South Shore Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 4.15 percentage points in Q2 2026, from 44.45% to 48.59%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, South Shore Bank is 78th of 89 on loan-to-deposit ratio, 76.75% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. South Shore Bank sits 11.45 points lower, at 76.75% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.70B |
| Net loans and leases | $1.69B |
| Loans held for sale | $0 |
| Loans to total assets | 67.48% |
| Loan-to-deposit ratio | 76.75% |
| Net loans to equity capital | 6.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.20% |
| Multifamily (5+ residential) | 8.93% |
| Commercial and industrial | 18.19% |
| Consumer | 0.27% |
| Credit cards | 0.08% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 280.50% |
| Construction concentration (Tier 1 capital + allowance) | 48.59% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.28% |
| Interest income on loans | $22.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.44B | $1.90B | 38.26% | 18.40% | 0.49% |
| Q4 2023 | $1.45B | $1.88B | 37.60% | 18.92% | 0.51% |
| Q1 2024 | $1.48B | $1.94B | 37.84% | 18.55% | 0.48% |
| Q2 2024 | $1.50B | $1.93B | 38.02% | 18.52% | 0.47% |
| Q3 2024 | $1.51B | $1.97B | 37.90% | 18.83% | 0.46% |
| Q4 2024 | $1.55B | $1.99B | 39.32% | 18.61% | 0.46% |
| Q1 2025 | $1.56B | $2.01B | 38.82% | 18.84% | 0.40% |
| Q2 2025 | $1.58B | $2.11B | 38.68% | 18.76% | 0.39% |
| Q3 2025 | $1.63B | $2.15B | 38.24% | 18.22% | 0.34% |
| Q4 2025 | $1.65B | $2.17B | 38.78% | 18.35% | 0.32% |
| Q1 2026 | $1.68B | $2.25B | 39.92% | 18.33% | 0.29% |
| Q2 2026 | $1.70B | $2.22B | 39.20% | 18.19% | 0.27% |
South Shore Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Shore Bank, freeSource: Call Report Schedule RC-C, 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)