Sutton Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos dropped 32.4% in Q2 2026, from $2.0M to $1.4M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Sutton Bank is 5th from the bottom among 156 Ohio banks, 29.76% (Q2 2026). Sutton Bank's loan-to-deposit ratio of 29.76% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 58.44 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $824.7M |
| Cash and noninterest-bearing balances to assets | 47.38% |
| Cash and securities | $1.19B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.4M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.76% |
| Net loans and leases to deposits | 29.40% |
| Loans and leases to core deposits | 30.14% |
| Core deposits to total deposits | 77.99% |
| Brokered deposits to total deposits | 20.75% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 20.84% | 72.94% | $10.1M | $0 |
| Q4 2023 | 19.36% | 81.97% | $8.3M | $0 |
| Q1 2024 | 21.56% | 80.29% | $6.1M | $0 |
| Q2 2024 | 19.84% | 82.91% | $6.9M | $0 |
| Q3 2024 | 30.26% | 76.72% | $9.0M | $0 |
| Q4 2024 | 29.51% | 71.47% | $8.9M | $0 |
| Q1 2025 | 28.57% | 72.79% | $6.7M | $0 |
| Q2 2025 | 28.17% | 72.86% | $1.2M | $0 |
| Q3 2025 | 28.02% | 75.64% | $3.1M | $0 |
| Q4 2025 | 32.28% | 71.06% | $2.1M | $0 |
| Q1 2026 | 29.38% | 74.86% | $2.0M | $0 |
| Q2 2026 | 29.76% | 77.99% | $1.4M | $0 |
Sutton Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sutton Bank, freeSource: Call Report Schedules RC and RC-M, 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)