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SSB Community Bank

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

Strasburg, OH

4 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH
View $100M-$1B leaderboard (OH) →

SSB Community Bank has 4 strengths but faces 1 concern

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 0.24% above tier average
  • + Net Interest Margin 0.40% above tier average
  • + Efficiency Ratio 9.85% below tier average
  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest-Bearing Deposit Share 13.66% below tier average
Get updates when SSB Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $289.2M
+8.6% YoY +2.3% QoQ
-$96.9M $386.1M
+0.5% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
44%
Total Loans ? $251.5M
+9.9% YoY +1.6% QoQ
-$4.2M $255.7M
+1.1% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
60%
Total Deposits ? $259.2M
+8.3% YoY -0.3% QoQ
-$68.7M $328.0M
+0.1% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
47%
Return on Assets ? 1.51%
+60.8% YoY +10.1% QoQ
+0.24% 1.27%
+12.9% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
68%
Net Interest Margin ? 4.33%
+19.3% YoY +1.7% QoQ
+0.40% 3.93%
+6.0% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
75%
Efficiency Ratio ? 55.43%
-12.1% YoY -1.0% QoQ
-9.85% 65.29%
-4.5% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
73%
Delinquency Rate ? 0.23%
-90.3% YoY +2.7% QoQ
-0.66% 0.89%
+18.8% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
62%
Loan-to-Deposit Ratio ? 97.01%
+1.5% YoY +1.9% QoQ
+20.37% 76.64%
+0.8% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
Bottom 12.5% in tier
Non-Interest-Bearing Deposit Share ? 8.36%
+23.1% YoY +11.3% QoQ
-13.66% 22.02%
-1.0% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
Bottom 7.9% in tier
Nonperforming Asset Ratio ? 0.20%
-90.1% YoY +2.0% QoQ
-0.44% 0.64%
+19.7% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
60%
Tier 1 Capital Ratio ? 9.55%
-0.3% YoY -1.0% QoQ
-6.28% 15.83%
+1.5% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
Bottom 5.1% in tier
Non-Interest Income / Assets ? 0.06%
-3.2% YoY -79.6% QoQ
-0.22% 0.28%
+9.3% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
28%

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2530
Tier 1 Capital Ratio
capital
Value: 9.55%
Peer Median: 15.83%
#2530 of 2664 Bottom 5.1% in $100M-$1B
2455
Non-Interest-Bearing Deposit Share
funding
Value: 8.36%
Peer Median: 22.02%
#2455 of 2664 Bottom 7.9% in $100M-$1B
2333
Loan-to-Deposit Ratio
liquidity
Value: 97.01%
Peer Median: 76.64%
#2333 of 2664 Bottom 12.5% in $100M-$1B
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