Pittsburgh, PA · Cert 30431 · SSB Bcorp MHC
SI · FDIC · 3 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.2% share · #25 of 48 inst. · $0.4B of $209.3B
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 | 0.72% | 0.76% | 0.83% | 1.04% | 1.25% | +52 bps | |
| Return on Equity | 9.34% | 9.95% | 10.77% | 14.46% | 17.29% | +794 bps | |
| Net Interest Margin | 2.60% | 2.61% | 2.76% | 2.93% | 3.17% | +57 bps | |
| Efficiency Ratio | 70.64% | 70.75% | 69.25% | 63.89% | 60.74% | -990 bps | |
| Non-Interest Burden | 1.49% | 1.48% | 1.49% | 1.29% | 1.22% | -28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.11% | 11.63% | 16.11% | 30.18% | 20.36% | +425 bps | |
| Loan Growth (YoY) | 1.63% | 3.65% | 4.81% | 7.14% | 8.57% | +694 bps | |
| Deposit Growth (YoY) | 17.69% | 14.86% | 17.88% | 35.63% | 23.80% | +611 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.24% | 1.87% | 1.33% | 1.64% | 1.64% | +40 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.32% | 0.24% | 0.46% | 0.22% | -3 bps | |
| Allowance / Loans | 1.03% | 0.96% | 1.04% | 1.00% | 1.05% | +2 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.5x | 0.8x | 0.6x | 0.6x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.76% | 7.55% | 7.71% | 7.49% | 7.75% | -1 bps | |
| Total Risk-Based Capital | 12.43% | 12.25% | 12.26% | 13.24% | 12.92% | +49 bps | |
| Equity / Assets | 7.45% | 7.55% | 7.71% | 6.77% | 7.21% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.63% | 86.93% | 88.10% | 73.75% | 76.85% | -1,078 bps | |
| Liquid Assets / Assets | 18.56% | 18.03% | 17.40% | 29.29% | 26.43% | +787 bps | |
| CRE / Total Capital | n/a | 294% | 279% | 277% | n/a | n/a | |