South Shore Bank (FDIC certificate #90303) is based in South Weymouth, Massachusetts. Its Q2 2026 call report shows $2.5B in total assets and $2.2B in deposits and 13 offices.
South Shore Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 40th. Problem-loan coverage contributes the most (97/100, 1.6%); earnings contributes the least (48/100, 0.71%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (63 → 65), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 64 |
| Q4 2024 | 63 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 65 |
| Q4 2025 | 66 |
| Q1 2026 | 66 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.25% |
| Q3 2024 | 10.57% |
| Q4 2024 | 10.36% |
| Q1 2025 | 10.48% |
| Q2 2025 | 10.09% |
| Q3 2025 | 10.33% |
| Q4 2025 | 10.42% |
| Q1 2026 | 10.06% |
| Q2 2026 | 10.10% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.36% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.24% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $2.5B | 10.10% | 0.24% | 0.71% | 76.1% |
| Q1 2026 | 66 | $2.6B | 10.06% | 0.21% | 0.69% | 74.0% |
| Q4 2025 | 66 | $2.5B | 10.42% | 0.26% | 0.67% | 75.6% |
| Q3 2025 | 65 | $2.4B | 10.33% | 0.33% | 0.59% | 75.0% |
| Q2 2025 | 63 | $2.4B | 10.09% | 0.35% | 0.47% | 74.2% |
| Q1 2025 | 63 | $2.3B | 10.48% | 0.36% | 0.40% | 76.8% |
| Q4 2024 | 63 | $2.3B | 10.36% | 0.31% | 0.38% | 77.3% |
| Q3 2024 | 64 | $2.2B | 10.57% | 0.42% | 0.49% | 75.6% |
| Q2 2024 | 65 | $2.2B | 10.25% | 0.19% | 0.49% | 77.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cornerstone BankBank Spencer, MA | 60 out of 100, Moderate | $2.6B | 9.2% | 0.35% | vs |
| Dedham Institution for SavingsBank Dedham, MA | 59 out of 100, Moderate | $2.6B | 11.4% | 1.15% | vs |
| Westfield BankBank Westfield, MA | 62 out of 100, Moderate | $2.7B | 9.4% | 0.35% | vs |
| Avidia BankBank Hudson, MA | 67 out of 100, Moderate | $2.8B | 12.4% | 0.75% | vs |
| Country Bank for SavingsBank Ware, MA | 71 out of 100, Strong | $2.2B | 14.8% | 1.14% | vs |
| BayCoast BankBank Swansea, MA | 46 out of 100, Below average | $2.9B | 8.3% | 1.45% | vs |
Deposit insurance
Is my money safe at South Shore Bank?
Yes. South Shore Bank is an FDIC-insured institution (FDIC certificate #90303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.1% of deposits ($999.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.77% (benchmark: 10%).
13 locations
Branches
South Shore Bank lists 13 offices in 11 cities. Most locations:
- Quincy, MA (2)
- Weymouth, MA (2)
- Braintree, MA (1)
- Brockton, MA (1)
- East Bridgewater, MA (1)
- East Weymouth, MA (1)
- Hanover, MA (1)
- Hingham, MA (1)
- Norwell, MA (1)
- South Weymouth, MA (1)
- Stoughton, MA (1)
HMDA 2025
Mortgage lending
In 2025, South Shore Bank reported 21 home-loan applications under HMDA (LEI 5493009TVPZT8PYBF879): 18 originated ($87,210,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- South Shore Bank
- Former names
- South Shore Savings Bank; Weymouth Savings Bank; South Shore Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 90303
- RSSD ID
- 772008
- Primary regulator
- FED
- Holding company
- Charlesbridge Mhc
- Established
- February 1, 1833
- Headquarters
- 1530 Main St, South Weymouth, MA 02190
- Website
- www.southshorebank.com
- Employees
- 226
Quick answers
South Shore Bank: common questions
Is South Shore Bank FDIC insured?
Yes. South Shore Bank is an FDIC-insured institution (FDIC certificate #90303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is South Shore Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has South Shore Bank ever failed?
There is no failure record for FDIC certificate #90303 in the FDIC failed bank list.
How many branches does South Shore Bank have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near South Weymouth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |