BlastPoint's Banking Scorecard
Sutton Bank
Designations: ✓ Community bank
Attica, OH
9 branches across OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +8.0% year over year ($1.5B on the books).
- Delinquency rate 0.02%.
- Return on assets 5.07%.
- Efficiency ratio 44.40% vs a 59.73% peer average.
- Loan-to-deposit ratio 29.40% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sutton Bank has 6 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 5.0% in tier
- + Revenue Diversifier: Top 8.1% in tier
- + Credit Quality Leader: Top 48.4% in tier
- + Return on Assets 3.68% above tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 15.33% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+8.2% YoY
+3.4% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$442.0M
+14.9% YoY
+5.0% QoQ
|
-$1.5B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.1% in tier |
| Total Deposits ? |
$1.5B
+8.0% YoY
+3.6% QoQ
|
-$815.6M |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
5.07%
-1.4% YoY
+0.3% QoQ
|
+3.68% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Top 0.8% in tier |
| Net Interest Margin ? |
5.72%
-2.7% YoY
+1.0% QoQ
|
+1.85% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 2.7% in tier |
| Efficiency Ratio ? |
44.40%
-3.9% YoY
+0.8% QoQ
|
-15.33% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Top 10.8% in tier |
| Delinquency Rate ? |
0.02%
+24.8% QoQ
|
-0.85% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 5.0% in tier |
| Loan-to-Deposit Ratio ? |
29.40%
+6.4% YoY
+1.4% QoQ
|
-55.63% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 1.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
75.01%
+4.9% YoY
+1.3% QoQ
|
+53.73% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 0.7% in tier |
| Nonperforming Asset Ratio ? |
0.00%
+26.7% QoQ
|
-0.67% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 3.4% in tier |
| Tier 1 Capital Ratio ? |
30.34%
-5.9% YoY
-3.1% QoQ
|
+15.50% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Top 2.0% in tier |
| Non-Interest Income / Assets ? |
1.80%
-10.3% YoY
+98.3% QoQ
|
+1.27% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Top 2.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
75.0%
+3.5pp YoY +1.0pp QoQ |
+53.6pp | 21.4% | 18.8% | 22.2% | 99% |
| Brokered Deposits |
20.8%
-5.2pp YoY -3.1pp QoQ |
+11.3pp | 9.5% | 7.7% | 8.5% | 90% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.8%
-5.2pp YoY -0.3pp QoQ |
+3.8pp | 14.0% | 10.2% | 12.5% | 75% |
| CRE |
66.5%
+8.4pp YoY +1.7pp QoQ |
+16.5pp | 50.0% | 34.2% | 41.4% | 85% |
| 1-4 Family |
6.5%
-2.0pp YoY -0.7pp QoQ |
-20.0pp | 26.4% | 50.0% | 31.3% | 9% |
| Consumer |
0.5%
-0.1pp YoY -0.1pp QoQ |
-4.3pp | 4.7% | 4.7% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
30.3%
-1.9pp YoY -1.0pp QoQ |
+14.7pp | 15.6% | 22.1% | 19.7% | 98% |
| Leverage Ratio |
10.0%
-0.8pp YoY -0.2pp QoQ |
-1.3pp | 11.3% | 12.9% | 12.6% | 37% |
| Total Capital Ratio |
31.1%
-2.3pp YoY -1.0pp QoQ |
+14.4pp | 16.7% | 23.2% | 20.8% | 98% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
242
+26 (+12.0%) YoY +12 (+5.2%) QoQ |
-72 | 313 | 2,433 | 482 | 52% |
| Assets per Employee ($) |
$7.2M
-3.5% YoY -1.7% QoQ |
-$3.3M | $10.5M | $7.6M | $8.8M | 26% |
| Branch Count |
9
0 YoY 0 QoQ |
-11 | 20 | 81 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp QoQ |
-0.8pp | 0.8% | 0.6% | 1.0% | 2% |
| Allowance Coverage |
71.41x
-23.8% QoQ |
+52.70x | 18.71x | 18.95x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.8pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
37.7%
-2.1pp YoY +0.6pp QoQ |
+25.1pp | 12.6% | 9.7% | 11.6% | 99% |
| Cost of Funds (YTD) |
0.3%
0.0pp YoY 0.0pp QoQ |
-1.6pp | 1.9% | 1.7% | 1.7% | 1% |
| Net Income ($, YTD) |
$42.3M
+3.2% YoY — QoQ |
+$23.1M | $19.2M | $259.3M | $40.4M | 90% |
Get Full Access to Sutton Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (3)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.