This institution is no longer active

Operations ceased on May 6, 1994. CRA examination history below reflects the period it was active.

SOUTH SHORE BANK

QUINCY, MA · Supervised by FDIC

Est. 1836FDIC #9,711RSSD: FDIC-9711

Part ofBANK OF BOSTON CORP→ View all charters

Satisfactory Down

Current rating · Exam: November 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.10%

Institution Profile

FDIC BankFind

Address

1400 Hancock Street, QUINCY, MA

County

Norfolk County

Established

March 31, 1836

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1994Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$792M

Net Income

$291K

ROA

0.10%

ROE

1.23%

Risk-Based Capital

12.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.41%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	82	68.29%	13.41%
2023	188	73.94%	12.23%
2022	321	76.95%	7.79%
2021	439	74.72%	7.74%
2020	705	66.52%	10.21%
2019	439	74.49%	8.66%
2018	352	80.97%	8.52%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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