SSB Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Risk-weighted assets: 8.1% higher than in Q1 2026, at $265.6M. Within Pennsylvania, SSB Bank is 62nd of 72 on CET1 ratio, 11.68% as of Q2 2026. SSB Bank reported 11.68% on CET1 ratio for Q2 2026, 3.40 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.68% |
| Tier 1 risk-based capital ratio | 11.68% |
| Total risk-based capital ratio | 12.92% |
| Tier 1 leverage ratio | 7.75% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $31.0M |
| Tier 1 capital | $31.0M |
| Total risk-based capital | $34.3M |
| Total equity capital | $31.0M |
| Risk-weighted assets | $265.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.21% |
| Tangible equity to tangible assets | 7.21% |
| Equity capital to average assets | 7.75% |
| Internal capital growth rate | 20.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.3M |
| Common stock surplus | $0 |
| Retained earnings | $26.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $3K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.63% | 9.63% | 10.71% | 7.69% | $237.5M |
| Q4 2023 | 10.40% | 10.40% | 11.59% | 7.96% | $224.0M |
| Q1 2024 | 10.77% | 10.77% | 12.02% | 7.94% | $221.0M |
| Q2 2024 | 10.07% | 10.07% | 11.26% | 7.86% | $242.4M |
| Q3 2024 | 10.72% | 10.72% | 11.97% | 7.85% | $233.2M |
| Q4 2024 | 10.90% | 10.90% | 12.15% | 8.06% | $234.8M |
| Q1 2025 | 10.83% | 10.83% | 12.05% | 7.99% | $241.5M |
| Q2 2025 | 11.19% | 11.19% | 12.43% | 7.76% | $239.6M |
| Q3 2025 | 11.10% | 11.10% | 12.25% | 7.55% | $248.3M |
| Q4 2025 | 11.05% | 11.05% | 12.26% | 7.71% | $257.6M |
| Q1 2026 | 12.01% | 12.01% | 13.24% | 7.49% | $245.8M |
| Q2 2026 | 11.68% | 11.68% | 12.92% | 7.75% | $265.6M |
SSB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock SSB Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full SSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30431) · FFIEC NIC profile (RSSD 277277)