# SSB BANK
PITTSBURGH, PA · FDIC certificate 30431 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $430.4M | |
| Deposits | $378.5M | |
| Loans and leases | $290.8M | |
| Total equity | $31.0M | |
| Loans / deposits | 76.04% (p37 of band) | 82.04% |
| Liquid assets / assets | 28.20% (p60 of band) | |
| Uninsured deposits / deposits | 27.32% (p56 of band) | 25.97% |
| Brokered deposits | 4.31% | |
| Wholesale funding | 8.73% (p73 of band) | |
| FHLB advances / assets | 4.41% | |
| Tier 1 leverage | 7.75% (p1 of band) | 10.81% |
| Unrealized securities loss / equity | -0.42% (p91 of band) | -8.10% |
| AOCI / equity | 0.25% (p88 of band) | |
| ROA (annualized) | 1.25% (p48 of band) | 1.28% |
| Net interest margin | 3.26% (p18 of band) | 3.91% |
| Efficiency ratio | 60.74% (p48 of band) | |
| Noncurrent loans | 1.64% (p85 of band) | 0.43% |
| Net charge-offs (annualized) | 0.16% (p89 of band) | |
| Reserve coverage of noncurrent | 64.45% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 58.80% (p63 of band) | |
| Auto loans | $9.1M (3.14% of loans; DQ 4.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 23.8% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | losing money |  |
| 2012-06 | 1 |  | capital falling, losing money |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | noncurrent p90 |  |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 3 | loans exceed deposits, capital falling |  |
| 2013-12 | 4 | wholesale funding >15% |  |
| 2014-03 | 3 | noncurrent p90 | capital falling, wholesale funding >15% |
| 2014-06 | 3 | liquid assets <10% | noncurrent p90 |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 2 |  | liquid assets <10%, capital falling |
| 2015-06 | 3 | liquid assets <10% |  |
| 2015-09 | 3 | wholesale funding >15% | liquid assets <10% |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | liquid assets <10% |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 | brokered >10% | capital falling |
| 2017-12 | 4 |  | liquid assets <10% |
| 2018-03 | 5 | liquid assets <10% |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 6 | capital falling |  |
| 2018-12 | 5 |  | liquid assets <10% |
| 2019-03 | 5 |  |  |
| 2019-06 | 6 | NIM <2.5% |  |
| 2019-09 | 6 | noncurrent p90 | capital falling |
| 2019-12 | 5 |  | noncurrent p90 |
| 2020-03 | 4 | capital falling | loans exceed deposits, NIM <2.5% |
| 2020-06 | 5 | NIM <2.5% |  |
| 2020-09 | 3 |  | brokered >10%, capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 6 | loans exceed deposits, capital falling, charge-offs p90 |  |
| 2021-09 | 5 | noncurrent p90 | NIM <2.5%, capital falling |
| 2021-12 | 5 | liquid assets <10% | charge-offs p90 |
| 2022-03 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2022-06 | 2 |  | wholesale funding >15% |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2023-03 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 5 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2024-09 | 2 |  | noncurrent p90, loans exceed deposits, liquid assets <10% |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 1 |  | charge-offs p90, capital falling |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 2 | uninsured deposits leaving | charge-offs p90 |

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

- 2024-11-14 [Pittsburgh’s SSB Bank plans new branch - WPXI](https://news.google.com/rss/articles/CBMingFBVV95cUxNR1NZaDlBNkllVGZESXRDRkpMOE9zckdVdmF0R2d6amprNjBqakVrb3RURUlCZ19DZzRUcjlQUGU5c0VrQ0Rna3otTkF3REgtcmdGcEQ2aklGdEVHeHVjbllYSVlCUnMyZVJyb0g3eUlFRERMeVpQbm5zMHpFMFFhb3ZRY05qck1xV3EzdkFUZHpEVGJycTQ4T2M3RlpkZ9IBsgFBVV95cUxON1BORGItZzI2ZHFCUXB1WVp4WDlTU3NKWmMteTM1amFneU5QYTd4bkJOQ2MxYkJvbXZObWpBWGxpSkpGSWtSWDduaEcyTklYZUkwRnlpaExuQ1lFVjJ3bzczVDJEZkxDOUxlaGVkUkxHV2dJWk5mNGlQaXFHY2dVcFdoUDlhRmJ0VzRXZG1wWXVlTjl4c0wwNHhhcktLc2xsZnFlbVYtSDJ6OV8wd2dndTB3?oc=5) · WPXI
- 2024-12-16 [SSB Bank's next branch in new neighborhood greenlit by state - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNcWlHMTQ1R1RiTUY4dkFnNHFlU2MyZkc0REpLNG1pekpFQW9oY3JaYUU5TVU5MWw4blJYNHpQV2ptMTJzMjBZRVIzb2s0YS1xR09KdkdVVDgzeW50d2NZWDhJcEVxcDR4MXdRb3RhTnNIN1FTRWMwMmFkT0ZBdTEycjJBekplVjE0RFNHeW5fM1podDdpMFoyMHJ5V1g?oc=5) · The Business Journals
- 2025-07-28 [McCandless takes center stage for "How To Rob a Bank" film shoot - CBS News](https://news.google.com/rss/articles/CBMihwFBVV95cUxPd29fbkJweUc1OVJTSEl5WUJRekZWVDFCWW9Rc21uZ25PU0pkZjlQaUVLWm5Mc1JRTWs0bGNCSG5jMTlRUXpYTjdFNW5NNDZWS21XRlpJX3RBaGRWU3Rsbm5Hay16UnhOSEtpV1ZXV0U4YXczd1JRak1KU2FNclV2MWh3QUtqV03SAYwBQVVfeXFMT1BzZ0xEeUJFcmZWSWFUMzh6ZnFPVTVNek9CbzRQa1luci1VWmpXS2lLaUZGSFlnRTdpWVlaOHg5TFAzd0lFSkpNZDFVakg1cVhxM1MyNloxUktkdkx4OGxhWGdyNGRsOUJieHowNzlqSVZwVTJsRV9wbHd5TjQ0X3hrSWh6Mm1kLVZNNXM?oc=5) · CBS News
- 2025-05-21 [SSB Bancorp, Inc. Continues Authorized Stock Repurchase Program - Yahoo Finance](https://news.google.com/rss/articles/CBMiigFBVV95cUxONlpfNXVNV0NZY3RPSmhRWHotQUhmdWlCT3lwUEJZWklZSEtrNWpuX1RYbjUxazJVV0xGalZVSzRiMGRHSWpqVm9NeUZEaFE5Nlg1RW9veFdVYUUyWnJSSzNDekNQa1hId0wxbmM2OGZZNF8tVFZaeWdZZFh3cThhOE8tSUpUckJBVkE?oc=5) · Yahoo Finance
- 2019-12-17 [High banking costs hold back marijuana industry - WITF](https://news.google.com/rss/articles/CBMihwFBVV95cUxOcU42ZlRWcDdsazVFNmo3WURJeVZhUGsxUF9mdlVuMjJtWDB0NXR6TmRzMF9KVUhhdGdoYVcyQlVFaUo1UVZvSjNXb1hBdzZ2QmtNSmVETmg4ZWtVM2M0RWFYWVJZVGZtMEhkS3JZNXExU1dSc0pDbkYtYkkwTGR5WVdsTEhIbnM?oc=5) · WITF
- 2025-04-25 [Ssb Bancorp (SSBP) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE4xS3NRUmoyb0VMT2Q1UlBkTmM4VU5pV0hWRlBWTW9OY25yMWxHRVFFQ1ZsbWVTWTBvWWZvVmhwRFA3WDFwQlZTODhnZHRHc2l2TXJr?oc=5) · Stock Titan
- 2025-08-17 ["How To Rob a Bank" actor Nicholas Hoult visits the sidelines of Steelers' preseason game - CBS News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQYlJsTjdtblN3LVBxTnBZWjhOeEJwUlo4S1J5dlVBRE9IUi1LOThJaXpZVmlpLUxvUzJOQnpRSlRfYXJ1elVJOGlIVzFvZTVmd25ObGFvWVhGd1ExWHRnWEtlcFA3Rk1LV3ZXZGRINVpuNkRNMzMxM0taUnBTR29fMmtqVzQ3aGczQTVOM19HNHFJd0ItXzZ5SWpaTk80d0XSAaQBQVVfeXFMT215NDFFTjNHVXF3LWZtcndaVVYzcHZTd0FVOUJFOGJGY0FhSDVBUml2NktobzdZRTBfVElSekk5WjJoRUE2TUtaT09qQ1d0amF5SGpoVjdfTmplc25CblpUbUpyc2VXYjVPYXF4TUp5Q2hzU1B6Ty1OSGFSRUhmek1za1VvUEpudURqT09HLUVNV241ZlFIYXlZMFdJNVludkU2Z0Q?oc=5) · CBS News
- 2014-08-19 [Renowned lawyer, SSB bank director Ekow Awoonor has died - Modern Ghana](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZk9sQWI5OWgyMmpnblVzYVlCOTM1THE5aEFsUU9KalZzb1dFcjhfR09KZ0FxQ01UTTBINjB1QVM0aUU1ZnA3V21tZWdnX1A0dC04elpudVZUUzhzcEdtSjNWVVIxdExTNV9Pc3psVWx1Ym1Vb29lY25ody0yVURNMWVxZ1NSbXFZZnNoM0xpU2lJMU05VWs1LUxHY3hFLWs3UkHSAaABQVVfeXFMUE4ybnY1MHhrRzVSOV80aW1iMU14NjZIZDRtYnpLeldjQVdPY3BOTjQ5SVJvaGtvQjNZVDlyRGFpUDdhbjdFVGxXd2NnaElYdl9LdDVHSFpOdEFSc3pjRHFGTDBBeGRDanBYUFdRRWJDT05ia096YUNRb1gtSnZWX2tXZTdNQUxuWDR2ZVg1dWVQbW8xYVRmY1Q3OFJnVEU5NA?oc=5) · Modern Ghana

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30431 (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/31.json (key "30431", 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