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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Strasburg, OH · FDIC certificate #29858
SSB COMMUNITY BANK is an FDIC-insured institution based in Strasburg, OH (FDIC certificate #29858). In its Q3 2026 Call Report it reported total assets of $322M, total deposits of $271M and net loans of $275M. Its primary federal regulator is FDIC.
Plain-language readout
SSB COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $322M in Q3 2026 and were lowest at $289M in Q1 2026.
Total deposits were highest at $271M in Q3 2026 and lowest at $259M in Q1 2026.
Over the whole period total assets rose 11.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $322M | $271M | $275M | 1.95% | 27.13% | 4.37% |
| Q2 2026 | $297M | $262M | $259M | 1.57% | 21.78% | 4.39% |
| Q1 2026 | $289M | $259M | $251M | 1.51% | 21.11% | 4.33% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $25.4M | $25.6M | -$145K | -0.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $258.9M | $251.5M | +$7.5M | +3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.7M | $7.8M | -$81K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.7M | $4.3M | +$385K | +8.9% |
| Total assets | $296.8M | $289.2M | +$7.6M | +2.6% |
| Liabilities | ||||
| Total deposits | $262.3M | $259.2M | +$3.0M | +1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.0M | $7.0M | +$3.0M | +42.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.9M | $2.3M | +$576K | +24.6% |
| Total liabilities | $275.2M | $268.6M | +$6.6M | +2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $37K | $37K | $0K | 0.0% |
| Surplus | $5.2M | $5.1M | +$146K | +2.9% |
| Retained earnings | $16.4M | $15.5M | +$851K | +5.5% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.6M | $20.6M | +$997K | +4.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $368K | $571K | -$203K | -35.6% |
| Adjusted nonperforming assets | $368K | $571K | -$203K | -35.6% |
| Tangible equity plus allowance | $23.9M | $22.9M | +$998K | +4.4% |
| Texas ratio (gross) | 1.54% | 2.49% | -0.95 pts | See points |
| Texas ratio (adjusted) | 1.54% | 2.49% | -0.95 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.87% | 3.91% | -1.04 pts | See points |
| Tier 1 capital to risk-weighted assets | 9.58% | 9.55% | +0.03 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 9.58% | 9.55% | +0.03 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.09% | 1.14% | -0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 10.66% | 10.68% | -0.02 pts | See points |
| Tier 1 leverage (approximate) | 7.36% | 7.21% | +0.15 pts | See points |
| Construction and land loans to total capital | 47.74% | 51.62% | -3.87 pts | See points |
| Commercial real estate to total capital | 198.52% | 198.95% | -0.44 pts | See points |
| Dividend payout, year to date | 31.91% | 35.58% | -3.67 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $226.2M | $223.5M | +$2.8M | +1.2% |
| Non-core funding | $46.0M | $42.8M | +$3.3M | +7.6% |
| Loans to core deposits | 115.49% | 113.59% | +1.90 pts | See points |
| Loans to deposits | 99.62% | 97.91% | +1.71 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 27.36% | 28.13% | -0.77 pts | See points |
| Volatile liabilities | $54.0M | $50.7M | +$3.3M | +6.4% |
| Earnings | ||||
| Earnings before provision, year to date | $2.9M | $1.4M | +$1.5M | +108.0% |
| Earnings before provision, single quarter | $1.5M | $1.4M | +$112K | +8.0% |
| Provision for credit losses, year to date | $25K | $25K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.41% | 7.25% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.17% | 3.16% | +0.01 pts | See points |
| Total interest income to average assets | 6.77% | 6.64% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.18% | 0.18% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.12% | 0.65% | +0.47 pts | See points |
| Cost of time deposits | 3.74% | 3.74% | +0.00 pts | See points |
| Total interest expense to average assets | 2.53% | 2.51% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $322M | $271M | $275M | 1.95% | 27.13% | 4.37% |
| 2026-06-30 | $297M | $262M | $259M | 1.57% | 21.78% | 4.39% |
| 2026-03-31 | $289M | $259M | $251M | 1.51% | 21.11% | 4.33% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $247.2M | 0.04% | 91 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.