# SUTTON BANK
ATTICA, OH · FDIC certificate 5962 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.74B | |
| Deposits | $1.50B | |
| Loans and leases | $447.4M | |
| Total equity | $228.0M | |
| Loans / deposits | 29.40% (p3 of band) | 87.10% |
| Liquid assets / assets | 68.18% (p98 of band) | |
| Uninsured deposits / deposits | 89.24% (p100 of band) | 30.76% |
| Brokered deposits | 17.92% | |
| Wholesale funding | 18.00% (p86 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.01% (p37 of band) | 10.50% |
| Unrealized securities loss / equity | -1.05% (p88 of band) | -7.75% |
| AOCI / equity | -1.29% (p12 of band) | |
| ROA (annualized) | 5.07% (p99 of band) | 1.26% |
| Net interest margin | 5.72% (p97 of band) | 3.70% |
| Efficiency ratio | 44.40% (p12 of band) | |
| Noncurrent loans | 0.02% (p6 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 7140.79% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 25.67% (p24 of band) | |
| Auto loans | $286,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 242 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | wholesale funding >15% |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | wholesale funding >15% |  |
| 2014-03 | 1 | capital falling | wholesale funding >15% |
| 2014-06 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | uninsured deposits leaving |  |
| 2016-06 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | brokered >10% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | brokered >10%, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2018-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 3 |  | brokered >10% |
| 2019-03 | 5 | brokered >10%, capital falling |  |
| 2019-06 | 4 |  | capital falling |
| 2019-09 | 3 |  | brokered >10% |
| 2019-12 | 4 | brokered >10%, capital falling | noncurrent p90 |
| 2020-03 | 2 |  | charge-offs p90, capital falling |
| 2020-06 | 1 | uninsured deposits >50% | reserve under noncurrent, brokered >10% |
| 2020-09 | 1 | brokered >10% | uninsured deposits >50% |
| 2020-12 | 3 | uninsured deposits >50%, wholesale funding >15% |  |
| 2021-03 | 4 | NIM <2.5% |  |
| 2021-06 | 5 | capital falling |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 |  | capital falling |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 | capital falling | uninsured deposits >50% |
| 2022-12 | 3 | uninsured deposits leaving | NIM <2.5%, capital falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 3 | uninsured deposits >50% |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | deposits shrinking, assets shrinking |  |
| 2024-12 | 6 | capital falling |  |
| 2025-03 | 5 |  | capital falling |
| 2025-06 | 5 |  |  |
| 2025-09 | 3 |  | deposits shrinking, assets shrinking |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-18 [A170 Sutton Bank in North Yorkshire to shut for essential repairs - BBC](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5RQTg4UnBkSW1XUDNGX3VLS2p4Y2pNeGF3NXJmemtGcnBybnJUVDJDX0hDYW9WMWdVbk01VjlFeVJWT3lyV3cxbjZZdWdnM19vdnNQRlhPUkdmdw?oc=5) · BBC
- 2024-04-01 [Piermont, Sutton banks hit with FDIC consent orders over BaaS - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVTBwakRfSjk3MkNMZG1yRVQ1R3VxZ0lkdVJsdjA2RS1wS0VTTUl4TWkwRm9xODk4NjhOTnNHNkptRXRjM0doeGQ3OXJjWjAySDZxc0NXdm1NUUpPT2lQZVJURnVZeDM4M3VMOVhybzF4YTJrMEUya0lhSGw4RWhwZ0Z4MGE4UWRfOVNfM2tsd3ZSb2pYR3NQb21qbFI4V2U0ejYyajF6OEMxTHdFbGVPVWRBSDd1QQ?oc=5) · Banking Dive
- 2022-04-26 [Sutton Bank and Bankers Helping Bankers Launch BaaS Association - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxPNDZRU2gwYmtEbzdjZFlpc2NoOEsxWEQ4aWlFdWhiSDNrQnBxOHNEd3BWdEJsdjh1R1o1aVoxcDdIUmVXa3pWLUhpQXZMdnFJbUxPZ0E3YThLT2s1bFVMZG1tTm9YcGxtSjQ4VDNJdHhxeXhnZE81WkhGYzBNbzFXTTNFN05LcE9Cc1lFNHRQWTBucTh5amNmZC1IbFkzcXY5eUp0WkFRZmRxQ1R0WFk2TzctZVVkUExYM2NHRA?oc=5) · Business Wire
- 2022-06-03 [This Ohio village bank serves millions of customers — and fraudsters prey on it - NBC4 WCMH-TV](https://news.google.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?oc=5) · NBC4 WCMH-TV
- 2024-12-27 [Sutton Bank welcomes new chief operating officer - Advertiser-Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxQOTlWcG9KcVhOZXQ4STJXc1lGa1NCTGIzRy1iQVNMRUJLdnpsQ1NQYnExTHZhTlhKYUpCbnBLVkhtWlhDOTk4SEdGVUN3YnFxZ3BDLUpmZDlPWDZHRXdSOHpyVVJGcFlWUTlIU0MxdmNCbGQ2M2N0YnllYXNYOHpkaUpLdlpYcW83WnVWaXZnZHNOZEQwMk5n?oc=5) · Advertiser-Tribune
- 2025-12-23 [Sutton Bank closed near Thirsk after tanker comes off road - BBC](https://news.google.com/rss/articles/CBMiWkFVX3lxTE0tb180MkJIZWhReVQ5amt4WkNmcU1IX2RXREE0LUZic1JrbFpQY01IN2lGT1FrU1RWTm5DUzZ2VXRzazFCTGllYVZSUmhySkxST3l4Zm5yOEJQUQ?oc=5) · BBC
- 2025-03-27 [Sutton Bank in “old fashioned innovation” with new paytech product launch - FinTech Futures](https://news.google.com/rss/articles/CBMivgFBVV95cUxNVEc0dGtTNm5tSzdIMVZfRUJfNEVtTml5LW9rMEJfUkhBMEU0QlJ2RnNMNU1OcTRYTVFwRGJuMC02b3FtV3lYWjNLUk55SEFFQTlmd2RBX1BRS0xhVi1RbHZ3UDQyWTBRd2thYW00MkdtLVZyZFkzWmNhZi1NQkR1YUNCUE11Nzk2ODhfekN1ZU1DSnVuQTR6ai1ZTEJCSk5SLTZxcmdMVnlvZFBnRzFuVXR5YnM5SlBOWV9TNF9n?oc=5) · FinTech Futures
- 2026-01-22 [Dark Skies Gravel* event at Sutton Bank, February 28th - singletrackworld.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPQzNzUnpvbDhwcDBsYWZEbi13TDdub0VDbkN0d0RrcEZCbHRCODdCNHV6QlNvb2Z5aGFkV0tfZGdfYVZUbGstQmN4Qm5JR3dnV3lLRm0xR1NrcVp0c25MZmYxRHRxQ2JWS3lEUThqVFhlc0gwNXVtck1EX0ZnbVF5eWxaTjJBYm15djYxbFRKd2Z2SUIx?oc=5) · singletrackworld.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5962 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "5962", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide