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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

South Shore Bank

South Weymouth, Massachusetts · $2.52B in assets · beside the 11 other Massachusetts banks between $1B and $3B

The filing

3.8x
Coverage of noncurrent
1st of 12
76.8%
Loans / deposits
2nd of 12
0.24%
NPA / loans
2nd of 12

South Shore Bank is the sixth largest of the 12 Massachusetts banks nearest its size between $1B and $3B, with $2.52B in assets at 30 June 2026. Loans are 76.8% of deposits, 2nd of 12 against a median of 93.1%, and equity is 9.6% of assets, 7th of 12. Loans grew +7.7% in the year, 3rd of 12, and deposits grew 5.1%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.24% of the book, 2nd of 12 against a median of 0.74%; 0.42% is 30 to 89 days past due, and the allowance covers them 3.8 times. Commercial real estate is 44.4% of loans, 10th of 12 against a median of 36.6%, and 279% of capital, below the 300% screen, with construction at 48% against the 100% screen.

Return on assets is 0.71%, 7th of 12 against a median of 0.71%, on an efficiency ratio of 69.1%, 5th of 12. Five years ago it was 0.94%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 93.1% FB Florence Bank 71.5% SS South Shore Bank 76.8% LF Lowell Five Cent Savings Bank 90.2% B Bankesb 91.2% WB Westfield Bank 91.3% BB Baycoast Bank 91.7% VB Village Bank 94.5% DI Dedham Institution for Savings 98.9% CB Cornerstone Bank 99.8% AB Avidia Bank 101.2% CB Country Bank for Savings 101.6% FR Fall River Five Cents Savings Bank 105.2%
Loans, year over yearMA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% CB Cornerstone Bank +38.0% LF Lowell Five Cent Savings Bank +9.0% SS South Shore Bank +7.7% FB Florence Bank +6.6% WB Westfield Bank +4.8% CB Country Bank for Savings +4.6% VB Village Bank +3.4% DI Dedham Institution for Savings +2.5% AB Avidia Bank +0.5% FR Fall River Five Cents Savings Bank -2.0% BB Baycoast Bank -4.4% B Bankesb -6.2%

SBA 7(a), FY2008 to FY2026

South Shore Bank is the 37th largest 7(a) lender into Massachusetts of 309, with $36M across 360 loans, 0.6% of everything approved in the state (Eastern Bank leads with $778M). 7 of its 10 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Plymouth, MA$16M6th of 1072.9%-2.1 pts
Norfolk, MA$15M11th of 1452.0%-0.3 pts
Kent, RI$3M23rd of 641.0%quiet FY2020
Suffolk, MA$2M53rd of 1300.2%quiet FY2022
Bristol, MA$1M46th of 1120.3%thin
Barnstable, MA$681K46th of 840.2%quiet FY2019
Middlesex, MA$550K140th of 1900.0%quiet FY2020
Hillsborough, NH$350K86th of 1170.1%quiet FY2015
Worcester, MA$150K123rd of 1400.0%quiet FY2021
Essex, MA$100K121st of 1290.0%quiet FY2016
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction79$8M20.4%0.02%422nd of 2,063
Retail trade29$6M16.6%0.01%628th of 2,589
Manufacturing44$6M15.0%0.01%639th of 2,246
Health care & social assistance35$5M12.5%0.01%570th of 2,172
Other services32$3M7.2%0.01%749th of 2,248
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and South Shore Bank
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans SS South Shore Bank 0.6% $36M · 360 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
South Shore BankRankCohort median
Total CRE against capital, the 300% screen279%7th of 12270%
Construction against capital, the 100% screen48%7th of 1241%
Construction and land development, share of loans7.7%8th of 125.8%
Non-owner-occupied nonfarm nonresidential, share of loans27.8%9th of 1222.4%
Total CRE, the guidance definition, share of loans44.4%10th of 1236.6%
CRE growth over 36 months, the third prong+33.5%9th of 12+15.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Baycoast Bank$2.86B0.5%84.8%1.45%0.12%1.2%91.7%9.0%
Avidia Bank$2.77B1.0%65.3%0.75%-0.03%1.1%101.2%12.2%
Westfield Bank$2.73B0.7%68.2%0.35%0.17%0.9%91.3%9.3%
Dedham Institution for Savings$2.60B0.9%73.2%1.15%0.00%0.7%98.9%11.2%
Cornerstone Bank$2.57B0.6%83.5%0.35%0.04%0.4%99.8%8.8%
South Shore Bank$2.52B0.7%69.1%0.24%0.00%0.9%76.8%9.6%
Country Bank for Savings$2.24B0.8%70.0%1.14%0.00%1.0%101.6%14.2%
Village Bank$2.07B0.5%75.9%0.23%0.00%0.5%94.5%8.5%
Bankesb$2.02B0.5%69.6%1.67%0.08%1.2%91.2%9.7%
Florence Bank$2.01B0.7%68.3%0.46%0.01%0.7%71.5%10.7%
Lowell Five Cent Savings Bank$1.90B0.8%61.7%1.03%0.01%1.3%90.2%12.3%
Fall River Five Cents Savings Bank$1.86B0.4%83.5%0.73%-0.02%0.7%105.2%7.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
South Shore BankCohort median
20212026Change20212026Change
Loans$1.33B$1.70B+28%$1.18B$1.73B+46%
Deposits$1.71B$2.22B+30%$1.52B$1.87B+23%
NPA / loans0.36%0.24%-0.13 pts0.34%0.74%+0.40 pts
Efficiency62.7%69.1%+6.4 pts67.2%69.8%+2.6 pts
ROA0.94%0.71%-0.24 pts0.92%0.71%-0.21 pts

This read was prepared for South Shore Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on South Shore Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $1B to $3B
Institution www.southshorebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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