank | Erebor Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 3.75% | -5.66% |
| Return on Equity (ROE) | 37.14% | — |
| Net Interest Margin (NIM) | 4.15% | 3.32% |
| Yield on Earning Assets | 4.35% | 3.47% |
| Cost of Funds | 0.30% | — |
Asset quality
| Metric | Sutton Bank | Erebor Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.94% | 0.00% |
| Non-Performing Loan Ratio | 0.50% | — |
| Non-Performing Asset Ratio | 0.13% | 0.00% |
| Net Charge-Off Ratio | -0.02% | — |
| ACL / Loans | 1.27% | — |
Balance sheet
| Metric | Sutton Bank | Erebor Bank, N.A. |
|---|---|---|
| Total Assets | $1,683M | $1,703M |
| Total Deposits | $1,450M | $1,097M |
| Total Loans | $426,276K | $0 |
| Total Equity | $224,057K | $600,608K |
| Net Income (quarter) | $20,646K | $-6,009 |
Liquidity & funding
| Metric | Sutton Bank | Erebor Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 29.38% | 0.00% |
| Core Deposit Ratio | 98.74% | 100.00% |
| Uninsured Deposit Ratio | 90.35% | 23.31% |
Identity
| Metric | Sutton Bank | Erebor Bank, N.A. |
|---|---|---|
| Headquarters City | ATTICA | COLUMBUS |
| Headquarters State | OH | OH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 25357 |
| Regulator | FDIC | OCC |
| Domestic Branches | 9 | 1 |
| Employees (FTE) | 230 | 55 |
| Established | Jan. 1, 1878, midnight | Feb. 6, 2026, 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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