South Shore Bank: how it compares with its peers
Against 30 MA banks with half to twice its assets, South Shore Bank's strongest measure in Q2 2026 is assets per employee ($11.2M vs. a $10.5M peer median). Its weakest relative measure is net interest margin (2.86% vs. 3.08%).
| Measure | South Shore Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.71% | 0.69% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.86% | 3.08% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.88% | 69.85% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.2M | $10.5M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.05% | 97.57% | Context |
What it means for lending operations
Its efficiency ratio of 68.88% is better than the 69.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Cornerstone Bank Spencer, MA · $2.57B
- Dedham Institution for Savings Dedham, MA · $2.60B
- Westfield Bank Westfield, MA · $2.73B
- Avidia Bank Hudson, MA · $2.77B
- Country Bank for Savings Ware, MA · $2.24B
- BayCoast Bank Swansea, MA · $2.86B
Questions about South Shore Bank
How big is South Shore Bank?
South Shore Bank, established in 1833, is headquartered in South Weymouth, MA. It reported $2.52B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is South Shore Bank's return on assets?
0.71% annualized in Q2 2026, against a 0.69% median for 30 MA banks with half to twice its assets, ahead of 50% of them.
What is South Shore Bank's efficiency ratio?
68.88% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 69.85%, and lower is better.
Is South Shore Bank growing its loans?
Net loans grew 7.8% over the year to Q2 2026, while deposits grew 5.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.