West Des Moines, IA · Cert 248 · SSB Holding Co. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.6% share · #24 of 57 inst. · $0.2B of $38.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.09% | 1.05% | 0.95% | 1.03% | -5 bps | |
| Return on Equity | 11.99% | 12.13% | 11.72% | 11.68% | 12.41% | +42 bps | |
| Net Interest Margin | 3.74% | 3.69% | 3.64% | 3.57% | 3.56% | -18 bps | |
| Efficiency Ratio | 57.02% | 56.69% | 57.65% | 55.58% | 54.39% | -263 bps | |
| Non-Interest Burden | 2.03% | 1.99% | 2.01% | 1.90% | 1.85% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.45% | 11.34% | 8.56% | 33.15% | 12.57% | -188 bps | |
| Loan Growth (YoY) | 17.79% | 13.66% | 5.34% | 4.02% | -1.98% | -1,977 bps | |
| Deposit Growth (YoY) | 14.06% | 12.26% | 8.07% | 39.80% | 17.70% | +364 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.13% | 0.60% | 1.31% | 1.02% | +90 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.33% | 0.86% | 0.53% | +53 bps | |
| Allowance / Loans | 1.63% | 1.66% | 1.67% | 1.61% | 1.67% | +5 bps | |
| Allowance Coverage of NPLs | 13.7x | 12.9x | 2.8x | 1.2x | 1.6x | -12.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.22% | 9.05% | 9.08% | 8.87% | 8.67% | -55 bps | |
| Total Risk-Based Capital | 10.63% | 10.85% | 11.51% | 10.62% | 12.05% | +142 bps | |
| Equity / Assets | 8.96% | 8.99% | 8.82% | 7.52% | 8.64% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 127.46% | 126.69% | 117.38% | 90.17% | 106.16% | -2,131 bps | |
| Liquid Assets / Assets | 4.12% | 3.86% | 8.35% | 25.82% | 16.55% | +1,244 bps | |
| CRE / Total Capital | n/a | 471% | 470% | 446% | n/a | n/a | |