South Shore Bank

South Weymouth, MA · Cert 90303 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Charlesbridge MHC

State charter, Fed member · FED · 1 affiliate bank · 13 branches (28 in holding)

Q2 2026

$2.5BAssets

$1.7BLoans

$2.2BDeposits

$242.8MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 67% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 10 of 27).
Widest gap: equity / assets trails 78% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 21 of 27).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.71%

Rank 19 of 27

Net Interest Margin

2.75%

Rank 13 of 27

Efficiency Ratio

69.11%

Rank 15 of 27

Equity / Assets

9.62%

Rank 21 of 27

Unfavorable gap of $45.5M · efficiency ratio beats 48% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.71%	0.48%	0.78%	0.99%	Beats 30%	19 / 27
Return on Equity	7.33%	5.50%	7.06%	8.20%	Beats 56%	12 / 27
Net Interest Margin	2.75%	2.49%	2.70%	3.34%	Beats 52%	13 / 27
Efficiency Ratio	69.11%	59.27%	68.19%	75.85%	Beats 48%	15 / 27
Asset Quality
Nonperforming Loans / Loans	0.24%	0.20%	0.58%	1.15%	Beats 67%	10 / 27
Net Charge-Offs / Loans	0.02%	0.00%	0.01%	0.05%	Beats 41%	17 / 27
Capital
Tier 1 Capital Ratio	13.87%	13.21%	14.69%	16.81%	Beats 37%	17 / 27
Total Risk-Based Capital Ratio	14.77%	13.71%	15.43%	18.07%	Beats 41%	16 / 27
Equity / Assets	9.62%	9.62%	11.14%	13.14%	Beats 22%	21 / 27
Liquidity & Funding
Loans / Deposits	76.75%	91.42%	101.19%	107.11%	7th pctl	25 / 27
Loans / Assets	67.48%	75.31%	80.56%	83.39%	7th pctl	25 / 27
Brokered Deposits / Deposits	n/a	Not reported for this institution