SSB Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 3.10 percentage points in Q2 2026, from 73.75% to 76.85%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, SSB Bank is 20th of 109 on return on assets, 1.51% as of Q2 2026. SSB Bank reported 1.51% on return on assets for Q2 2026, 0.26 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.68% |
| Tier 1 risk-based capital ratio | 11.68% |
| Total risk-based capital ratio | 12.92% |
| Tier 1 leverage ratio | 7.75% |
| Equity capital to assets | 7.21% |
| Tangible equity to tangible assets | 7.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.13% |
| Non-performing assets ratio | 1.94% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 20.33% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 49.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 20.05% |
| Net interest margin | 3.61% |
| Efficiency ratio | 58.13% |
| Yield on earning assets | 5.38% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.85% |
| Core deposits to total deposits | 91.27% |
| Brokered deposits to total deposits | 4.91% |
| Deposits to assets | 87.93% |
| Securities to assets | 1.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.63% | 9.63% | 10.71% | 7.69% | 0.86% |
| Q4 2023 | 10.40% | 10.40% | 11.59% | 7.96% | 0.54% |
| Q1 2024 | 10.77% | 10.77% | 12.02% | 7.94% | 0.68% |
| Q2 2024 | 10.07% | 10.07% | 11.26% | 7.86% | 0.80% |
| Q3 2024 | 10.72% | 10.72% | 11.97% | 7.85% | 0.71% |
| Q4 2024 | 10.90% | 10.90% | 12.15% | 8.06% | 0.75% |
| Q1 2025 | 10.83% | 10.83% | 12.05% | 7.99% | 0.70% |
| Q2 2025 | 11.19% | 11.19% | 12.43% | 7.76% | 0.75% |
| Q3 2025 | 11.10% | 11.10% | 12.25% | 7.55% | 0.83% |
| Q4 2025 | 11.05% | 11.05% | 12.26% | 7.71% | 0.99% |
| Q1 2026 | 12.01% | 12.01% | 13.24% | 7.49% | 1.06% |
| Q2 2026 | 11.68% | 11.68% | 12.92% | 7.75% | 1.51% |
SSB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock SSB Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)