Southern States Bank
Anniston, AL · Cert 58558 · Peer group: banks $1B-$10B in assets (n=276-281)
FDIC · 15 branches
Q2 2025
$2.9BAssets
$2.3BLoans
$2.5BDeposits
$365.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 85% of banks $1B-$10B in assets (rank 41 of 281).
- Widest gap: return on equity trails 97% of banks $1B-$10B in assets (rank 272 of 281).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.04%
Rank 272 of 281
Net Interest Margin
3.78%
Rank 59 of 281
Efficiency Ratio
74.11%
Rank 239 of 281
Equity / Assets
12.71%
Rank 41 of 281
Non-interest income vs. expense
Unfavorable gap of $77.9M · efficiency ratio beats 15% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.04% | 0.77% | 1.02% | 1.33% | Beats 3% | 272 / 281 | |
| Return on Equity | 0.31% | 7.72% | 10.62% | 12.88% | Beats 3% | 272 / 281 | |
| Net Interest Margin | 3.78% | 2.81% | 3.17% | 3.70% | Beats 79% | 59 / 281 | |
| Efficiency Ratio | 74.11% | 55.15% | 61.68% | 69.37% | Beats 15% | 239 / 281 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.19% | 0.46% | 0.92% | Beats 52% | 134 / 276 | |
| Net Charge-Offs / Loans | 0.34% | 0.01% | 0.03% | 0.10% | Beats 8% | 255 / 276 | |
| Capital |
| Tier 1 Capital Ratio | 12.94% | 11.36% | 12.79% | 14.74% | Beats 54% | 129 / 281 | |
| Total Risk-Based Capital Ratio | 13.88% | 12.23% | 13.67% | 15.73% | Beats 53% | 132 / 281 | |
| Equity / Assets | 12.71% | 8.81% | 10.01% | 11.54% | Beats 85% | 41 / 281 | |
| Liquidity & Funding |
| Loans / Deposits | 93.51% | 77.25% | 87.32% | 94.80% | 71st pctl | 79 / 276 | |
| Loans / Assets | 80.69% | 65.89% | 74.03% | 78.80% | 79th pctl | 58 / 276 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |