BlastPoint's Banking Scorecard
South Shore Bank
Designations: ✓ Community bank
South Weymouth, MA
13 branches across MA
South Shore Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Net Interest Margin 1.01% below tier average
- - Efficiency Ratio 7.69% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+11.7% YoY
+3.4% QoQ
|
-$261.3M |
$2.8B
-0.1% YoY
|
$6.7B
+9.3% YoY
|
$6.2B
+9.0% YoY
|
62% |
| Total Loans ? |
$1.7B
+7.4% YoY
+1.6% QoQ
|
-$302.9M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.7% YoY
|
58% |
| Total Deposits ? |
$2.2B
+11.6% YoY
+3.8% QoQ
|
-$96.6M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.0% YoY
|
65% |
| Return on Assets ? |
0.69%
+73.6% YoY
+2.8% QoQ
|
-0.68% |
1.37%
+19.6% YoY
|
0.55%
+41.3% YoY
|
1.24%
+13.1% YoY
|
16% |
| Net Interest Margin ? |
2.81%
+2.1% YoY
-1.2% QoQ
|
-1.01% |
3.82%
+6.9% YoY
|
3.01%
+9.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio ? |
68.75%
-14.9% YoY
-4.0% QoQ
|
+7.69% |
61.05%
-4.6% YoY
|
80.10%
-2.5% YoY
|
66.84%
-3.8% YoY
|
25% |
| Delinquency Rate ? |
0.22%
-40.0% YoY
-17.2% QoQ
|
-0.67% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
73.98%
-3.7% YoY
-2.1% QoQ
|
-10.22% |
84.20%
+0.3% YoY
|
91.35%
-0.3% YoY
|
76.69%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
20.43%
-0.1% YoY
+1.5% QoQ
|
-0.85% |
21.28%
-2.5% YoY
|
15.67%
-3.7% YoY
|
22.01%
-1.1% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.14%
-42.3% YoY
-18.6% QoQ
|
-0.53% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.66%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
13.87%
-2.7% YoY
-1.6% QoQ
|
-1.29% |
15.17%
+2.0% YoY
|
15.05%
+1.8% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.06%
-7.8% YoY
-80.8% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.28%
+1.4% YoY
|
0.32%
+4.0% YoY
|
16% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.