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SSB Bank

$100M-$1B Specialty: Commercial PA FDIC cert 30431

Pittsburgh, PA

3 branches across PA

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 55 in PA.
  • Deposits +23.8% year over year ($378.5M on the books).
  • Delinquency rate 1.65%.
  • Return on assets 1.25%.
  • Efficiency ratio 60.74% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.04% 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 55 in PA
View $100M-$1B leaderboard (PA) →

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

  • + Revenue Diversifier: Top 15.7% in tier
  • + Efficiency Ratio 3.74% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.08% below tier average
  • - Net Interest Margin 0.72% below tier average
  • - Delinquency Rate 0.73% above tier average
Get updates when SSB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $430.4M
+20.4% YoY -1.0% QoQ
+$43.9M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $287.8M
+8.5% YoY +2.7% QoQ
+$29.4M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $378.5M
+23.8% YoY -1.4% QoQ
+$51.7M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 1.25%
+72.3% YoY +19.6% QoQ
-0.08% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 3.26%
+14.8% YoY +7.3% QoQ
-0.72% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
18%
Efficiency Ratio ? 60.74%
-14.0% YoY -4.9% QoQ
-3.74% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 1.65%
+32.4% YoY +0.1% QoQ
+0.73% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 76.04%
-12.3% YoY +4.1% QoQ
-1.92% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 23.50%
-17.3% YoY -15.4% QoQ
+1.47% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 1.61%
+10.7% YoY +3.0% QoQ
+0.94% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Bottom 10.7% in tier
Tier 1 Capital Ratio ? 11.68%
+4.4% YoY -2.7% QoQ
-4.23% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.84%
+48.1% YoY +129.2% QoQ
+0.28% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Top 4.5% in tier

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 (PA) National Avg Tier Percentile
Noninterest-Bearing 23.5%
-4.9pp YoY
-4.3pp QoQ
 +1.4pp 22.1% 18.7% 22.2% 60%
Brokered Deposits 4.9%
+3.9pp YoY
0.0pp QoQ
 -3.0pp 7.9% 6.8% 8.5% 51%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 16.5%
+0.2pp YoY
-0.1pp QoQ
 +5.0pp 11.6% 8.6% 12.5% 81%
CRE 29.5%
-0.3pp YoY
+0.3pp QoQ
 -10.0pp 39.5% 37.9% 41.4% 34%
1-4 Family 51.6%
+1.2pp YoY
0.0pp QoQ
 +18.9pp 32.6% 47.8% 31.3% 84%
Consumer 3.4%
-1.1pp YoY
-0.1pp QoQ
 -0.7pp 4.1% 3.8% 5.0% 65%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 11.7%
+0.5pp YoY
-0.3pp QoQ
 -7.1pp 18.8% 22.3% 19.7% 13%
Leverage Ratio 7.7%
0.0pp YoY
+0.3pp QoQ
 -4.4pp 12.2% 13.2% 12.6% 1%
Total Capital Ratio 12.9%
+0.5pp YoY
-0.3pp QoQ
 -7.0pp 19.9% 23.3% 20.8% 15%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 43
+3 (+7.5%) YoY
-2 (-4.4%) QoQ
 -16 58 299 482 45%
Assets per Employee ($) $10.0M
+12.0% YoY
+3.6% QoQ
 +$2.5M $7.5M $9.2M $8.8M 86%
Branch Count 3
+1 (+50.0%) YoY
0 QoQ
 -2 4 20 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 46%
Nonaccrual 1.6%
+0.4pp YoY
0.0pp QoQ
 +0.6pp 0.9% 0.9% 1.0% 83%
Allowance Coverage 0.64x
-22.8% YoY
+5.8% QoQ
 -23.51x 24.15x 3.63x 20.23x 16%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
-0.2pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 17.3%
+7.9pp YoY
+2.8pp QoQ
 +5.1pp 12.2% 10.2% 11.6% 78%
Cost of Funds (YTD) 1.8%
-0.8pp YoY
-0.2pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 60%
Net Income ($, YTD) $2.6M
+110.7% YoY
— QoQ
 +$5K $2.6M $18.2M $40.4M 63%

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)

Revenue Diversifier

growth
#105 of 661 • Top 15.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.84%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.25%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

119
Non-Interest Income / Assets
revenue_mix
Value: 0.84%
Peer Median: 0.57%
#119 of 2643 Top 4.5% in $100M-$1B

Top Weaknesses (3 metrics)

2361
Nonperforming Asset Ratio
credit_quality
Value: 1.61%
Peer Median: 0.67%
#2361 of 2643 Bottom 10.7% in $100M-$1B
2196
Delinquency Rate
credit_quality
Value: 1.65%
Peer Median: 0.92%
#2196 of 2633 Bottom 16.6% in $100M-$1B
2162
Net Interest Margin
profitability
Value: 3.26%
Peer Median: 3.99%
#2162 of 2643 Bottom 18.2% in $100M-$1B
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