| Metric | SSB Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +8.3% | +5.6% | +2.8 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 21.8% | 11.9% | +9.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.8M | $262.3M | $258.9M | $21.6M | $2.3M | 1.57% | 4.39% | 0.12% |
| Q1 2026 | $289.2M | $259.2M | $251.5M | $20.6M | $1.1M | 1.51% | 4.33% | 0.20% |
| Q4 2025 | $282.5M | $260.1M | $247.5M | $20.4M | $3.8M | 1.37% | 4.26% | 0.19% |
| Q3 2025 | $283.9M | $253.0M | $245.2M | $20.3M | $2.8M | 1.35% | 4.18% | 0.05% |
| Q2 2025 | $276.6M | $247.2M | $239.0M | $20.0M | $1.8M | 1.33% | 4.14% | 0.15% |
| Q1 2025 | $266.2M | $239.4M | $228.9M | $19.2M | $622K | 0.94% | 3.63% | 2.00% |
| Q4 2024 | $262.2M | $241.9M | $223.1M | $18.8M | $2.3M | 0.94% | 3.47% | 1.92% |
| Q3 2024 | $263.6M | $244.0M | $217.3M | $18.3M | $1.7M | 0.91% | 3.40% | 1.92% |
Loan mix (Q2 2026): real estate $231.7M · commercial $28.4M · consumer $1.6M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | SSB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 62.9% | 27th |
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 Community 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 Community 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 Community 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 Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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