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
Unfavorable gap of $6.3M · efficiency ratio beats 79% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.62% | 1.02% | 1.39% | Beats 82% | 13 / 71 | | |
| Return on Equity | 21.04% | 5.62% | 10.07% | 13.60% | Beats 96% | 3 / 71 | | |
| Net Interest Margin | 4.13% | 2.93% | 3.56% | 4.07% | Beats 77% | 16 / 71 | | |
| Efficiency Ratio | 55.19% | 55.94% | 70.77% | 78.80% | Beats 79% | 16 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.08% | 0.27% | 0.97% | Beats 66% | 24 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 9.58% | 11.18% | 13.77% | 20.34% | Beats 8% | 65 / 71 | | |
| Total Risk-Based Capital Ratio | 10.66% | 12.08% | 14.34% | 21.24% | Beats 14% | 61 / 71 | | |
| Equity / Assets | 7.28% | 8.41% | 10.74% | 13.32% | Beats 10% | 64 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.62% | 64.48% | 76.81% | 87.49% | 90th pctl | 7 / 68 | | |
| Loans / Assets | 88.03% | 55.33% | 65.58% | 72.51% | 97th pctl | 2 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |