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SSB Community Bank

$100M-$1B Specialty: Commercial OH FDIC cert 29858

Strasburg, OH

4 branches across OH

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 96 in OH.
  • Deposits +6.1% year over year ($262.3M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.57%.
  • Efficiency ratio 55.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.73% 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 96 in OH
View $100M-$1B leaderboard (OH) →

SSB Community Bank has 4 strengths but faces 2 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

  • + ROA 0.25% above tier average
  • + Net Interest Margin 0.40% above tier average
  • + Efficiency Ratio 9.29% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 46.6% in tier
  • - Non-Interest-Bearing Deposit Share 12.84% below tier average
Get updates when SSB Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $296.8M
+7.3% YoY +2.6% QoQ
-$89.8M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $258.9M
+8.3% YoY +3.0% QoQ
+$587K $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $262.3M
+6.1% YoY +1.2% QoQ
-$64.5M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.57%
+18.0% YoY +3.7% QoQ
+0.25% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
69%
Net Interest Margin ? 4.39%
+6.0% YoY +1.4% QoQ
+0.40% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 55.19%
-1.3% YoY -0.4% QoQ
-9.29% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.14%
-19.5% YoY -37.4% QoQ
-0.78% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 98.73%
+2.1% YoY +1.8% QoQ
+20.77% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 11.7% in tier
Non-Interest-Bearing Deposit Share ? 9.19%
+21.6% YoY +9.9% QoQ
-12.84% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 9.1% in tier
Nonperforming Asset Ratio ? 0.12%
-18.7% YoY -37.2% QoQ
-0.54% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 9.58%
-1.0% YoY +0.3% QoQ
-6.33% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 5.8% in tier
Non-Interest Income / Assets ? 0.14%
+7.7% YoY +125.2% QoQ
-0.42% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
32%

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 9.2%
+1.6pp YoY
+0.8pp QoQ
 -13.0pp 22.1% 18.8% 22.2% 9%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 11.0%
-0.9pp YoY
-0.4pp QoQ
 -0.6pp 11.6% 10.2% 12.5% 58%
CRE 35.3%
+1.2pp YoY
+1.3pp QoQ
 -4.2pp 39.5% 34.2% 41.4% 44%
1-4 Family 52.1%
+0.5pp YoY
-0.7pp QoQ
 +19.5pp 32.6% 50.0% 31.3% 84%
Consumer 0.6%
-0.1pp YoY
0.0pp QoQ
 -3.5pp 4.1% 4.7% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 9.6%
-0.1pp YoY
0.0pp QoQ
 -9.2pp 18.8% 22.1% 19.7% 1%
Leverage Ratio 7.4%
-0.1pp YoY
+0.2pp QoQ
 -4.8pp 12.2% 12.9% 12.6% 1%
Total Capital Ratio 10.7%
-0.1pp YoY
0.0pp QoQ
 -9.3pp 19.9% 23.2% 20.8% 1%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 38
+2 (+5.6%) YoY
+1 (+2.7%) QoQ
 -21 58 2,433 482 39%
Assets per Employee ($) $7.8M
+1.6% YoY
-0.1% QoQ
 +$292K $7.5M $7.6M $8.8M 65%
Branch Count 4
0 YoY
0 QoQ
 -1 4 81 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 0.6% 1.0% 24%
Allowance Coverage 6.37x
+29.4% YoY
+55.2% QoQ
 -17.79x 24.15x 18.95x 20.23x 75%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 21.8%
+3.3pp YoY
+0.7pp QoQ
 +9.6pp 12.2% 9.7% 11.6% 92%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.7% 1.7% 93%
Net Income ($, YTD) $2.3M
+27.3% YoY
— QoQ
 -$283K $2.6M $259.3M $40.4M 58%

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 (1)

Capital Thin

risk
#309 of 661 • Bottom 46.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.58%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2492
Tier 1 Capital Ratio
capital
Value: 9.58%
Peer Median: 15.91%
#2492 of 2643 Bottom 5.8% in $100M-$1B
2403
Non-Interest-Bearing Deposit Share
funding
Value: 9.19%
Peer Median: 22.03%
#2403 of 2643 Bottom 9.1% in $100M-$1B
2334
Loan-to-Deposit Ratio
liquidity
Value: 98.73%
Peer Median: 77.95%
#2334 of 2643 Bottom 11.7% in $100M-$1B
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