BlastPoint's Banking Scorecard

South Shore Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90303

Designations: ✓ Community bank

South Weymouth, MA

13 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +5.1% year over year ($2.2B on the books).
Delinquency rate 0.24%.
Return on assets 0.71%.
Efficiency ratio 68.88% vs a 59.73% peer average.
Loan-to-deposit ratio 76.05% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA

View $1B-$10B leaderboard (MA) →

South Shore Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 37.1% in tier

Key Concerns

Areas that may need attention

- ROA 0.68% below tier average
- Net Interest Margin 1.01% below tier average
- Efficiency Ratio 9.16% above tier average

Get updates when South Shore Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$2.5B +5.3% YoY -1.3% QoQ	-$270.1M	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$1.7B +7.8% YoY +1.4% QoQ	-$276.2M	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$2.2B +5.1% YoY -1.3% QoQ	-$100.6M	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	64%
Return on Assets ?	0.71% +50.2% YoY +2.4% QoQ	-0.68%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 13.7% in tier
Net Interest Margin ?	2.86% +3.7% YoY +1.8% QoQ	-1.01%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 10.5% in tier
Efficiency Ratio ?	68.88% -11.6% YoY +0.2% QoQ	+9.16%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	0.24% -32.5% YoY +11.6% QoQ	-0.63%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	76.05% +2.5% YoY +2.8% QoQ	-8.98%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	19.92% -3.2% YoY -2.5% QoQ	-1.36%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	51%
Nonperforming Asset Ratio ?	0.16% -30.9% YoY +14.7% QoQ	-0.51%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	13.87% -2.2% YoY -0.0% QoQ	-0.97%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.14% +8.0% YoY +127.3% QoQ	-0.38%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	19.9% -0.7pp YoY -0.5pp QoQ	-1.5pp	21.4%	16.2%	22.2%	51%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-9.4pp	9.5%	6.1%	8.5%	4%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	18.4% -0.6pp YoY -0.1pp QoQ	+4.4pp	14.0%	6.5%	12.5%	76%
CRE	56.3% +1.3pp YoY 0.0pp QoQ	+6.3pp	50.0%	40.3%	41.4%	67%
1-4 Family	24.4% -2.2pp YoY -1.2pp QoQ	-2.0pp	26.4%	52.4%	31.3%	53%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-4.4pp	4.7%	1.6%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	13.9% -0.3pp YoY 0.0pp QoQ	-1.7pp	15.6%	16.6%	19.7%	56%
Leverage Ratio	10.1% 0.0pp YoY 0.0pp QoQ	-1.2pp	11.3%	11.5%	12.6%	39%
Total Capital Ratio	14.8% -0.4pp YoY 0.0pp QoQ	-1.9pp	16.7%	17.5%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	226 +5 (+2.3%) YoY +1 (+0.4%) QoQ	-88	313	755	482	47%
Assets per Employee ($)	$11.2M +3.0% YoY -1.7% QoQ	+$683K	$10.5M	$10.7M	$8.8M	73%
Branch Count	13 0 YoY 0 QoQ	-7	20	13	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.8%	1.0%	25%
Allowance Coverage	3.81x +39.9% YoY -9.5% QoQ	-14.90x	18.71x	7.95x	20.23x	71%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	7.4% +2.4pp YoY +0.1pp QoQ	-5.2pp	12.6%	5.6%	11.6%	17%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.9%	2.0%	1.7%	55%
Net Income ($, YTD)	$8.9M +63.4% YoY — QoQ	-$10.3M	$19.2M	$31.7M	$40.4M	34%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#83 of 221 • Top 37.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

204

Nonperforming Asset Ratio

credit_quality

Value: 0.16%

Peer Median: 0.67%

#204 of 885 Top 22.9% in $1B-$10B

221

Loan-to-Deposit Ratio

liquidity

Value: 76.05%

Peer Median: 85.04%

#221 of 885 Top 24.9% in $1B-$10B

221

Delinquency Rate

credit_quality

Value: 0.24%

Peer Median: 0.87%

#221 of 882 Top 24.9% in $1B-$10B

Top Weaknesses (4 metrics)

793

Net Interest Margin

profitability

Value: 2.86%

Peer Median: 3.87%

#793 of 885 Bottom 10.5% in $1B-$10B

765

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.39%

#765 of 885 Bottom 13.7% in $1B-$10B

733

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.53%

#733 of 885 Bottom 17.3% in $1B-$10B

682

Efficiency Ratio

profitability

Value: 68.88%

Peer Median: 59.73%

#682 of 885 Bottom 23.1% in $1B-$10B