SSB Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks SSB Community Bank of Strasburg, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.62% | 1.34% | +0.28% | 70th above |
| ROAE | 22.56% | 13.31% | +9.25% | 93rd top |
| Net Interest Margin | 4.39% | 3.93% | +0.46% | 75th top |
| Efficiency Ratio | 54.96% | 61.14% | -6.18% | 69th above |
| PPNR / Avg Assets | 2.06% | 1.68% | +0.38% | 75th top |
| Yield on Earning Assets | 7.01% | 5.67% | +1.34% | 95th top |
| Cost of Funds | 2.82% | 1.88% | +0.94% | 8th bottom |
| Net Interest Spread | 3.99% | 3.32% | +0.67% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 341.05% | 1539.05% | -1198.00% | 63rd above |
| Texas Ratio | 2.87% | 7.33% | -4.46% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.58% | 19.51% | -9.93% | 1st bottom |
| Tier 1 Ratio | 9.58% | 19.54% | -9.96% | 1st bottom |
| Total Capital Ratio | 10.66% | 20.63% | -9.97% | 1st bottom |
| Leverage Ratio | 7.36% | 12.14% | -4.78% | 1st bottom |
| Equity / Assets | 7.28% | 11.38% | -4.10% | 8th bottom |
| TCE / Tangible Assets | 7.28% | 11.09% | -3.81% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.62% | 80.63% | +18.99% | 12th bottom |
| Core Deposit Ratio | 86.26% | 86.86% | -0.60% | 35th below |
| Wholesale Funding Ratio | 3.37% | 5.03% | -1.66% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.29% | 6.85% | +0.44% | 71st above |
| Loan Growth (Y/Y) | 8.38% | 7.90% | +0.48% | 67th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.08% | 6.29% | -0.21% | 65th above |
See SSB Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock SSB Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full SSB Community Bank profile, how to read a UBPR, or how this data updates.