🏦Bank Scorer

SUTTON BANK

ATTICA, OH · Supervised by FDIC

Est. 1878FDIC #5,962RSSD: FDIC-5962
Part ofSUTTON BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 5.05%

Institution Profile

FDIC BankFind

Address

1 S Main St, ATTICA, OH

County

Seneca County

Established

January 1, 1878

Total Assets

$1.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.5B

Net Loans

$421M

Net Income

$21M

ROA

5.05%

ROE

37.14%

Risk-Based Capital

32.13%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.82%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$1.4B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243479.41%8.82%
20233287.5%6.25%
20227471.62%14.86%
202116782.63%11.38%
202024281.4%13.64%
201910573.33%20.00%
20188284.15%14.63%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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