BlastPoint's Banking Scorecard
SSB Bank
Micro
Specialty: Commercial
PA
FDIC cert 30431
Designations: ✓ Community bank
Pittsburgh, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
SSB Bank shows strong momentum with 1 strength and 16.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.79% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$368.1M
+16.1% YoY
+1.2% QoQ
|
+$150.6M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$277.9M
+4.8% YoY
+2.2% QoQ
|
+$138.7M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$318.8M
+17.9% YoY
+0.9% QoQ
|
+$135.1M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
0.83%
+11.7% YoY
+8.3% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.10%
+6.4% YoY
+5.0% QoQ
|
-0.75% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
69.25%
-2.2% YoY
-2.1% QoQ
|
+1.52% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
1.35%
-14.1% YoY
-28.6% QoQ
|
+0.71% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
87.19%
-11.1% YoY
+1.3% QoQ
|
+12.66% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
27.52%
+22.0% YoY
+10.6% QoQ
|
+5.13% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
1.61%
-0.8% YoY
-20.2% QoQ
|
+1.16% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
11.05%
+1.4% YoY
-0.4% QoQ
|
+2.20% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
1.35%
+27.5% YoY
+42.9% QoQ
|
+0.79% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.35%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
95
95th pctile
Non-Interest Income / Assets
Current: 1.35% · Tier avg: 0.56%
89
89th pctile
Total Loans
Current: $277.9M · Tier avg: $139.2M
84
84th pctile
Total Deposits
Current: $318.8M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $368.1M · Tier avg: $217.5M
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.52% · Tier avg: 22.39%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.05% · Tier avg: 8.85%
42
42th pctile
Efficiency Ratio
Current: 69.25% · Tier avg: 67.73%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.19% · Tier avg: 74.53%
21
21th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.64%
19
19th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.85%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.61% · Tier avg: 0.45%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.61% · Tier avg: 0.45%
19
19th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.85%
21
21th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.64%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.19% · Tier avg: 74.53%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
42
42th pctile
Efficiency Ratio
Current: 69.25% · Tier avg: 67.73%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.05% · Tier avg: 8.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.52% · Tier avg: 22.39%
83
83th pctile
Total Assets
Current: $368.1M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $318.8M · Tier avg: $183.7M
89
89th pctile
Total Loans
Current: $277.9M · Tier avg: $139.2M
95
95th pctile
Non-Interest Income / Assets
Current: 1.35% · Tier avg: 0.56%