BlastPoint's Banking Scorecard
SSB Community Bank
Micro
Specialty: Commercial
OH
FDIC cert 29858
Designations: ✓ Community bank
Strasburg, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
SSB Community Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.88% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$282.5M
+7.8% YoY
-0.5% QoQ
|
+$65.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$247.5M
+10.9% YoY
+0.9% QoQ
|
+$108.3M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$260.1M
+7.5% YoY
+2.8% QoQ
|
+$76.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.37%
+45.8% YoY
+1.5% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
4.26%
+22.6% YoY
+1.9% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
55.98%
-9.7% YoY
+1.5% QoQ
|
-11.75% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.22%
-90.2% YoY
+261.3% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
95.17%
+3.2% YoY
-1.8% QoQ
|
+20.64% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.51%
-2.9% YoY
-3.6% QoQ
|
-14.88% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-89.9% YoY
+266.4% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
9.64%
+1.0% YoY
-0.5% QoQ
|
+0.79% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
+3.5% YoY
+42.5% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Non-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Why this stands out
Current:
7.51%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Total Loans
Current: $247.5M · Tier avg: $139.2M
79
79th pctile
Efficiency Ratio
Current: 55.98% · Tier avg: 67.73%
73
73th pctile
Total Deposits
Current: $260.1M · Tier avg: $183.7M
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
69
69th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
68
68th pctile
Total Assets
Current: $282.5M · Tier avg: $217.5M
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.64% · Tier avg: 8.85%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.17% · Tier avg: 74.53%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.51% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.51% · Tier avg: 22.39%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.17% · Tier avg: 74.53%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.64% · Tier avg: 8.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
68
68th pctile
Total Assets
Current: $282.5M · Tier avg: $217.5M
69
69th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
73
73th pctile
Total Deposits
Current: $260.1M · Tier avg: $183.7M
79
79th pctile
Efficiency Ratio
Current: 55.98% · Tier avg: 67.73%
84
84th pctile
Total Loans
Current: $247.5M · Tier avg: $139.2M