| Metric | South Shore Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.5% | -0.2 pts |
| Deposit growth (YoY) | +5.1% | +5.1% | +0.1 pts |
| Loan growth (YoY) | +7.8% | +5.9% | +1.9 pts |
| ROA | 0.71% | 1.26% | -0.6 pts |
| ROE | 7.4% | 12.2% | -4.8 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.52B | $2.22B | $1.69B | $242.8M | $8.9M | 0.71% | 2.86% | 0.16% |
| Q1 2026 | $2.56B | $2.25B | $1.66B | $239.6M | $4.3M | 0.69% | 2.81% | 0.14% |
| Q4 2025 | $2.47B | $2.17B | $1.64B | $237.4M | $15.9M | 0.67% | 2.84% | 0.17% |
| Q3 2025 | $2.44B | $2.15B | $1.61B | $229.4M | $10.4M | 0.59% | 2.82% | 0.22% |
| Q2 2025 | $2.40B | $2.11B | $1.57B | $222.7M | $5.4M | 0.47% | 2.76% | 0.23% |
| Q1 2025 | $2.29B | $2.01B | $1.55B | $218.5M | $2.3M | 0.40% | 2.75% | 0.24% |
| Q4 2024 | $2.26B | $1.99B | $1.54B | $211.4M | $8.4M | 0.38% | 2.77% | 0.21% |
| Q3 2024 | $2.24B | $1.97B | $1.49B | $217.9M | $8.1M | 0.49% | 2.75% | 0.28% |
Loan mix (Q2 2026): real estate $1.36B · commercial $309.6M · consumer $4.6M · securities $586.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | South Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.26% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 59.0% | 77th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | South Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | South Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | South Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | South Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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