SSB Bancorp, Inc. (SSBP)

SSB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	16.12	15.48	14.5	9.1	8.47	7.53
Interest Income on Investments	3.7	3.11	2.22	-	-	0.76
Total Interest Income	19.82	18.59	16.72	9.1	8.47	8.29
Interest Paid on Deposits	6.76	7.38	7.26	2.41	3.27	2.93
Interest Paid on Borrowings	0.89	0.9	0.81	-	-	0.87
Total Interest Expense	7.64	8.28	8.07	2.41	3.27	3.8
Net Interest Income	12.17	10.31	8.65	6.68	5.2	4.48
Net Interest Income Growth	-	19.20%	29.44%	28.64%	15.84%	8.90%
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.05
Other Non-Interest Income	3.22	1.96	0.81	1.4	2.32	0.32
Total Non-Interest Income	6.47	4.94	3.49	1.4	2.32	0.72
Non-Interest Income Growth	-	41.60%	149.16%	-39.52%	219.95%	57.20%
Revenues Before Loan Losses	18.64	15.25	12.14	8.08	7.51	5.21
Provision for Loan Losses	0.97	0.81	0.5	0.48	0.53	0.17
Revenue	17.68	14.44	11.64	7.61	6.98	5.03
Revenue Growth	-	24.04%	53.09%	8.97%	38.64%	13.69%
Salaries and Employee Benefits	5.69	5.1	4.17	-	-	2.09
Federal Deposit Insurance	0.3	0.27	0.35	-	-	0.16
Amortization of Goodwill & Intangibles	0.59	0.59	0.44	-	-	-
Selling, General & Administrative	2.5	2.54	2.68	-	-	1.61
Other Non-Interest Expense	3.31	2.55	1.34	6.27	5.06	0.56
Total Non-Interest Expense	12.61	11.28	9.16	6.27	5.06	4.49
EBT Excluding Unusual Items	5.06	3.17	2.48	1.34	1.92	0.55
Pretax Income	5.06	3.17	2.48	1.34	1.92	0.55
Income Tax Expense	1.43	0.93	0.59	0.23	0.49	0.11
Net Income	3.64	2.24	1.9	1.11	1.43	0.44
Net Income to Common	3.64	2.24	1.9	1.11	1.43	0.44
Net Income Growth	-	17.98%	71.38%	-22.66%	227.72%	14.70%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	1.38%	-0.39%	-1.83%	0.95%	0.26%	0.38%
EPS (Basic)	1.70	1.05	0.88	0.51	0.66	0.20
EPS (Diluted)	1.68	1.04	0.88	0.50	0.66	0.20
EPS Growth	-	18.18%	76.00%	-23.91%	228.54%	13.68%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Effective Tax Rate	28.18%	29.37%	23.66%	17.40%	25.56%	19.99%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 27, 2026

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