# SSB COMMUNITY BANK
STRASBURG, OH · FDIC certificate 29858 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $296.8M | |
| Deposits | $262.3M | |
| Loans and leases | $261.3M | |
| Total equity | $21.6M | |
| Loans / deposits | 98.73% (p90 of band) | 73.59% |
| Liquid assets / assets | 8.57% (p2 of band) | |
| Uninsured deposits / deposits | 11.46% (p19 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.37% (p66 of band) | |
| FHLB advances / assets | 3.37% | |
| Tier 1 leverage | 7.36% (p1 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.57% (p71 of band) | 1.17% |
| Net interest margin | 4.39% (p72 of band) | 3.93% |
| Efficiency ratio | 55.19% (p23 of band) | |
| Noncurrent loans | 0.14% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 636.68% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 53.16% (p81 of band) | |
| Auto loans | $694,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 3 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 | loans exceed deposits | assets shrinking |
| 2013-09 | 2 | capital falling | reserve under noncurrent, deposits shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | loans exceed deposits |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 3 | reserve under noncurrent |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | reserve under noncurrent |
| 2017-09 | 2 | liquid assets <10% | capital falling |
| 2017-12 | 2 | reserve under noncurrent | liquid assets <10% |
| 2018-03 | 1 |  | reserve under noncurrent |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | loans exceed deposits |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | reserve under noncurrent |  |
| 2022-09 | 0 |  | reserve under noncurrent |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 1 | uninsured deposits leaving | capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | liquid assets <10% |  |
| 2023-12 | 4 | loans exceed deposits, capital falling |  |
| 2024-03 | 2 |  | loans exceed deposits, capital falling |
| 2024-06 | 0 |  | uninsured deposits leaving, liquid assets <10% |
| 2024-09 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 3 | liquid assets <10% |  |
| 2025-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2025-09 | 2 | uninsured deposits leaving |  |
| 2025-12 | 2 | capital falling | uninsured deposits leaving |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-07-16 [SSB Community Bank to spend $2.9M on expansion - Times Reporter](https://news.google.com/rss/articles/CBMinwFBVV95cUxQb29iU1dLN2dPRWJqQ0ljZmtDUXBGcjlrSlExejR6c3VLTXM3Z3FWNWNhWFd3ckJqMGdsUmk3a19GR3FORkJraUVHOUx0cS15Z1ZNZ2p2b2FnUjdwaWVaejhjOGNCZzlCRklEeEJMU2JYaGs2TVFOOUVVV2lHUmtsNlBPSXJEWjdQQjk4aXBGTjg1SjRtRTJlNGtoR0s0SWs?oc=5) · Times Reporter
- 2025-03-28 [Mechanics Bank outsources core banking tech to COCC - fintechfutures.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSzRvUDRMaE5qQ0c2Y21ZenJqaUkzeEVhUmpnd25TOU13YTZsZGk0T2JWbFI1UHJSTEhHb2VJeHhodUxYMl9MZUlESzlFd1VwcVVJUExJVVNRbXpYdUE3dm00OTBWN0JTUVhPeS1mZEdHLVZqTkRIM1F6VzFoR2hOZG1ueUV3ZkROekctQlB2WWxCREVKVWhYYWZNQTZtTWk0aUJ4Ry11LXlfQQ?oc=5) · fintechfutures.com
- 2025-10-01 [Strasburg council buys land for housing development - Your Ohio News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNd3VSaTZ6dG1SMzNfMUtGQ1M2a1BGWWw2VlJmYzkxZ1k4ZG96ekNTSTRLS3JZcGxNcWtxZTNsTzBBaG5jcUl6OHZZMm9lNW9qVm5rZWIzb09CTmFubnZzdG1wVzY5eDlhQzJ0bTZieUFwV2tRdzQ0NWViSmVZczRkMFpoaWc4bUlKSDVvajlnOGVRanZJZF95emdtOHl3SXAxXzZJRlkyODA?oc=5) · Your Ohio News
- 2020-03-09 [Woodbury building sold at auction for $420,000 - Coshocton Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxQaDZYNXByOWxwVksyY0Z1TjQtUkltTUU0VW1wQUVlaTl4VGNmc3lOV1dXMUtZbDl0Y3dGTWZwYUlSSWRpbElkNHBwZmtFeGs5aWhvODJ0WDY5N0pWeW1RckhZb29mYlNDTzNpU2o5NDVUd1p3TlpwaHJiNms4aWVpel9tNTVzcnkxTks4UWJ1bzlPY2h3dHNkd05TdS1LNzZYMHN3bHp3?oc=5) · Coshocton Tribune
- 2020-11-23 [Damage at Strasburg bank expected to be repaired this week. - Times Reporter](https://news.google.com/rss/articles/CBMirAFBVV95cUxNQmV0RTRGSzZ3Sk5SVU5qb2FkQzRlUG1BUm8xYlNNRGhUcE04Zi1SeUxDOTZpcWhqUDVXYjg4SHVDclBTcUdocndwTjJxa3ZCdXRWUW9lV0ZrbGUwd1RQSFFZbnVOeXM4U24wRXZMZ0Q1bjNyd2JpeXY3M3NZMDRMdXZmZjVfUzEtcVRVQ2RWRUVWTGl1TUFjVmZqc1RQbWJKZjNwV1NMVXhDc3hR?oc=5) · Times Reporter
- 2023-05-03 [Strasburg Council discusses safety of crosswalk - Times Reporter](https://news.google.com/rss/articles/CBMiugFBVV95cUxNaUFUQ0dDNUZURFd0RXFNUHpvRERab19vUzRsWGU2YkE5bzBGY0VJOVMwN1lBcGtlQmZJYlVub0t0R3lQdHc3Q25ZLXNsV1VvbC0wN3dMRE0wVklHVDdobHJhdVdZU2VtSHI1QUhBdzZJMWJuTHh4dklJTG1kME9QNnRHODdoUXhZWXpWZTZ4RWhXNlp3OFZlVUd1LTBUa2VUaVNQS1dmZFNTMmt3di1EaGtaaHh1a2dyUnc?oc=5) · Times Reporter
- 2021-03-03 [Strasburg Village Council meeting notes. - Times Reporter](https://news.google.com/rss/articles/CBMipgFBVV95cUxNcnZOVFhLcUNKaHlXUzVsT0cwNU9BcWdJUnF2RXVOX1JldG41WTlsaGpQOEJ4eE5KVk4zc0F1SGRfbjhlNWJuUjZ1emFzeEJpVmQ1RC1RT3lNdWRVUXlrRmdmR19oREc5TEpzX0JNSXVYbFBCVVNjeXNoTjZ3WUVkXy1RQ0NtWjdRakwwdklVaEV2ejE3a3dIdGx3SzhLOGxOYmZXU293?oc=5) · Times Reporter
- 2014-06-28 [Mr. and Mrs. Larry L. Kaser - Times Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNDlUYmdlYU92MlB6QkNYYWZDQjVRd2xyRktfWFMyN2ozcHZUdGlkdHg1ZFBSTGJXOEcxYVNldGZ4QnQtakZKX3VHYnowczkxUldLNEVLSGVpamRwTE5jOTg3aDlwVk5YYV9KWlZ3c2FXLUtRWHN2LXNKRVpMR29FR1dTVTNNMUhVc18tUFZTWm40a1hfMmw5YjBQb0lCa2pLRGdoMUE1NEpCRkM3ZVBMY0hZZU5Ydw?oc=5) · Times Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29858 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "29858", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide