SSB Bank: Financial Reports & UBPR Data
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
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 2.13% and a Texas ratio of 20.33%, according to its call report filed with the FFIEC.
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)
- Offices
- 3 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full SSB Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock SSB Bank, freeSSB Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for SSB Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.68% | 1.51% | 2.13% | 20.33% | 3.61% |
| Q1 2026 | 12.01% | 1.06% | 2.10% | 21.09% | 3.16% |
| Q4 2025 | 11.05% | 0.99% | 1.85% | 18.92% | 3.41% |
| Q3 2025 | 11.10% | 0.83% | 2.49% | 24.37% | 3.03% |
| Q2 2025 | 11.19% | 0.75% | 2.73% | 17.69% | 2.85% |
| Q1 2025 | 10.83% | 0.70% | 2.65% | 18.20% | 2.73% |
| Q4 2024 | 10.90% | 0.75% | 2.16% | 18.29% | 2.85% |
| Q3 2024 | 10.72% | 0.71% | 2.26% | 17.64% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| 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
What the public regulatory sources show for SSB Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 91 of 148 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.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows SSB Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare SSB Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is SSB Bank headquartered?
SSB Bank is headquartered in Pittsburgh, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was SSB Bank founded?
SSB Bank was established in 1922, per the FDIC institution directory.
Is SSB Bank FDIC-insured?
Yes. SSB Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is SSB Bank's CET1 capital ratio?
SSB Bank 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?
SSB Bank 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?
SSB Bank's Texas Ratio is 20.33% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock SSB Bank, freeFree account