| Metric | Sutton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +5.5% | +2.7 pts |
| Deposit growth (YoY) | +8.0% | +5.1% | +3.0 pts |
| Loan growth (YoY) | +14.9% | +5.9% | +9.0 pts |
| ROA | 5.07% | 1.26% | +3.8 pts |
| ROE | 37.7% | 12.2% | +25.6 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.74B | $1.50B | $442.0M | $228.0M | $42.3M | 5.07% | 5.72% | 0.00% |
| Q1 2026 | $1.68B | $1.45B | $420.8M | $224.1M | $20.6M | 5.05% | 5.66% | 0.00% |
| Q4 2025 | $1.59B | $1.35B | $431.3M | $220.7M | $84.3M | 5.25% | 5.94% | 0.00% |
| Q3 2025 | $1.66B | $1.43B | $393.4M | $215.1M | $62.5M | 5.18% | 5.89% | 0.00% |
| Q2 2025 | $1.61B | $1.39B | $384.7M | $209.1M | $41.0M | 5.14% | 5.88% | 0.00% |
| Q1 2025 | $1.60B | $1.38B | $387.5M | $207.0M | $19.9M | 5.01% | 5.96% | 0.02% |
| Q4 2024 | $1.58B | $1.36B | $396.8M | $201.2M | $96.2M | 5.03% | 4.99% | 0.02% |
| Q3 2024 | $1.53B | $1.32B | $393.5M | $194.2M | $71.3M | 4.76% | 4.74% | 0.04% |
Loan mix (Q2 2026): real estate $357.0M · commercial $78.8M · consumer $2.0M · securities $362.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sutton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 5.07% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 37.7% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.72% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.4% | 59.0% | 11th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sutton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sutton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sutton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sutton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.