SSB Bank: how it compares with its peers
Against 58 OK banks with half to twice its assets, SSB Bank's strongest measure in Q2 2026 is net interest margin (4.05% vs. a 4.38% peer median). Its weakest relative measure is efficiency ratio (91.46% vs. 58.70%).
| Measure | SSB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.03% | 1.48% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.05% | 4.38% | Middle third Ahead of 34% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 91.46% | 58.70% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.1M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.25% | 73.10% | Context |
What it means for lending operations
Its efficiency ratio of 91.46% is above the 58.70% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- SNB Bank, National Association Shattuck, OK · $129M
- FNB Coweta Coweta, OK · $128M
- ACB Bank Cherokee, OK · $135M
- Cleo State Bank Cleo Springs, OK · $123M
- The First Bank of Okarche Okarche, OK · $137M
- Security First National Bank of Hugo Hugo, OK · $138M
Questions about SSB Bank
How big is SSB Bank?
SSB Bank, established in 1950, is headquartered in Spiro, OK. It reported $130M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is SSB Bank's return on assets?
0.03% annualized in Q2 2026, against a 1.48% median for 58 OK banks with half to twice its assets, ahead of 5% of them.
What is SSB Bank's efficiency ratio?
91.46% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 58.70%, and lower is better.
Is SSB Bank growing its loans?
Net loans grew 81.3% over the year to Q2 2026, while deposits grew 28.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.