Original filing (PDF)20251016122945NAL0008225712001

Sutton Bank

Name: Sutton Bank — Sutton Bank Employee Stock Ownership &, Form 5500 (2024)
Creator: Sutton Bank
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Sutton Bank Employee Stock Ownership & 401(k) Plan

401(k) retirement plan · Sutton Bank's Sutton Bank Employee Stock Ownership & 401(k) Plan held $89.7M in plan assets for 192 participants in 2024.

Signals · 4

65% in single holding65% employer stockHigh average account balanceNo recordkeeper disclosed

Active participants

192

Accounts w/ balance

236

Plan assets (EOY)

$89.7M

Net assets (EOY)

$89.7M

How this plan invests

This plan

1 pooled trust

Schedule D

36 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Top-tier plan health

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

62% of assets in employer securities (concentration risk).

Helping the score

Below-peer total plan cost (89th percentile).
High average account balance (95th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for SUTTON BANK.

Plan sponsor

Name

SUTTON BANK

EIN

34-4369660all filings

Address

1 SOUTH MAIN ST · ATTICA, OH · 44807

Phone

(419) 426-3641

Industry

Commercial Banking· Finance & Insurance

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-16

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2H · Partial participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2O · ESOP (non-leveraged)

2Q · S-corporation ESOP

2T · Default investment account (QDIA)

Service providers (Schedule C)

2 rows

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
CBIZ BENEFITS AND INSURANCE SERVICE	31-1582098	HOUSTON, TX	TPA	$0	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
KRUGLIAK, WILKINS, GRIFFITHS & DOU	34-1295659	CANTON, OH	SERVICE PROVIDER	$6K	—

Investments

36 direct securities · 1 pooled fund· $115.9M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.

Common Stocks

$55.8M

1 holding

Pooled Separate Account

$29.5M

1 holding

Mutual Funds

$26.0M

27 holdings

Common Collective Trusts

$3.0M

3 holdings

Other securities

$1.5M

4 holdings

Cash / Money Market

$32K

1 holding

					% of plan
Sutton Bancshares, Inc. 41,798 Shares	Common Stocks	—	—	$55.8M	62.2%
SEPARATE ACCOUNT D VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000	Pooled Separate Account	—	—	$29.5M	32.9%
American Funds Wash Mtual R6	Mutual Funds	—	—	$5.6M	6.2%
American Funds Grow th Fnd R6	Mutual Funds	—	—	$4.6M	5.2%
American Funds Nw Prspctv R6	Mutual Funds	—	—	$3.7M	4.1%
Vanguard 500 Index Fund Admiral Shares	Common Collective Trusts	—	—	$2.1M	2.4%
American Funds AMCAP Fund R6	Mutual Funds	—	—	$1.7M	1.9%
American Funds SMALLCAP R6	Mutual Funds	—	—	$1.5M	1.7%
American Funds Am Balanced R6	Mutual Funds	—	—	$1.3M	1.5%
American Funds Bond Fd Am R6	Mutual Funds	—	—	$1.1M	1.2%
American Funds Nw Economy R6	Mutual Funds	—	—	$1.0M	1.2%
Fully Benefit-Responsive Investm ent Contract * Voya Fixed Account	Other securities	—	—	$927K	1.0%
American Funds EuroPacific R6	Mutual Funds	—	—	$797K	0.9%
PIMCO Gov Money Mkt Fd	Mutual Funds	—	—	$694K	0.8%
MyCompass American Funds 2035 Fund	Mutual Funds	—	—	$598K	0.7%
American Funds Amer Mtual R6	Mutual Funds	—	—	$517K	0.6%
Vanguard Mid-Cap Index Fund Admiral Shares	Common Collective Trusts	—	—	$500K	0.6%
Vanguard Small-Cap Index Fund Admiral Shares	Common Collective Trusts	—	—	$428K	0.5%
MyCompass American Funds 2050 Fund	Mutual Funds	—	—	$419K	0.5%
MyCompass American Funds 2040 Fund	Mutual Funds	—	—	$399K	0.4%
Janus Hndrsn Triton Fund N	Mutual Funds	—	—	$396K	0.4%
Neuberger Berman Midcap Grow th	Other securities	—	—	$388K	0.4%
MyCompass American Funds 2045 Fund	Mutual Funds	—	—	$338K	0.4%
MyCompass American Funds 2030 Fund	Mutual Funds	—	—	$293K	0.3%
MyCompass American Funds 2055 Fund	Mutual Funds	—	—	$251K	0.3%
MyCompass American Funds 2060 Fund	Mutual Funds	—	—	$177K	0.2%
MyCompass American Funds 2025 Fund	Mutual Funds	—	—	$165K	0.2%
Voya Intermediate Bond Fund R6	Other securities	—	—	$108K	0.1%
MyCompass American Funds 2020 Fund	Mutual Funds	—	—	$104K	0.1%
Through March 2038 -	Other securities	—	—	$101K	0.1%
MyCompass American Funds 2065 Fund	Mutual Funds	—	—	$70K	<0.1%
American Funds Capital Income Builder R6	Mutual Funds	—	—	$59K	<0.1%
DFA U.S. Vector	Mutual Funds	—	—	$50K	<0.1%
Voya Gov Money Mkt Fnd A (Hold Acct)	Cash / Money Market	—	—	$32K	<0.1%
DFA U.S. Targeted Value Port Inst	Mutual Funds	—	—	$26K	<0.1%
MyCompass American Funds 2015 Fund	Mutual Funds	—	—	$10K	<0.1%
MyCompass American Funds 2010 Fund	Mutual Funds	—	—	$8K	<0.1%