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SSB Bank

Pittsburgh, PA · Cert 30431 · SSB Bcorp MHC

SI · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

70

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 Bank

Pittsburgh, PA · Cert 30431 · SSB Bcorp MHC

SI · FDIC · 3 branches

Q2 2026

$430.4MAssets
$290.8MLoans
$378.5MDeposits
$31.0MEquity
Loan mix
80%RE $226.3M16%C&I $46.6M3%Consumer $9.8MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $289.5M24%Noninterest $88.9MQ3 2024Q2 2026

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.2% share · #25 of 48 inst. · $0.4B of $209.3B

Executive Summary

  • Earnings: ROA of 1.25%, up 52 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 1.64% of loans (+40 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 7.75%, down 1 bps from a year ago.
  • Funding: loans stand at 76.85% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.25%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+57 bps YoY

Efficiency Ratio (YTD, annualized)

60.74%-990 bps YoY

Tier 1 Leverage Ratio

7.75%-1 bps YoY

NIM

5.13%Q2 ’245.05%Q2 ’254.96%Q2 ’26-5%+22%

Non-interest income vs. expense

2.63%Q2 ’242.67%Q2 ’253.03%Q2 ’26-9%-19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.74%0.70%0.72%0.76%0.83%1.04%1.25%+52 bps
Return on Equity9.51%9.52%8.89%9.34%9.95%10.77%14.46%17.29%+794 bps
Net Interest Margin2.65%2.68%2.62%2.60%2.61%2.76%2.93%3.17%+57 bps
Efficiency Ratio70.57%70.82%70.72%70.64%70.75%69.25%63.89%60.74%-990 bps
Non-Interest Burden1.56%1.59%1.51%1.49%1.48%1.49%1.29%1.22%-28 bps
Growth
Asset Growth (YoY)12.13%7.53%8.56%16.11%11.63%16.11%30.18%20.36%+425 bps
Loan Growth (YoY)14.68%9.94%2.79%1.63%3.65%4.81%7.14%8.57%+694 bps
Deposit Growth (YoY)12.14%10.14%9.61%17.69%14.86%17.88%35.63%23.80%+611 bps
Asset Quality
Nonperforming Loans / Loans1.47%1.55%1.26%1.24%1.87%1.33%1.64%1.64%+40 bps
Net Charge-Offs / Loans0.01%0.08%0.33%0.25%0.32%0.24%0.46%0.22%-3 bps
Allowance / Loans1.07%1.03%1.04%1.03%0.96%1.04%1.00%1.05%+2 bps
Allowance Coverage of NPLs0.7x0.7x0.8x0.8x0.5x0.8x0.6x0.6x-0.2x
Capital
Tier 1 Leverage Ratio7.85%8.06%7.99%7.76%7.55%7.71%7.49%7.75%-1 bps
Total Risk-Based Capital11.97%12.15%12.05%12.43%12.25%12.26%13.24%12.92%+49 bps
Equity / Assets7.63%8.00%7.78%7.45%7.55%7.71%6.77%7.21%-25 bps
Liquidity & Funding
Loans / Deposits96.32%99.08%93.37%87.63%86.93%88.10%73.75%76.85%-1,078 bps
Liquid Assets / Assets12.15%8.30%13.48%18.56%18.03%17.40%29.29%26.43%+787 bps
CRE / Total Capitaln/an/an/an/a294%279%277%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 Bank

Pittsburgh, PA · Cert 30431 · Peer group: banks under $1B in assets (n=581-629) · SSB Bcorp MHC

SI · FDIC · 3 branches

Q2 2026

$430.4MAssets
$290.8MLoans
$378.5MDeposits
$31.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks under $1B in assets (rank 77 of 629).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets (rank 587 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.19%

Rank 245 of 629

Net Interest Margin

3.17%

Rank 435 of 629

Efficiency Ratio

60.74%

Rank 189 of 629

Equity / Assets

7.21%

Rank 587 of 629

Non-interest income vs. expense

$7.3M$12.1MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 70% of banks under $1B in assets
Bank 60.74%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%0.60%1.01%1.45%Beats 61%245 / 629
Return on Equity16.50%5.38%9.30%13.28%Beats 88%77 / 629
Net Interest Margin3.17%3.03%3.54%4.05%Beats 31%435 / 629
Efficiency Ratio60.74%58.35%67.79%79.08%Beats 70%189 / 629
Asset Quality
Nonperforming Loans / Loans1.64%0.09%0.46%1.20%Beats 17%486 / 581
Net Charge-Offs / Loans0.11%n/a0.01%0.06%Beats 17%485 / 581
Capital
Tier 1 Capital Ratio11.68%11.24%13.84%18.77%Beats 30%443 / 629
Total Risk-Based Capital Ratio12.92%11.58%14.43%19.66%Beats 38%392 / 629
Equity / Assets7.21%9.09%10.65%13.80%Beats 7%587 / 629
Liquidity & Funding
Loans / Deposits76.85%67.24%80.90%93.48%44th pctl333 / 594
Loans / Assets67.57%53.31%67.71%78.15%49th pctl318 / 629
Brokered Deposits / Depositsn/aNot reported for this institution