BlastPoint's Banking Scorecard

SSB Bank

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

Spiro, OK

3 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits +28.5% year over year ($104.7M on the books).
Delinquency rate 0.09%.
Return on assets 0.03%.
Efficiency ratio 91.46% vs a 64.48% peer average.
Loan-to-deposit ratio 82.25% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

SSB Bank has 2 strengths but faces 3 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

+ Net Interest Margin 0.06% above tier average
+ Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 29.6% in tier
- NIB Deposit Bleed: Bottom 47.5% in tier
- Return on Assets 1.29% below tier average

Get updates when SSB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$129.9M +35.5% YoY +5.4% QoQ	-$256.6M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Bottom 8.2% in tier
Total Loans ?	$86.1M +81.3% YoY +18.3% QoQ	-$172.3M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Bottom 13.0% in tier
Total Deposits ?	$104.7M +28.5% YoY -3.7% QoQ	-$222.1M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Bottom 6.8% in tier
Return on Assets ?	0.03% -88.0% YoY +112.0% QoQ	-1.29%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 3.6% in tier
Net Interest Margin ?	4.05% -18.0% YoY +7.2% QoQ	+0.06%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	56%
Efficiency Ratio ?	91.46% +5.3% YoY -6.8% QoQ	+26.98%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 4.9% in tier
Delinquency Rate ?	0.09% -66.4% YoY +40.3% QoQ	-0.83%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	82.25% +41.1% YoY +22.9% QoQ	+4.30%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	45%
Non-Interest-Bearing Deposit Share ?	20.73% -28.9% YoY -3.9% QoQ	-1.30%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	49%
Nonperforming Asset Ratio ?	0.06% -55.0% YoY +57.5% QoQ	-0.61%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	17.01% +36.1% YoY +88.3% QoQ	+1.10%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.14% -21.3% YoY +93.0% QoQ	-0.43%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	30%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	20.7% -8.4pp YoY -0.8pp QoQ	-1.4pp	22.1%	23.9%	22.2%	48%
Brokered Deposits	n/a	n/a	7.9%	9.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	47.7% +2.2pp YoY +6.7pp QoQ	+36.2pp	11.6%	15.7%	12.5%	99%
CRE	36.5% -5.0pp QoQ	-3.0pp	39.5%	42.0%	41.4%	46%
1-4 Family	13.7% -3.9pp YoY -1.2pp QoQ	-19.0pp	32.6%	24.0%	31.3%	17%
Consumer	1.5% -1.5pp YoY -0.3pp QoQ	-2.6pp	4.1%	5.6%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	17.0% +4.5pp YoY +8.0pp QoQ	+4.8pp	12.2%	11.7%	12.6%	93%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	28 +3 (+12.0%) YoY +1 (+3.7%) QoQ	-31	58	150	482	24%
Assets per Employee ($)	$4.6M +21.0% YoY +1.6% QoQ	-$2.9M	$7.5M	$6.5M	$8.8M	10%
Branch Count	3 0 YoY 0 QoQ	-2	4	8	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.9%	0.4%	n/a
Nonaccrual	0.1% +0.1pp YoY +0.1pp QoQ	-0.8pp	0.9%	1.5%	1.0%	17%
Allowance Coverage	9.22x +152.1% YoY -35.3% QoQ	-14.94x	24.15x	61.99x	20.23x	80%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	0.2% -1.5pp YoY +2.6pp QoQ	-12.0pp	12.2%	11.9%	11.6%	4%
Cost of Funds (YTD)	2.2% +0.8pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.8%	1.7%	81%
Net Income ($, YTD)	$21,000 -83.2% YoY — QoQ	-$2.5M	$2.6M	$8.7M	$40.4M	3%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#108 of 361 • Bottom 29.6% in tier

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

Why this signature

Efficiency Ratio: 91.46%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline

#78 of 162 • Bottom 47.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 20.73%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

603

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#603 of 2643 Top 22.8% in $100M-$1B

609

Tier 1 Capital Ratio

capital

Value: 17.01%

Peer Median: 15.91%

#609 of 2643 Top 23.0% in $100M-$1B

656

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.92%

#656 of 2633 Top 24.9% in $100M-$1B

Top Weaknesses (5 metrics)

2550

Return on Assets

profitability

Value: 0.03%

Peer Median: 1.32%

#2550 of 2643 Bottom 3.6% in $100M-$1B

2515

Efficiency Ratio

profitability

Value: 91.46%

Peer Median: 64.48%

#2515 of 2643 Bottom 4.9% in $100M-$1B

2463

Total Deposits

size

Value: $104.67M

Peer Median: $326.73M

#2463 of 2643 Bottom 6.8% in $100M-$1B

2428

Total Assets

size

Value: $129.92M

Peer Median: $386.57M

#2428 of 2643 Bottom 8.2% in $100M-$1B

2301

Total Loans

size

Value: $86.09M

Peer Median: $258.35M

#2301 of 2643 Bottom 13.0% in $100M-$1B