Sutton Bank: how it compares with its peers
Against 24 OH banks with half to twice its assets, Sutton Bank's strongest measure in Q2 2026 is return on assets (5.07% vs. a 1.18% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $7.1M).
| Measure | Sutton Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 5.07% | 1.18% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.72% | 3.70% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.40% | 60.64% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.1M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 29.40% | 84.18% | Context |
What it means for lending operations
Its efficiency ratio of 44.40% is better than the 60.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Waterford Bank, N.A. Toledo, OH · $1.77B
- The Ohio Valley Bank Company Gallipolis, OH · $1.65B
- The State Bank and Trust Company Defiance, OH · $1.61B
- THE VINTON COUNTY NATIONAL BANK Mcarthur, OH · $1.59B
- Main Street Bank Corp. Wooster, OH · $1.55B
- The Union Bank Company Columbus Grove, OH · $1.44B
Questions about Sutton Bank
How big is Sutton Bank?
Sutton Bank, established in 1878, is headquartered in Attica, OH. It reported $1.74B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Sutton Bank's return on assets?
5.07% annualized in Q2 2026, against a 1.18% median for 24 OH banks with half to twice its assets, ahead of 100% of them.
What is Sutton Bank's efficiency ratio?
44.40% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is Sutton Bank growing its loans?
Net loans grew 14.9% over the year to Q2 2026, while deposits grew 8.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.