South Shore Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks South Shore Bank of South Weymouth, MA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.72% | 1.44% | -0.72% | 16th bottom |
| ROAE | 7.56% | 12.51% | -4.95% | 18th bottom |
| Net Interest Margin | 2.87% | 3.84% | -0.97% | 11th bottom |
| Efficiency Ratio | 68.70% | 58.86% | +9.84% | 23rd bottom |
| PPNR / Avg Assets | 0.96% | 1.78% | -0.82% | 14th bottom |
| Yield on Earning Assets | 4.82% | 5.71% | -0.89% | 14th bottom |
| Cost of Funds | 2.13% | 2.03% | +0.10% | 41st below |
| Net Interest Spread | 2.16% | 3.18% | -1.02% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.96% | -0.72% | 78th top |
| NPA / Total Assets | 0.16% | 0.75% | -0.59% | 80th top |
| NCO / Avg Loans | -0.05% | 0.31% | -0.36% | 97th top |
| ACL / Total Loans | 0.91% | 1.25% | -0.34% | 21st bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 381.46% | 699.19% | -317.73% | 76th top |
| Texas Ratio | 1.62% | 7.17% | -5.55% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.87% | 17.41% | -3.54% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.87% | 17.45% | -3.58% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.77% | 18.50% | -3.73% | 53rd above |
| Leverage Ratio | 10.10% | 11.60% | -1.50% | 39th below |
| Equity / Assets | 9.62% | 11.33% | -1.71% | 35th below |
| TCE / Tangible Assets | 9.37% | 10.65% | -1.28% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.75% | 86.36% | -9.61% | 76th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.93% | 85.55% | +2.38% | 46th below |
| Uninsured Deposit Ratio | 45.08% | 32.69% | +12.39% | 17th bottom |
| Wholesale Funding Ratio | 1.26% | 5.46% | -4.20% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.30% | 10.46% | -5.16% | 50th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.72% | 7.99% | -0.27% | 63rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.13% | 7.98% | -2.85% | 52nd above |
See South Shore Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock South Shore Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full South Shore Bank profile, how to read a UBPR, or how this data updates.