Miami, OK · Cert 9881 · SSB Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.27% | 1.03% | 1.06% | 0.99% | 1.02% | 1.20% | 1.20% | +15 bps | |
| Return on Equity | 18.98% | 16.21% | 13.31% | 13.57% | 12.62% | 13.01% | 14.97% | 15.31% | +174 bps | |
| Net Interest Margin | 3.69% | 3.67% | 3.91% | 3.96% | 3.99% | 4.05% | 4.34% | 4.17% | +21 bps | |
| Efficiency Ratio | 68.08% | 70.29% | 67.20% | 64.59% | 63.54% | 64.36% | 61.62% | 61.42% | -318 bps | |
| Non-Interest Burden | 2.33% | 2.41% | 2.44% | 2.38% | 2.35% | 2.42% | 2.43% | 2.36% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.32% | 5.88% | 3.28% | 6.64% | 0.80% | 3.09% | 4.89% | 10.54% | +390 bps | |
| Loan Growth (YoY) | 15.73% | 8.50% | 6.31% | 9.04% | 1.00% | 3.04% | 8.86% | 11.75% | +271 bps | |
| Deposit Growth (YoY) | 11.45% | 9.87% | 5.35% | 4.23% | 4.63% | -0.89% | 2.89% | 10.23% | +600 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.04% | 0.14% | 0.26% | 1.07% | 0.89% | 1.43% | 1.41% | +115 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.02% | 0.01% | 0.13% | 0.09% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.13% | 1.23% | 1.27% | 1.33% | 1.48% | 1.50% | 1.53% | 1.52% | +19 bps | |
| Allowance Coverage of NPLs | 6.1x | 28.7x | 9.3x | 5.1x | 1.4x | 1.7x | 1.1x | 1.1x | -4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 8.23% | 8.62% | 8.32% | 8.32% | 8.31% | 8.63% | 8.04% | -27 bps | |
| Total Risk-Based Capital | 11.45% | 11.41% | 11.82% | 11.32% | 11.55% | 11.51% | 11.57% | 10.90% | -43 bps | |
| Equity / Assets | 7.83% | 7.55% | 7.97% | 7.82% | 7.97% | 7.96% | 8.10% | 7.54% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.59% | 89.87% | 89.47% | 93.25% | 87.45% | 93.43% | 94.66% | 94.55% | +129 bps | |
| Liquid Assets / Assets | 0.62% | 0.63% | 0.69% | 0.70% | 0.84% | 0.78% | 0.80% | 0.76% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 418% | 414% | 409% | n/a | n/a | |