South Shore Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Common stock surplus dropped 29.4% in Q2 2026, from $1.7M to $1.2M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, South Shore Bank is 33rd of 59 on CET1 ratio, 13.87% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; South Shore Bank reported 13.87% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.87% |
| Tier 1 risk-based capital ratio | 13.87% |
| Total risk-based capital ratio | 14.77% |
| Tier 1 leverage ratio | 10.10% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $253.8M |
| Tier 1 capital | $253.8M |
| Total risk-based capital | $270.3M |
| Total equity capital | $242.8M |
| Risk-weighted assets | $1.83B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.62% |
| Tangible equity to tangible assets | 9.37% |
| Equity capital to average assets | 9.63% |
| Internal capital growth rate | 5.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $1.2M |
| Retained earnings | $257.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.08% | 14.08% | 15.33% | 9.81% | $1.51B |
| Q4 2023 | 14.65% | 14.65% | 15.73% | 10.22% | $1.51B |
| Q1 2024 | 14.38% | 14.38% | 15.43% | 10.26% | $1.56B |
| Q2 2024 | 14.27% | 14.27% | 15.29% | 10.25% | $1.59B |
| Q3 2024 | 14.57% | 14.57% | 15.61% | 10.57% | $1.58B |
| Q4 2024 | 14.20% | 14.20% | 15.20% | 10.36% | $1.62B |
| Q1 2025 | 14.25% | 14.25% | 15.26% | 10.48% | $1.63B |
| Q2 2025 | 14.18% | 14.18% | 15.17% | 10.09% | $1.66B |
| Q3 2025 | 13.91% | 13.91% | 14.87% | 10.33% | $1.71B |
| Q4 2025 | 14.10% | 14.10% | 15.05% | 10.42% | $1.73B |
| Q1 2026 | 13.87% | 13.87% | 14.78% | 10.06% | $1.79B |
| Q2 2026 | 13.87% | 13.87% | 14.77% | 10.10% | $1.83B |
South Shore Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock South Shore Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full South Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90303) · FFIEC NIC profile (RSSD 772008)