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SSB Community Bank

Strasburg, OH · Cert 29858 · Strasburg Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

79

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

SSB Community Bank

Strasburg, OH · Cert 29858 · Strasburg Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$296.8MAssets
$261.3MLoans
$262.3MDeposits
$21.6MEquity
Loan mix
88%RE $224.2M11%C&I $28.5M1%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $238.2M9%Noninterest $24.1MQ2 2025Q2 2026

NIM

6.04%Q2 ’246.68%Q2 ’256.62%Q2 ’26+21%+6%

Non-interest income vs. expense

2.17%Q2 ’242.33%Q2 ’252.44%Q2 ’26+9%+4%

Executive Summary

  • Earnings: ROA of 1.57%, up 24 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.14% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.36%, down 5 bps from a year ago.
  • Funding: loans stand at 99.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%+24 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+22 bps YoY

Efficiency Ratio (YTD, annualized)

55.19%-74 bps YoY

Tier 1 Leverage Ratio

7.36%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.35%1.37%1.51%1.57%+24 bps
Return on Equity18.47%18.85%19.11%21.11%21.78%+330 bps
Net Interest Margin3.90%3.88%3.87%4.13%4.13%+22 bps
Efficiency Ratio55.93%55.13%55.98%55.43%55.19%-74 bps
Non-Interest Burden2.06%2.00%2.03%2.17%2.15%+9 bps
Growth
Asset Growth (YoY)10.89%7.70%7.78%8.63%7.29%-360 bps
Loan Growth (YoY)13.10%12.95%11.07%9.96%8.38%-472 bps
Deposit Growth (YoY)7.50%3.66%7.49%8.29%6.08%-141 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.06%0.22%0.22%0.14%-3 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans0.86%0.91%0.93%0.92%0.90%+4 bps
Allowance Coverage of NPLs4.9x14.9x4.3x4.1x6.4x+1.4x
Capital
Tier 1 Leverage Ratio7.42%7.30%7.13%7.21%7.36%-5 bps
Total Risk-Based Capital10.73%10.82%10.79%10.68%10.66%-6 bps
Equity / Assets7.24%7.15%7.22%7.12%7.28%+4 bps
Liquidity & Funding
Loans / Deposits97.51%97.82%96.07%97.91%99.62%+211 bps
Liquid Assets / Assets8.37%8.75%7.60%8.37%8.02%-35 bps
CRE / Total Capitaln/a406%400%415%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

SSB Community Bank

Strasburg, OH · Cert 29858 · Peer group: banks under $1B in assets in OH (n=68-71) · Strasburg Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$296.8MAssets
$261.3MLoans
$262.3MDeposits
$21.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: tier 1 capital ratio trails 92% of banks under $1B in assets in OH (rank 65 of 71).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.53%

Rank 13 of 71

Net Interest Margin

4.13%

Rank 16 of 71

Efficiency Ratio

55.19%

Rank 16 of 71

Equity / Assets

7.28%

Rank 64 of 71

Non-interest income vs. expense

$0.8M$7.1MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 79% of banks under $1B in assets in OH
Bank 55.19%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.62%1.02%1.39%Beats 82%13 / 71
Return on Equity21.04%5.62%10.07%13.60%Beats 96%3 / 71
Net Interest Margin4.13%2.93%3.56%4.07%Beats 77%16 / 71
Efficiency Ratio55.19%55.94%70.77%78.80%Beats 79%16 / 71
Asset Quality
Nonperforming Loans / Loans0.14%0.08%0.27%0.97%Beats 66%24 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio9.58%11.18%13.77%20.34%Beats 8%65 / 71
Total Risk-Based Capital Ratio10.66%12.08%14.34%21.24%Beats 14%61 / 71
Equity / Assets7.28%8.41%10.74%13.32%Beats 10%64 / 71
Liquidity & Funding
Loans / Deposits99.62%64.48%76.81%87.49%90th pctl7 / 68
Loans / Assets88.03%55.33%65.58%72.51%97th pctl2 / 71
Brokered Deposits / Depositsn/aNot reported for this institution