TellerScore

SSB Bank is a si headquartered in Pittsburgh, Pennsylvania, in business for about 104 years. At the end of Q2 2026 it reported $430.4M in total assets and $378.5M in deposits, with 3 offices.

SSB Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 104th. Funding & liquidity contributes the most (71/100, 76% loans-to-deposits, 27% uninsured); capital cushion contributes the least (27/100, 7.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Tier 1 leverage ratio: 7.75%
Loan quality45/100
Noncurrent loans ÷ total loans: 1.64%
Earnings70/100
Return on assets (annualized): 1.25%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 76.0% · 27.3% uninsured
Problem-loan coverage59/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 20.33%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (46 → 50), mostly because the funding & liquidity component improved by 28 points.

TellerScore
384450Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202439
Q3 202442
Q4 202442
Q1 202545
Q2 202546
Q3 202538
Q4 202545
Q1 202647
Q2 202650
Tier 1 leverage ratio
5.00%6.53%8.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.86%
Q3 20247.85%
Q4 20248.06%
Q1 20257.99%
Q2 20257.76%
Q3 20257.55%
Q4 20257.71%
Q1 20267.49%
Q2 20267.75%
Noncurrent loans
1.24%1.55%1.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.73%
Q3 20241.47%
Q4 20241.55%
Q1 20251.26%
Q2 20251.24%
Q3 20251.87%
Q4 20251.33%
Q1 20261.64%
Q2 20261.64%
Return on assets
0.70%0.97%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.73%
Q4 20240.74%
Q1 20250.70%
Q2 20250.72%
Q3 20250.76%
Q4 20250.83%
Q1 20261.04%
Q2 20261.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$430.4M7.75%1.64%1.25%76.0%
Q1 202647$434.8M7.49%1.64%1.04%73.0%
Q4 202545$368.1M7.71%1.33%0.83%87.2%
Q3 202538$363.9M7.55%1.87%0.76%86.1%
Q2 202546$357.6M7.76%1.24%0.72%86.7%
Q1 202545$334.0M7.99%1.26%0.70%92.4%
Q4 202442$317.0M8.06%1.55%0.74%98.1%
Q3 202442$326.0M7.85%1.47%0.73%95.3%
Q2 202439$308.0M7.86%1.73%0.75%100.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.75%
1st
Total risk-based capital12.92%
56th
Problem loans1.64%
16th
Net charge-offs0.23%
11th
Return on assets1.25%
50th
Net interest margin3.26%
18th
Efficiency ratio60.7%
55th
Loans to deposits76.0%
58th
Uninsured deposits27.3%
37th
Loan-loss reserves1.05%
33rd
Texas ratio20.3%
6th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Marion Center BankBank Indiana, PA55 out of 100, Moderate$425.2M7.9%1.01%vs
The Bank of LandisburgBank Landisburg, PA80 out of 100, Strong$417.1M17.0%1.61%vs
Fleetwood BankBank Fleetwood, PA63 out of 100, Moderate$415.6M7.8%0.56%vs
Hometown Bank of PennsylvaniaBank Bedford, PA59 out of 100, Moderate$453.9M8.3%1.07%vs
United Savings BankBank Philadelphia, PA89 out of 100, Very strong$460.6M17.4%0.00%vs
Elderton State BankBank Elderton, PA74 out of 100, Strong$465.2M12.1%0.76%vs

Deposit insurance

Is my money safe at SSB Bank?

Yes. SSB Bank is an FDIC-insured institution (FDIC certificate #30431). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.3% of deposits ($103.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.75%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.92% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

SSB Bank lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, SSB Bank reported 131 home-loan applications under HMDA (LEI 54930087BYCGOODQ7P92): 125 originated ($35,935,000 total), 3 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
SSB Bank
Former names
Slovak Savings Bank; Slovak Savings and Loan Association
Type
SI
FDIC certificate #
30431
RSSD ID
277277
Primary regulator
FDIC
Holding company
SSB Bcorp Mhc
Established
January 1, 1922
Headquarters
8700 Perry Hwy, Pittsburgh, PA 15237
Employees
43

Quick answers

SSB Bank: common questions

Is SSB Bank FDIC insured?

Yes. SSB Bank is an FDIC-insured institution (FDIC certificate #30431). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is SSB Bank's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has SSB Bank ever failed?

There is no failure record for FDIC certificate #30431 in the FDIC failed bank list.

How many branches does SSB Bank have?

3 offices as of the latest FDIC data.

Nearby

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