# SOUTH SHORE BANK
SOUTH WEYMOUTH, MA · FDIC certificate 90303 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.52B | |
| Deposits | $2.22B | |
| Loans and leases | $1.70B | |
| Total equity | $242.8M | |
| Loans / deposits | 76.05% (p25 of band) | 87.10% |
| Liquid assets / assets | 29.31% (p75 of band) | |
| Uninsured deposits / deposits | 45.08% (p83 of band) | 30.76% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 1.28% (p24 of band) | |
| FHLB advances / assets | 1.26% | |
| Tier 1 leverage | 10.10% (p40 of band) | 10.50% |
| Unrealized securities loss / equity | -9.99% (p40 of band) | -7.75% |
| AOCI / equity | -1.03% (p17 of band) | |
| ROA (annualized) | 0.71% (p15 of band) | 1.26% |
| Net interest margin | 2.86% (p11 of band) | 3.70% |
| Efficiency ratio | 68.88% (p77 of band) | |
| Noncurrent loans | 0.24% (p26 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p9 of band) | |
| Reserve coverage of noncurrent | 381.46% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 53.91% (p56 of band) | |
| Auto loans | $391,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 226 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | loans exceed deposits |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | loans exceed deposits |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | loans exceed deposits, expense ratio p90 |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | expense ratio p90 |
| 2014-03 | 4 | expense ratio p90 |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | expense ratio p90 |
| 2015-03 | 4 | expense ratio p90 |  |
| 2015-06 | 4 | capital falling | loans exceed deposits |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 1 |  | wholesale funding >15%, expense ratio p90 |
| 2016-06 | 2 | expense ratio p90 |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 1 |  | reserve under noncurrent, capital falling |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 1 |  | expense ratio p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-03 [A South Shore bank is now owned by North Shore Bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSG5QamFNYjM2cGYzTFJncVdFaGNqRWZJNENLdU5WM21walYyY1lVYkw3YWNyemlzQUZOaTVyUElYdktwT3Yta0FITEJhZnRlR0xnSVVsNFpKSExFSG9fMkhFajQ3N3l5Q3NhdWoxQXExTlloaVEtMTRObnZPSlprT2Nmb0lZMmVIckxIUU0zLU9wX0Z2N2pua2kyRURmek9SUXp3aA?oc=5) · The Business Journals
- 2026-02-20 [MutualOne Bank picks South Shore executive as chief credit officer - wbjournal.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNOFZTNUtOMlJjaExPYzF2SVZsZElPeDVLVlFESTd6QzVWS1piakpFUlZxTHRJNW9SSHpzQ0lCMVNwRkVTb3VHRzhMUTVwazhnOHFMUXF1T3hDVDJKWU05ekVTeGdwNjlZRFpoNGVSOVQ1bXAtUlRoRW9sM2dtUGQ1M2Z2blpVT3V2VUtUREZ2SzFvbXg0OWMzUUU5ZHo5Zw?oc=5) · wbjournal.com
- 2026-04-14 [New Neighborhood Market To Open In Historic South Shore Bank - Patch](https://news.google.com/rss/articles/CBMimAFBVV95cUxOWGh1TkktbzZqWDRvampManBHNjZJam5fM0ZVNlNLOEQ1Wm5xVV9wMDJELU1DSlluUnVycnpVUzBINlp0VDh2TVlHUDlsTlRpWTdTWDFiN1BKcEVfaDlIUlRZbnh1VThaS0ItMHd3Y0pXYU94U1hkRTR3ZlFmU2s0RkhrSi1ESzRUN2NqVDd5bk41OXhxaHUzTg?oc=5) · Patch
- 2023-07-24 [OPINIONS in Contrast: Merger of Dedham Savings with South Shore Bank - Westwood Minute](https://news.google.com/rss/articles/CBMirAFBVV95cUxQNmJRak9RU2JOal9DNExzckQwNm9iSkhRS25Rdzg0MzJmb2daQjNJMG5LTEZaLW9ZNnZCXzBJTzV0TkdybEVTNGZ3RWd3R1pwcnZhMUlIbjZiTzNla3ZHWFJXcV9yUWN6UEFkbzhJa1duRUVYWmVTbjVIN0l0ajhNX2hnNDlkZU80SXJyYVVMNVZQZDVSNVltV3UwdVpPeXFQRWhGQnpjT0tRUW5G?oc=5) · Westwood Minute
- 2023-03-20 [Dedham Savings and South Shore Bank to Merge; Companies to continue to operate Independent Institutions - Hingham Anchor](https://news.google.com/rss/articles/CBMitAFBVV95cUxQSE92ckJxRkVnUkhpdlV0Nkp0bEl0Si1XS19oajlNM2ExZVFQZlRpZ3hweFBSWGlRTTJZb2RDZmU2dkJ1ODl4Zi1TVlVtalZyWlNzcHloUlExV2RaREsxRGg2QXFFdGN4NE1MZTZqUmxlcmNsclgxNXFlMTZsaGR2YUhjelZERUtBVkhYUkNIU2ZnVk5jei0wcWZWWkd2QXZWMHF1ZzAxa1hEYmx5RkZGdlFkc1I?oc=5) · Hingham Anchor
- 2023-03-16 [South Shore Bank and Dedham Savings parent companies to merge - The Patriot Ledger](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQLWNSSE5zRFUya1JjSnlPNW5mR2lJaHNhaDIyYXVPb0JRVkRlUUJSNlU2c1FSTk40TTM3NXZFRVRiTGhvU3I0eHNscXJfV1R3ZElDSXZFajFpdi16Tk9kWjNoUzNPS3BET0MwLXBlS3FWc3UtaFg3QXBFdWRXSHpvUnVoQWt6bFFFTG42MWJzbmRQdm9WODJLU1FPbnBLRkR3cEw2NjBuQ1hMZnljWVJuZzFWNFE5bXdGTlp1X2Z2dnZnYzRsSmRGc1JSRmV5VGFGdUpocg?oc=5) · The Patriot Ledger
- 2018-12-18 [South Shore Bank moves down the street - Wicked Local](https://news.google.com/rss/articles/CBMinwFBVV95cUxQS3BCdkczelhnZFQzcHhaa0czZ0toX0h4bmtxUDl0T2dfbk9naE1HM3VHTDVxY3VDekxzb1RwNGdHazNMNHBuMkdhYkRzWjNmTW1Jem1ObHVhbkt0ZzBobjM2Z3liSUpyY1FCZDJiMHJZeHNNVkNOcF9fLW5TU0NpNE9ENGVmX3A5UEJLSzB2YzJLNFlDNFVlYVZ3eWZCbk0?oc=5) · Wicked Local
- 2020-01-21 [South Shore Bank Offers Money Experience Financial Literacy Program To Ten Local Schools - PR Newswire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQbjJXSVhiRXkwV0VNRmlBVlhJTFMwZllZc3k5M2RleFFWNF9QY1NvYlFLM19nY0dZdjB0dEV4dWdKUWl0M3lEdC05NWJqU3RSTE9DWlVMdGdPekNTZEQ2NjgtVnpzOUp5QnhqS2tuR3NkS3BjUEtRV0wwcGF2U0wyQWJwdV9wd3FqQmdnR2oxRDVQTExpdEFkQWpCaldhdmFZbUs1dmlHTnFKV00tQmZPUDBFSnNWdm9EVXhpNjBxUmo3V0l5Um1Xb1pXNFd2TU14MkdYa0hnZmktQ24x?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90303 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "90303", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide