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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.75% | 0.70% | 0.74% | 0.83% | 1.00% | 1.04% | 1.40% | +66 bps | |
| Return on Equity | 9.30% | 9.54% | 8.89% | 9.78% | 11.13% | 13.10% | 14.46% | 20.05% | +1,026 bps | |
| Net Interest Margin | 2.57% | 2.76% | 2.62% | 2.73% | 2.91% | 3.27% | 2.93% | 3.46% | +73 bps | |
| Efficiency Ratio | 70.41% | 71.51% | 70.72% | 70.56% | 70.94% | 65.74% | 63.89% | 58.17% | -1,239 bps | |
| Non-Interest Burden | 1.47% | 1.64% | 1.51% | 1.56% | 1.62% | 1.58% | 1.29% | 1.16% | -39 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 / Loans | 1.47% | 1.55% | 1.26% | 1.24% | 1.87% | 1.33% | 1.64% | 1.64% | +40 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.30% | 0.33% | 0.18% | 0.46% | 0.02% | 0.46% | 0.00% | -18 bps | |
| Allowance / Loans | 1.07% | 1.03% | 1.04% | 1.03% | 0.96% | 1.04% | 1.00% | 1.05% | +2 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.8x | 0.5x | 0.8x | 0.6x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.85% | 8.06% | 7.99% | 7.76% | 7.55% | 7.71% | 7.49% | 7.75% | -1 bps | |
| Total Risk-Based Capital | 11.97% | 12.15% | 12.05% | 12.43% | 12.25% | 12.26% | 13.24% | 12.92% | +49 bps | |
| Equity / Assets | 7.63% | 8.00% | 7.78% | 7.45% | 7.55% | 7.71% | 6.77% | 7.21% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.32% | 99.08% | 93.37% | 87.63% | 86.93% | 88.10% | 73.75% | 76.85% | -1,078 bps | |
| Liquid Assets / Assets | 12.15% | 8.30% | 13.48% | 18.56% | 18.03% | 17.40% | 29.29% | 26.43% | +787 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 279% | 277% | n/a | n/a | |