SSB Bank: how it compares with its peers
Against 41 PA banks with half to twice its assets, SSB Bank's strongest measure in Q2 2026 is return on assets (1.25% vs. a 0.80% peer median). Its weakest relative measure is net interest margin (3.26% vs. 3.35%).
| Measure | SSB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 0.80% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.26% | 3.35% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.74% | 68.42% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $7.4M | Top third Ahead of 76% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.04% | 82.16% | Context |
What it means for lending operations
Its efficiency ratio of 60.74% is better than the 68.42% 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
- Marion Center Bank Indiana, PA · $425M
- The Bank of Landisburg Landisburg, PA · $417M
- Fleetwood Bank Fleetwood, PA · $416M
- Hometown Bank of Pennsylvania Bedford, PA · $454M
- United Savings Bank Philadelphia, PA · $461M
- Elderton State Bank Elderton, PA · $465M
Questions about SSB Bank
How big is SSB Bank?
SSB Bank, established in 1922, is headquartered in Pittsburgh, PA. It reported $430M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is SSB Bank's return on assets?
1.25% annualized in Q2 2026, against a 0.80% median for 41 PA banks with half to twice its assets, ahead of 78% of them.
What is SSB Bank's efficiency ratio?
60.74% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 68.42%, and lower is better.
Is SSB Bank growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 23.8%.
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 PA 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 Pennsylvania bank ranked.