BlastPoint's Banking Scorecard

SSB Bank

$100M-$1B Specialty: Commercial OK FDIC cert 16908

Spiro, OK

3 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

SSB Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 2.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.5% in tier
- Efficiency Drag: Bottom 18.1% in tier
- Return on Assets 1.55% below tier average
- Net Interest Margin 0.16% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$123.3M +41.1% YoY +5.8% QoQ	-$262.8M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 6.9% in tier
Total Loans ?	$72.8M +92.2% YoY +2.2% QoQ	-$182.9M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 8.4% in tier
Total Deposits ?	$108.7M +48.8% YoY +6.7% QoQ	-$219.3M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 8.2% in tier
Return on Assets ?	-0.28% -201.2% YoY -346.7% QoQ	-1.55%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Bottom 2.4% in tier
Net Interest Margin ?	3.77% -24.7% YoY -16.1% QoQ	-0.16%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	98.09% +9.6% YoY +3.5% QoQ	+32.80%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Bottom 2.9% in tier
Delinquency Rate ?	0.06% -29.2% QoQ	-0.82%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	66.95% +29.2% YoY -4.3% QoQ	-9.69%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	21.57% -23.2% YoY +5.6% QoQ	-0.45%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.04% -31.6% QoQ	-0.60%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	9.03% -29.0% YoY -20.0% QoQ	-6.80%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 0.9% in tier
Non-Interest Income / Assets ?	0.07% -28.3% YoY -73.9% QoQ	-0.21%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#17 of 664 • Top 2.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#138 of 1308 • Bottom 10.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Efficiency Drag

risk

#76 of 414 • Bottom 18.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 98.09%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

539

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#539 of 2664 Top 20.2% in $100M-$1B

589

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#589 of 2654 Top 22.2% in $100M-$1B

Top Weaknesses (6 metrics)

2640

Tier 1 Capital Ratio

capital

Value: 9.03%

Peer Median: 15.83%

#2640 of 2664 Bottom 0.9% in $100M-$1B

2602

Return on Assets

profitability

Value: -0.28%

Peer Median: 1.27%

#2602 of 2664 Bottom 2.4% in $100M-$1B

2589

Efficiency Ratio

profitability

Value: 98.09%

Peer Median: 65.29%

#2589 of 2664 Bottom 2.9% in $100M-$1B

2481

Total Assets

size

Value: $123.28M

Peer Median: $386.08M

#2481 of 2664 Bottom 6.9% in $100M-$1B

2446

Total Deposits

size

Value: $108.70M

Peer Median: $327.97M

#2446 of 2664 Bottom 8.2% in $100M-$1B

2441

Total Loans

size

Value: $72.77M

Peer Median: $255.72M

#2441 of 2664 Bottom 8.4% in $100M-$1B