$1.68B
+5.5%y/y
Percentile by value59th percentileby value
FDIC
ASSETSB
Sutton Bank
Attica, OhioFDIC Cert #5962
STATEEstablished 18789 branches
Holding company: SUTTON BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportSutton Bank reported $1.68B in total assets. Deposits grew 5.38% over the prior year.
Return on assets was 5.05%, compared with the official FFIEC UBPR peer median of 1.24%. The leverage ratio was 10.26%.
- Why is Return on Assets above its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.45B
+5.4%y/y
Percentile by value60th percentileby value
FDIC
DEP$421M
+8.6%y/y
Percentile by value2nd percentileby value
FDIC
LNLSNET5.05%
+5 bpsy/y
Peer standing99th percentile
FDIC
NETINC + ROA44.06%
−242 bpsy/y
Peer standing90th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.26%
−17 bpsy/y
Peer standing46th percentile
FDIC
RBC1AAJPercentiles compare this bank with 525 ffiec ubpr peer group 4 — insured commercial banks having assets between $1 billion and $3 billion.
Side-by-side comparison
Sutton Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
5.05%
Registry median
1.24%
This bank
37.14%
FFIEC trimmed average
12.61%
This bank
5.66%
Registry median
3.74%
This bank
44.06%
Registry median
59.83%
This bank
+5.38%
FFIEC trimmed average
+6.33%
This bank
+8.60%
FFIEC trimmed average
+7.26%
This bank
0.01%
FFIEC trimmed average
0.69%
This bank
10.26%
FFIEC trimmed average
10.68%
This bank
1.11%
Registry median
2.62%
This bank
47%
Registry median
233%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
5.05%
Registry median
1.04%
This bank
37.14%
FFIEC trimmed average
9.68%
This bank
5.66%
Registry median
3.71%
This bank
44.06%
Registry median
66.75%
This bank
+5.38%
FFIEC trimmed average
+4.75%
This bank
+8.60%
FFIEC trimmed average
+6.62%
This bank
0.01%
FFIEC trimmed average
0.55%
This bank
10.26%
FFIEC trimmed average
11.38%
This bank
1.11%
Registry median
2.17%
This bank
47%
Registry median
116%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.19B | $1.08B |
| Q3 2021 | $1.25B | $1.12B |
| Q4 2021 | $1.48B | $1.36B |
| Q1 2022 | $1.38B | $1.26B |
| Q2 2022 | $1.37B | $1.25B |
| Q3 2022 | $1.78B | $1.63B |
| Q4 2022 | $1.78B | $1.63B |
| Q1 2023 | $1.9B | $1.74B |
| Q2 2023 | $2.02B | $1.86B |
| Q3 2023 | $2.06B | $1.89B |
| Q4 2023 | $2.25B | $2.06B |
| Q1 2024 | $2.05B | $1.87B |
| Q2 2024 | $2.16B | $1.97B |
| Q3 2024 | $1.53B | $1.32B |
| Q4 2024 | $1.58B | $1.36B |
| Q1 2025 | $1.6B | $1.38B |
| Q2 2025 | $1.61B | $1.39B |
| Q3 2025 | $1.66B | $1.43B |
| Q4 2025 | $1.59B | $1.35B |
| Q1 2026 | $1.68B | $1.45B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $165M |
| Investor CRE | $46.1M |
| Multifamily | $9.84M |
| Construction | $52M |
| 1–4 family | $30.4M |
| C&I | $76.3M |
| Agriculture | $44.3M |
| Other | $2.77M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA5.05%99th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDIC
NETINC + ROE37.14%98th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDIC
NIM + NIMY5.66%98th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.06%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDIC
DEP+5.38%50th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDIC
LNLSNET+8.60%62nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.01%4th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDIC
RBC1AAJ10.26%46th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.43%90th 13.44%Observations 525
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.11%99th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC47%4th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 233%90th 354%Observations 398
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA5.05%99th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.30%Median 1.04%90th 1.67%Observations 122
ROE
FDIC
NETINC + ROE37.14%99th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.25%Median 10.27%90th 16.66%Observations 122
NIM
FDIC
NIM + NIMY5.66%98th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.87%Median 3.71%90th 4.80%Observations 122
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.06%97th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.12%Median 66.75%90th 90.48%Observations 122
Deposits YoY
FDIC
DEP+5.38%61st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.12%Median +3.80%90th +14.71%Observations 121
Loans YoY
FDIC
LNLSNET+8.60%61st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.34%Median +6.06%90th +17.98%Observations 120
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.01%13th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.39%90th 1.73%Observations 120
Leverage
FDIC
RBC1AAJ10.26%43rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 10.44%90th 16.51%Observations 122
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.11%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.30%Median 2.17%90th 3.09%Observations 122
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC47%20th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 35%Median 116%90th 241%Observations 72
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 9 branches
- Headquarters
- Attica, OH
FDIC
OFFDOMOpen the Ohio dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data