Sutton Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.3% to $759.4M. On CET1 ratio, Sutton Bank ranks 7th highest among the 84 banks headquartered in Ohio, at 30.34% (Q2 2026). Against a median of 13.49% for banks in the $1B-10B asset tier, Sutton Bank reported 30.34% on CET1 ratio in Q2 2026, 16.85 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 30.34% |
| Tier 1 risk-based capital ratio | 30.34% |
| Total risk-based capital ratio | 31.12% |
| Tier 1 leverage ratio | 10.01% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $230.4M |
| Tier 1 capital | $230.4M |
| Total risk-based capital | $236.3M |
| Total equity capital | $228.0M |
| Risk-weighted assets | $759.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.10% |
| Tangible equity to tangible assets | 13.10% |
| Equity capital to average assets | 9.91% |
| Internal capital growth rate | 8.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $17.4M |
| Retained earnings | $212.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 27.40% | 27.40% | 28.34% | 9.59% | $607.3M |
| Q4 2023 | 27.33% | 27.33% | 28.33% | 9.26% | $626.5M |
| Q1 2024 | 28.22% | 28.22% | 29.21% | 10.16% | $634.4M |
| Q2 2024 | 30.22% | 30.22% | 31.20% | 10.39% | $624.9M |
| Q3 2024 | 30.69% | 30.69% | 31.65% | 10.27% | $635.3M |
| Q4 2024 | 31.70% | 31.70% | 32.64% | 10.26% | $647.7M |
| Q1 2025 | 32.24% | 32.24% | 33.17% | 10.43% | $652.1M |
| Q2 2025 | 32.24% | 32.24% | 33.42% | 10.80% | $655.5M |
| Q3 2025 | 30.94% | 30.94% | 32.04% | 10.53% | $697.8M |
| Q4 2025 | 29.51% | 29.51% | 30.29% | 10.33% | $746.0M |
| Q1 2026 | 31.32% | 31.32% | 32.13% | 10.26% | $720.9M |
| Q2 2026 | 30.34% | 30.34% | 31.12% | 10.01% | $759.4M |
Sutton Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sutton Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sutton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5962) · FFIEC NIC profile (RSSD 110413)