Sutton Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 3.13 percentage points higher than in Q1 2026, at 77.99%. On return on assets, Sutton Bank ranks 3rd highest among the 156 banks headquartered in Ohio, at 3.77% (Q2 2026). Against a median of 1.27% for banks in the $1B-10B asset tier, Sutton Bank reported 3.77% on return on assets in Q2 2026, 2.49 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 30.34% |
| Tier 1 risk-based capital ratio | 30.34% |
| Total risk-based capital ratio | 31.12% |
| Tier 1 leverage ratio | 10.01% |
| Equity capital to assets | 13.10% |
| Tangible equity to tangible assets | 13.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.03% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 7140.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.77% |
| Return on equity | 38.33% |
| Net interest margin | 4.22% |
| Efficiency ratio | 44.68% |
| Yield on earning assets | 4.41% |
| Cost of funds | 0.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.76% |
| Core deposits to total deposits | 77.99% |
| Brokered deposits to total deposits | 20.75% |
| Deposits to assets | 86.36% |
| Securities to assets | 20.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 27.40% | 27.40% | 28.34% | 9.59% | 5.44% |
| Q4 2023 | 27.33% | 27.33% | 28.33% | 9.26% | 5.37% |
| Q1 2024 | 28.22% | 28.22% | 29.21% | 10.16% | 5.36% |
| Q2 2024 | 30.22% | 30.22% | 31.20% | 10.39% | 5.19% |
| Q3 2024 | 30.69% | 30.69% | 31.65% | 10.27% | 5.08% |
| Q4 2024 | 31.70% | 31.70% | 32.64% | 10.26% | 4.98% |
| Q1 2025 | 32.24% | 32.24% | 33.17% | 10.43% | 3.94% |
| Q2 2025 | 32.24% | 32.24% | 33.42% | 10.80% | 4.31% |
| Q3 2025 | 30.94% | 30.94% | 32.04% | 10.53% | 4.21% |
| Q4 2025 | 29.51% | 29.51% | 30.29% | 10.33% | 4.08% |
| Q1 2026 | 31.32% | 31.32% | 32.13% | 10.26% | 3.75% |
| Q2 2026 | 30.34% | 30.34% | 31.12% | 10.01% | 3.77% |
Sutton Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sutton Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)