| Metric | SSB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +35.5% | +4.4% | +31.1 pts |
| Deposit growth (YoY) | +28.5% | +4.0% | +24.5 pts |
| Loan growth (YoY) | +81.3% | +5.6% | +75.8 pts |
| ROA | 0.03% | 1.24% | -1.2 pts |
| ROE | 0.2% | 11.9% | -11.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $129.9M | $104.7M | $86.1M | $24.9M | $21K | 0.03% | 4.04% | 0.06% |
| Q1 2026 | $123.3M | $108.7M | $72.8M | $14.3M | $-85K | -0.28% | 3.77% | 0.04% |
| Q4 2025 | $116.6M | $101.9M | $71.2M | $14.4M | $111K | 0.11% | 4.50% | 0.06% |
| Q3 2025 | $102.1M | $87.4M | $56.9M | $14.4M | $39K | 0.06% | 4.73% | 0.05% |
| Q2 2025 | $95.9M | $81.5M | $47.5M | $14.3M | $125K | 0.28% | 4.94% | 0.13% |
| Q1 2025 | $87.4M | $73.0M | $37.9M | $14.2M | $59K | 0.28% | 5.01% | 0.00% |
| Q4 2024 | $81.0M | $66.9M | $30.2M | $14.0M | $-352K | -0.50% | 4.25% | 0.04% |
| Q3 2024 | $72.7M | $57.9M | $15.1M | $14.7M | $-211K | -0.41% | 3.79% | 0.00% |
Loan mix (Q2 2026): real estate $44.0M · commercial $41.1M · consumer $1.3M · securities $22.2M
| Ratio | SSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 62.9% | 95th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | SSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | SSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | SSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | SSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | SSB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2024) · $81.5M branch deposits. Biggest market: Le Flore, OK, ranked 5th with 7.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Le Flore, OK | 2 | $57.7M | 7.00% | 5th |
| Tulsa, OK | 1 | $23.8M | 0.06% | 61st |
Oklahoma: 182nd with 0.05% · Tulsa metro: 70th, 0.06% ·
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3