SSB Community Bank: how it compares with its peers
Against 63 OH banks with half to twice its assets, SSB Community Bank's strongest measure in Q2 2026 is return on assets (1.57% vs. a 0.86% peer median). Its weakest relative measure is assets per employee ($7.8M vs. $5.9M).
| Measure | SSB Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.57% | 0.86% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 3.64% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.19% | 72.43% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $5.9M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.73% | 81.17% | Context |
What it means for lending operations
Its efficiency ratio of 55.19% is better than the 72.43% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Pandora Pandora, OH · $299M
- First Federal Savings and Loan Association Newark, OH · $294M
- Somerville Bank Eaton, OH · $291M
- Peoples State Bank New Lexington, OH · $286M
- The Fort Jennings State Bank Fort Jennings, OH · $286M
- Community Savings Caldwell, OH · $285M
Questions about SSB Community Bank
How big is SSB Community Bank?
SSB Community Bank, established in 1924, is headquartered in Strasburg, OH. It reported $297M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is SSB Community Bank's return on assets?
1.57% annualized in Q2 2026, against a 0.86% median for 63 OH banks with half to twice its assets, ahead of 90% of them.
What is SSB Community Bank's efficiency ratio?
55.19% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 72.43%, and lower is better.
Is SSB Community Bank growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 6.1%.
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 OH 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 Ohio bank ranked.