Sutton Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.54 percentage points higher than in Q1 2026, at 56.24%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $447.4M |
| Net loans and leases | $442.0M |
| Loans held for sale | $0 |
| Loans to total assets | 25.70% |
| Loan-to-deposit ratio | 29.76% |
| Net loans to equity capital | 1.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.64% |
| Multifamily (5+ residential) | 2.91% |
| Commercial and industrial | 17.60% |
| Consumer | 0.45% |
| Credit cards | 0.29% |
| Farm | 7.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.24% |
| Construction concentration (Tier 1 capital + allowance) | 24.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.69% |
| Interest income on loans | $7.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $393.5M | $1.89B | 38.46% | 27.17% | 1.03% |
| Q4 2023 | $399.3M | $2.06B | 40.90% | 25.64% | 0.90% |
| Q1 2024 | $402.8M | $1.87B | 43.64% | 25.43% | 0.87% |
| Q2 2024 | $390.0M | $1.97B | 45.32% | 24.63% | 0.79% |
| Q3 2024 | $399.3M | $1.32B | 42.81% | 25.72% | 0.71% |
| Q4 2024 | $402.6M | $1.36B | 43.28% | 25.30% | 0.65% |
| Q1 2025 | $393.4M | $1.38B | 46.08% | 23.03% | 0.63% |
| Q2 2025 | $392.1M | $1.39B | 47.22% | 22.60% | 0.52% |
| Q3 2025 | $400.8M | $1.43B | 46.80% | 20.84% | 0.51% |
| Q4 2025 | $436.7M | $1.35B | 48.00% | 19.70% | 0.46% |
| Q1 2026 | $426.3M | $1.45B | 49.40% | 17.89% | 0.51% |
| Q2 2026 | $447.4M | $1.50B | 49.64% | 17.60% | 0.45% |
Sutton Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sutton Bank, freeSource: Call Report Schedule RC-C, 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)