SSB Community 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%.
Retained earnings rose 5.5% from Q1 2026 to Q2 2026, ending at $16.4M against $15.5M. It was the largest change among the key lines on this page. SSB Community Bank has the 1st lowest CET1 ratio of the 84 banks headquartered in Ohio, at 9.58% as of Q2 2026. SSB Community Bank reported 9.58% on CET1 ratio for Q2 2026, 5.49 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.58% |
| Tier 1 risk-based capital ratio | 9.58% |
| Total risk-based capital ratio | 10.66% |
| Tier 1 leverage ratio | 7.36% |
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 | $21.6M |
| Tier 1 capital | $21.6M |
| Total risk-based capital | $24.0M |
| Total equity capital | $21.6M |
| Risk-weighted assets | $225.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.28% |
| Tangible equity to tangible assets | 7.28% |
| Equity capital to average assets | 7.36% |
| Internal capital growth rate | 16.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $37K |
| Common stock surplus | $5.2M |
| Retained earnings | $16.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 9.59% | 9.59% | 10.55% | 7.41% | $167.2M |
| Q4 2023 | 9.16% | 9.16% | 10.11% | 7.26% | $175.2M |
| Q1 2024 | 9.60% | 9.60% | 10.58% | 7.33% | $177.1M |
| Q2 2024 | 9.45% | 9.45% | 10.46% | 7.10% | $182.5M |
| Q3 2024 | 9.53% | 9.53% | 10.46% | 7.11% | $190.5M |
| Q4 2024 | 9.55% | 9.55% | 10.54% | 7.19% | $196.5M |
| Q1 2025 | 9.57% | 9.57% | 10.60% | 7.30% | $200.5M |
| Q2 2025 | 9.68% | 9.68% | 10.73% | 7.42% | $206.8M |
| Q3 2025 | 9.69% | 9.69% | 10.82% | 7.30% | $209.4M |
| Q4 2025 | 9.64% | 9.64% | 10.79% | 7.13% | $211.5M |
| Q1 2026 | 9.55% | 9.55% | 10.68% | 7.21% | $215.8M |
| Q2 2026 | 9.58% | 9.58% | 10.66% | 7.36% | $225.5M |
SSB Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock SSB Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29858) · FFIEC NIC profile (RSSD 995674)