Sutton Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings rose 0.32 percentage points from Q1 2026 to Q2 2026, ending at 0.32% against 0.00%. It was the largest change among the key lines on this page. Sutton Bank ranks 39th of 156 Ohio banks on net interest margin, in the upper half at 4.22% (Q2 2026). Sutton Bank reported 4.22% on net interest margin for Q2 2026, 0.51 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.41% |
| Yield on loans | 6.69% |
| Yield on securities | 4.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.29% |
| Cost of interest-bearing deposits | 1.13% |
| Cost of interest-bearing liabilities | 1.12% |
| Cost of borrowings | 0.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.22% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.42% | 0.19% | 5.21% | 6.07% | 4.65% |
| Q4 2023 | 5.57% | 0.20% | 5.34% | 6.27% | 4.95% |
| Q1 2024 | 5.56% | 0.21% | 5.30% | 6.34% | 4.87% |
| Q2 2024 | 5.52% | 0.22% | 5.27% | 6.40% | 4.81% |
| Q3 2024 | 5.57% | 0.28% | 5.31% | 6.50% | 5.02% |
| Q4 2024 | 5.09% | 0.30% | 4.88% | 6.48% | 4.84% |
| Q1 2025 | 4.81% | 0.27% | 4.62% | 6.40% | 4.53% |
| Q2 2025 | 4.97% | 0.30% | 4.74% | 6.90% | 4.72% |
| Q3 2025 | 4.88% | 0.30% | 4.66% | 6.73% | 4.69% |
| Q4 2025 | 4.68% | 0.32% | 4.46% | 6.66% | 4.71% |
| Q1 2026 | 4.35% | 0.30% | 4.15% | 6.50% | 4.51% |
| Q2 2026 | 4.41% | 0.29% | 4.22% | 6.69% | 4.55% |
Sutton Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sutton Bank, freeSource: Call Report Schedules RI and RC-K, 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)