SSB Bank
BankRegReports is independent of SSB Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
SSB Bank is an FDIC-insured savings bank headquartered in Pittsburgh, PA, established in 1922 (FDIC certificate 30431), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $430.4M, up 20.4% from Q2 2025, the 74th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 11.68% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30431
- Headquarters
- Pittsburgh, PA
- Established
- 1922
- Total assets, Q2 2026
- $430.4M
- Assets vs Q2 2025
- +20.4%
- CET1 ratio, Q2 2026
- 11.68%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 243073959
- Latest call report
- Q2 2026, FFIEC 041 · SSB Bank call report
- Holding company
- SSB BANCORP, INC.
- Asset rank in state
- 74th of 109 in Pennsylvania
Problem loans are rising at SSB Bank. Based in Pittsburgh, Pennsylvania, it had $430 million in assets at June 30, 2026, up 20.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.64% of loans from 1.24% a year earlier. It funds 7.75% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 20.3% of the capital and reserves that would absorb them, 7.7 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.5 million, 135% above the same quarter a year earlier. Over the same year, loans grew 8.6% and deposits grew 23.8%. Funding is the softer spot: it pays an average of 2.22% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, SSB Bank reported a CET1 capital ratio of 11.68%, a return on assets of 1.51%, a nonperforming-loan ratio of 1.64% and a Texas ratio of 20.33%. The figures come from its call report filed with the FFIEC.
SSB Bank ranks as the 74th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $430.4M, loans rose 2.8% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 51.0% of total loans, followed by commercial and industrial loans at 16.3%. Its 3 offices in the FDIC Summary of Deposits are in Pittsburgh, PA. Judged on its Q2 2026 call report, SSB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8700 Perry Hwy, Pittsburgh, PA 15237
- County
- Allegheny
- Metro Area
- Pittsburgh, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1922
- Former names
- Slovak Savings Bank (1992-2017)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $378.5M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $321K
- Average total assets
- $400.6M
- Average total loans
- $281.8M
- Average interest-bearing deposits
- $188.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30431
- Fed RSSD
- 277277
- SEC CIK
- 1726994 → filed by SSB BANCORP, MHC
- Website
- www.ssbpgh.com →
- Parent Holding Company
- SSB BANCORP, INC. (RSSD 5161353)
- Ultimate Parent
- SSB BANCORP, MHC (RSSD 5161335)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
SSB Bank's total assets moved between a low of $290.7M (Q3 2023) and a high of $434.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$430.4M total assets against $357.6M; $399.4M total liabilities against $331.0M.
$287.8M net loans and leases against $265.1M; $378.5M total deposits against $305.7M.
$6.0M securities against $6.3M; $115.4M cash and balances due against $67.4M.
$5.2M total interest income against $4.5M; $1.7M total interest expense against $2.1M.
$3.5M net interest income against $2.4M.
$2.0M total noninterest income against $1.1M; $3.2M total noninterest expense against $2.4M.
$260K provision for credit losses against $140K.
$1.5M net income against $644K.
1.51% return on assets against 0.75%; 3.61% net interest margin against 2.85%.
11.68% CET1 capital ratio against 11.19%; 7.75% tier 1 leverage ratio against 7.76%.
Inside the full SSB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSSB Bank rankings
Its closest position to the top of a national ranking is 165 of 3,640, for Texas Ratio; its furthest is 1,811 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q1 2025) to 1.51% (Q2 2026) and its net interest margin ran from 2.67% (Q3 2024) to 3.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.68% | 1.51% | 1.64% | 20.33% | 3.61% |
| Q1 2026 | 12.01% | 1.06% | 1.64% | 21.09% | 3.16% |
| Q4 2025 | 11.05% | 0.99% | 1.33% | 18.92% | 3.41% |
| Q3 2025 | 11.10% | 0.83% | 1.87% | 24.37% | 3.03% |
| Q2 2025 | 11.19% | 0.75% | 1.24% | 17.69% | 2.85% |
| Q1 2025 | 10.83% | 0.70% | 1.26% | 18.20% | 2.73% |
| Q4 2024 | 10.90% | 0.75% | 1.55% | 18.29% | 2.85% |
| Q3 2024 | 10.72% | 0.71% | 1.47% | 17.64% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| SSB Bank (main office) | Pittsburgh , PA | 15237 | $294.3M |
| 2470 California Avenue | Pittsburgh , PA | 15212 | $78.0M |
| Pittsburgh Branch | Pittsburgh , PA | 15217 | $6.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 10, 1994 | Structure Change | Acquired American Slovak Building and Loan Association of McKees Rocks, Pennsylvania Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 91 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 131 applications, 125 loans originated, $35.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows SSB Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about SSB Bank
What are SSB Bank's total assets?
As of the Q2 2026 filing, SSB Bank reported total assets of $430.4 million in its FFIEC call report.
Where is SSB Bank headquartered?
It is headquartered in Pittsburgh, PA, United States.
When was SSB Bank founded?
It was established in 1922, per the FDIC institution directory.
Is SSB Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30431). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates SSB Bank?
SSB Bank's primary federal regulator is the FDIC.
What is SSB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.68% in its Q2 2026 call report, above regulatory requirements.
How many branches does SSB Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is SSB Bank's Texas Ratio?
Its Texas Ratio is 20.33% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was SSB Bank previously called?
The charter now named SSB Bank has also operated as Slovak Savings Bank (1992-2017), per FDIC structure-change records.
Go deeper on SSB Bank.
Get an email when SSB Bank files its next call report, and benchmark it against any peer you choose.
Unlock SSB Bank, freeFree account