Sutton Bank
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Data as of · sourced from FFIEC call reports. How we update
Sutton Bank is an FDIC-insured commercial bank headquartered in Attica, OH, established in 1878 (FDIC certificate 5962), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.74B, up 8.2% from Q2 2025, the 20th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 30.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5962
- Headquarters
- Attica, OH
- Established
- 1878
- Total assets, Q2 2026
- $1.74B
- Assets vs Q2 2025
- +8.2%
- CET1 ratio, Q2 2026
- 30.34%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 041208777
- Holding company
- SUTTON BANCSHARES, INC.
- Asset rank in state
- 20th of 154 in Ohio
Sutton Bank is one of the more profitable banks of its size. It reported $1.7 billion in assets at June 30, 2026, up 8.2% from a year earlier. It earns about $3.77 a year on every $100 of assets, about triple the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 0.29% on its deposits and borrowings, a small fraction of the median of 2.01% for banks its size. Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 14.1% and deposits rose 8.0%.
As of June 30, 2026, Sutton Bank reported a CET1 capital ratio of 30.34%, a return on assets of 3.77%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
Sutton Bank ranks as the 20th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.4% to $1.74B, loans rose 5.0% and deposits rose 3.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 36.0% of total loans, ahead of commercial and industrial loans at 17.6%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in OH; its Attica office books 79% of its branch deposits. On its Q2 2026 call report, Sutton Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 S Main St, Attica, OH 44807
- County
- Seneca
- Metro Area
- Tiffin, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1878
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 242
- Domestic deposits
- $1.50B
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- -$15K
- Average total assets
- $2.30B
- Average total loans
- $442.1M
- Average interest-bearing deposits
- $376.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5962
- Fed RSSD
- 110413
- SEC CIK
- 1835479 → filed by SUTTON BANCSHARES, INC.
- Website
- www.suttonbank.com →
- Parent Holding Company
- SUTTON BANCSHARES, INC. (RSSD 1134500)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Sutton Bank's total assets moved between a low of $1.53B (Q3 2024) and a high of $2.25B (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.74B total assets against $1.61B; $1.51B total liabilities against $1.40B.
$442.0M net loans and leases against $384.7M; $1.50B total deposits against $1.39B.
$362.1M securities against $338.8M; $824.7M cash and balances due against $774.0M.
$24.2M total interest income against $22.8M; $1.1M total interest expense against $1.0M.
$23.2M net interest income against $21.8M.
$16.0M total noninterest income against $17.2M; $17.5M total noninterest expense against $17.9M.
$0 provision for credit losses against $0.
$21.7M net income against $21.1M.
3.77% return on assets against 4.31%; 4.22% net interest margin against 4.74%.
30.34% CET1 capital ratio against 32.24%; 10.01% tier 1 leverage ratio against 10.80%.
Inside the full Sutton Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Sutton Bank rankings
Its closest position to the top of a national ranking is 5 of 980, for uninsured deposits; its furthest is 3,305 of 3,640, for Texas Ratio.
Metric pages for Sutton Bank: ROA, CET1 ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 3.75% (Q1 2026) to 5.08% (Q3 2024) and its net interest margin ran from 4.15% (Q1 2026) to 5.31% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 30.34% | 3.77% | 0.02% | 0.03% | 4.22% |
| Q1 2026 | 31.32% | 3.75% | 0.01% | 0.03% | 4.15% |
| Q4 2025 | 29.51% | 4.08% | 0.00% | 0.00% | 4.46% |
| Q3 2025 | 30.94% | 4.21% | 0.01% | 0.01% | 4.66% |
| Q2 2025 | 32.24% | 4.31% | 0.00% | 0.00% | 4.74% |
| Q1 2025 | 32.24% | 3.94% | 0.10% | 0.04% | 4.62% |
| Q4 2024 | 31.70% | 4.98% | 0.09% | 0.05% | 4.88% |
| Q3 2024 | 30.69% | 5.08% | 0.14% | 0.09% | 5.31% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sutton Bank (main office) | Attica , OH | 44807 | $1.19B |
| Ashland Claremont Branch | Ashland , OH | 44805 | $73.1M |
| Walton Street Branch | Willard , OH | 44890 | $72.1M |
| Mansfield Branch | Mansfield , OH | 44903 | $64.1M |
| New London Branch | New London , OH | 44851 | $43.5M |
| Tiffin Oh Branch | Tiffin , OH | 44883 | $31.6M |
| East Main Street Branch | Ashland , OH | 44805 | $24.6M |
| Lexington Avenue Branch | Mansfield , OH | 44907 | $7.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OH, rank 27 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26 applications, 23 loans originated, $5.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $638K approved, $213K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sutton Bank
What are Sutton Bank's total assets?
As of the Q2 2026 filing, Sutton Bank reported total assets of $1.74 billion in its FFIEC call report.
Where is Sutton Bank headquartered?
It is headquartered in Attica, OH, United States.
When was Sutton Bank founded?
It was established in 1878, per the FDIC institution directory.
Is Sutton Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5962). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sutton Bank?
Sutton Bank's primary federal regulator is the FDIC.
What is Sutton Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 30.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sutton Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sutton Bank's Texas Ratio?
Its Texas Ratio is 0.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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