BlastPoint's Banking Scorecard
Sutton Bank
Community
Specialty: Other
OH
FDIC cert 5962
Attica, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Sutton Bank has 7 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 3% in Community
- + Revenue Diversifier: Top 6% in Community
- + Profitability Leader: Top 20% in Community
- + Efficiency Ratio 16.52% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 19.26% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 28% in Community
- - Loan-to-Deposit Ratio 51.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+0.3% YoY
-4.3% QoQ
|
+$193.7M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$431.3M
+8.7% YoY
+9.6% QoQ
|
-$544.2M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$1.4B
-0.8% YoY
-5.4% QoQ
|
+$188.3M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
5.25%
+4.4% YoY
+1.4% QoQ
|
+4.08% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.94%
+19.0% YoY
+0.9% QoQ
|
+2.28% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
46.11%
+24.2% YoY
+0.9% QoQ
|
-16.52% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
31.88%
+9.6% YoY
+15.9% QoQ
|
-51.19% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
71.87%
-1.3% YoY
-1.3% QoQ
|
+50.83% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
29.51%
-6.9% YoY
-4.6% QoQ
|
+19.26% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
4.02%
+2.1% YoY
+37.3% QoQ
|
+3.28% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (7)
Deposit Franchise
growth
#5 of 150 · Top 3% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
71.87%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.94%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#25 of 371 · Top 6% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
4.02%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
5.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#76 of 371 · Top 20% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
5.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
46.11%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
29.51%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Cost Spiral
risk
#12 of 40 · Bottom 28% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
46.11%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
31.88%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 5.25% · Tier avg: 1.16%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 71.87% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
99
99th pctile
Tier 1 Capital Ratio
Current: 29.51% · Tier avg: 10.24%
98
98th pctile
Net Interest Margin
Current: 5.94% · Tier avg: 3.66%
98
98th pctile
Non-Interest Income / Assets
Current: 4.02% · Tier avg: 0.74%
91
91th pctile
Efficiency Ratio
Current: 46.11% · Tier avg: 62.63%
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
19
19th pctile
Total Loans
Current: $431.3M · Tier avg: $975.5M
1
1th pctile
Loan-to-Deposit Ratio
Current: 31.88% · Tier avg: 83.06%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 31.88% · Tier avg: 83.06%
19
19th pctile
Total Loans
Current: $431.3M · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
91
91th pctile
Efficiency Ratio
Current: 46.11% · Tier avg: 62.63%
98
98th pctile
Non-Interest Income / Assets
Current: 4.02% · Tier avg: 0.74%
98
98th pctile
Net Interest Margin
Current: 5.94% · Tier avg: 3.66%
99
99th pctile
Tier 1 Capital Ratio
Current: 29.51% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 71.87% · Tier avg: 21.05%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Return on Assets
Current: 5.25% · Tier avg: 1.16%