Our Clients are Talking
“Banking can be painful; there is an incredible amount of regulations. South Shore Bank has managed to create straightforward processes; the documents are simple and don’t take all day to read.” Artie Wright, Controller, S&W Electric.
Fifteen years ago, Brian Washburn and Matt Sylvia started S&W Electrical Contractors as a partnership. Through dedication and skill, they have now grown it into a full-service electrical contracting firm with 74 employees and an expansive office in Bridgewater. S&W Electric provides commercial and high-end residential consulting, design-build, and install service for all phases of electrical wiring. Their focus on customer satisfaction, timeliness, integrity and teamwork has made them a standout business whose portfolio includes projects for Ocean Spray, PayPal and the Smithsonian Institution.
In 2017 and 2018, S&W Electric obtained commercial building mortgages through South Shore Bank and the transactions could not have been smoother. “The appraisal process was easy, and everyone was fantastic to work with. South Shore Bank’s lenders, attorneys and leadership team facilitated the process from beginning to end,” says Washburn.
S&W Electric’s controller, Artie Wright, says that the backing they have received from South Shore Bank “is a huge part of the reason why we have been able to flourish.” Wright also appreciates South Shore Bank’s streamlined process: “Banking can be painful; there is an incredible amount of regulations. South Shore Bank has managed to create straightforward processes; the documents are simple and don’t take all day to read.”
S&W Electric places great value on customer satisfaction and client relationships, and appreciates that South Shore Bank has the same focus. “President and CEO James Dunphy took the time to speak with us personally. He is incredibly easy to talk to; we can speak to him about multiple topics and be completely candid, which is refreshing,” says Washburn.
The members of South Shore Bank’s lending team are empowered to make decisions quickly, which allows for quicker, more efficient transactions. “We always appreciate working with Matt Pretti (Assistant Vice President and Portfolio Manager) and Bob Corcoran (Senior Vice President and Team Leader),” says Washburn. “I recommend Matt to people all the time. He’s an excellent facilitator and a patient person, and Bob has gone above and beyond for us. We are grateful to have people so knowledgeable and committed looking out for our interests.”
S&W Electric also has high praise for South Shore Bank’s business banking services. “We’ve been so impressed with South Shore Bank’s lending team that in 2019 we moved our accounts over to them,” says Washburn. “Aside from a few items that had to be signed in person, everything was accomplished remotely. The online system was up and functional right away. Their Specialty Banking Coordinator, Jill Vail, was critical to the process; she did a great job coordinating the entire endeavor. Setting up remote deposit and ACH transfers has saved us a lot of time. You can tell that South Shore Bank takes a lot of pride in staying up to date with technology. They have made it very easy for people to use their system.”
When it came to choosing a bank, S&W Electric wanted one that was local, but also capable of supporting its growth. Consistently providing quality electrical services with commitment and character for almost two decades has enabled Sylvia and Washburn’s enterprise to soar. “Brian and his partner Matt have been great to work with, as well as their controller, Artie,” says Corcoran. “They run things in a very professional and organized manner. I’m impressed by their ability to grow a business rapidly while not taking on too much risk or leverage.”
S&W Electric’s success is also attributable to hard work and a proactive employment ethic. “We are never complacent,” says Washburn. “We don’t let problems linger, but address them right away. We also let our employees spread their wings and take initiative. The spirit of collaboration that we bring to relationships with both our employees and our clients gives us an advantage.”
right believes that surrounding itself with the right people is an important part of a business’ success. “We make sure to work with top notch individuals who are always trying to stay ahead, and that includes the staff at South Shore Bank.”
A.W. Perry, Inc.
“We appreciate our relationship and the competitive value that South Shore Bank brings to us.” Richard Beal, President, A.W. Perry, Inc.
A.W. Perry, Inc. is a 135-year-old, family-owned, commercial, industrial and residential real es-tate company and investment services firm. A solid commitment to relationship building and sound fiscal management have contributed to its great success.
Originally a Boston based firm, A.W. Perry has grown and expanded into the South Shore. It was this geographical expansion that led to the real estate company establishing a relationship with South Shore Bank.
Richard Beal, a fifth-generation family member, and A.W. Perry’s current president; talks about A.W. Perry’s relationship with South Shore Bank. “Our company was involved with the South Shore Chamber of Commerce and through the Chamber heard about South Shore Bank’s superb reputation and extensive involvement in the community, so we reached out to South Shore Bank to finance a building.” Almost 50 years later, A.W. Perry and South Shore Bank are still working together. “South Shore Bank has competitive rates and state of the art services and is a lending institution where you can be on a first-name basis,” says Beal. “I often work with Mike Healy, the bank’s Senior Vice President and Senior Commercial Loan Officer, who is incredibly respon-sive. With any interaction, we get consistent attention. We know that our loans are not going to get shipped out and bought by someone else; we are local, and we like to do business locally. Whenever we have questions about our loans, accounts, debt service coverage or any number of transactions, South Shore Bank is easy to reach. I pick up the phone to call Mike or another member of their excellent commercial lending staff and they respond quickly.”
Beal is also impressed with how easy it is to do business with South Shore Bank. He talks about the convenience of the digital platforms the bank offers. With Business Online Banking “The electronic transfers to pay our mortgages, as well as other online services, are seamless.”
A.W. Perry looks forward to many more years of collaboration with South Shore Bank: “We appreciate our relationship and the competitive value that South Shore Bank brings to us.”
South Shore Bank and A.W. Perry share the same values regarding customer service and dedication to the South Shore Community and its people. Both South Shore Bank and A.W. Per-ry remain very active members of the South Shore Chamber and both are committed to growing the region by investing in housing, infrastructure, jobs, and the local community.
Beal is the Chairman of the South Shore Economic Development Corporation, a division of the South Shore Chamber of Commerce. South Shore Bank is a partner sponsor of the Chamber and CEO James Dunphy served as the Chamber’s Chairman of the Board in 2019. “We enjoy work-ing with James; his assistance and partnership in creating a viable and attractive South Shore are invaluable.” South Shore Bank and A.W. Perry are partners in business and in their commitment to the community.
The Impact of Paying it Forward:
Bank’s Scholarship Recipient Makes Global Impact
“I felt so valued by South Shore Bank; they wanted to invest in me because they believed I could have a wonderful impact on the community” Kayla White.
A 2013 South Shore Bank Citizenship Award recipient, Kayla White, recently reached out to South Shore Bank to let us know how much receiving that scholarship changed her life. The award is presented annually by the bank to local students who have demonstrably made their schools a better place, shown a commitment to their communities and displayed qualities of sincerity, responsibility, and conscientiousness. Kayla is grateful that South Shore Bank is committed to giving back to the community and feels that receiving this scholarship gave wings to her dream of serving others.
Kayla is a very accomplished young woman. After high school, Kayla went on to graduate from Grove City College in Pennsylvania earning a degree in Biochemistry with a pre-med concentration. Next, she focused on earning a Master's Degree in Biomedical Sciences at Tufts University School of Medicine. Currently, Kayla is enrolled at Tufts Medical school working to obtain her M.D.
White is extraordinarily grateful that South Shore Bank’s Citizenship Award allowed her to achieve her lifelong goals. “I had a difficult upbringing, and affording college was a challenge. Receiving South Shore Bank’s scholarship was pivotal in getting me to where I am today. Not only did it allow me to go to a fantastic college that propelled me to medical school, but it also reinforced the importance of helping others. I felt so valued by South Shore Bank; they wanted to invest in me because they believed I could have a wonderful impact on the community. A commitment to service will always be a part of my life.”
Helping others has always been important to Kayla. In her teens, Kayla participated in local medical missions work. In college, she continued her mission work, spending her summers doing medical work in impoverished countries in Africa. Kayla’s bond with her grandmother also contributed to Kayla’s desire to give back. “We were extremely close,” says White. “My mom was a single mother and my grandparents were very involved in my life. My grandmother developed esophageal cancer when I was in third grade and passed away the next year.” During her grandmother’s illness, White was with her almost constantly. “I spent a lot of time in the hospital, and I’ve known ever since then that I want to be a physician,” she says. “I already loved math and science, and I was fascinated with the hospital and seeing doctors treating others. The pieces all came together. After my grandmother passed away, I made a promise to myself and her that I would dedicate my life to taking care of people who went through what she went through." As a freshman, White joined her college’s Adopt-a-Grandparent Club, a student-run organization that pairs students with residents of the local nursing home for one-on-one companionship.
While Kayla is extremely grateful for South Shore Bank’s encouragement of her and credits the bank for setting her on a path of success, the admiration is mutual. South Shore Bank can’t say enough about Kayla’s positive outlook and her dedication to growing in her profession, her empathy, and her integrity. Still, just in her 20’s, the good work that she has already done has positively changed the lives of people not just on the South Shore, but across the globe. Hearing White’s expression of gratitude reinforces South Shore Bank’s core belief that giving back and investing in others benefits our whole society. “South Shore Bank exists to benefit the community we serve,” President and CEO James Dunphy says. “These scholarships are just one of the ways we give back our time, talent and treasure.”
Rockland Ice Rink
“We value personal relationships, and so does South Shore Bank.” Bridget Cashman, Owner, Rockland Ice Rink.
The Cashman family’s inspiration for opening an ice-skating rink was a very special moment in Boston history: Bobby Orr’s famous goal at the Boston Garden on May 10, 1970. Bridget Cashman, who started the Rockland Ice Rink along with her husband, Barry, was at the game. “It was over 80 degrees outside and it was Mother’s Day,” she recalls. “I knew that moment would go down in history. After that shot, my husband said we should open a rink.”
Rockland Ice Rink opened in 1972 and provides hockey, figure skating, recreation and more for South Shore kids and adults. Still a family business, Bridget’s son, John, is the General Manager and her grandson, Jack, is the Assistant Manager. “It’s hard work, but so rewarding,” Jack says of running a rink that offers such a wide variety of programs and amenities.
It is the home of Winterland Skating School, which offers a Learn to Skate program for all ages, as well as a Learn to Play Hockey program. Winterland Skating School’s figure skaters have won the District 1 Championships for two years in a row. Rockland Ice Rink also operates the South Shore Eagles Hockey League that teaches skills and teamwork, and the Bay State Breakers, a comprehensive hockey organization composed of teams competing in the USPHL, Eastern Hockey Federation, The EHF Selects and the New England Girls Hockey League. Additionally, the rink offers free open skating.
With so many services and accounts to keep track of, Rockland Ice Rink relies on South Shore Bank for their banking. They opened accounts at the Norwell branch with AVP, Retail Officer, Michael Tinkham, who took the time to understand exactly what they needed. “Mike made setting up business accounts easy,” says Jack. “Paying the bills is easy as well. The bank’s platform is clean and simple to use. Having such a smooth process saves us time.”
“The statements are easy to read,” Bridget says. “With other banks, the accounting system was confusing. South Shore Bank’s statements are clear and understandable.” She also is thrilled that she doesn’t have to go to the bank to deposit checks. South Shore Bank’s Mobile Bank App allows clients to deposit checks on their smartphone anytime, anywhere.
“The service is excellent,” says Bridget. “We enjoy talking to Jane Wing and the whole staff. They take the time to get to know you personally.” Jane Wing, Vice President, Cash Management, strives to help clients succeed by offering innovative technology solutions and exemplary client care. “It’s nice to speak with the employees and get to know people”, says Jack. “We feel fortunate to have Mike, Jane and the whole bank staff helping us with our business. We value personal relationships, and so does South Shore Bank.”
The feeling is mutual; Mike Tinkham holds the Cashmans in very high regard: “As their personal banker, I have known the Cashman family for a number of years and can honestly say it is a pleasure to serve such an exceptionally run and distinguished local business. The Rockland Ice Rink is a staple on the South Shore and is well-known for its dedication to our young, aspiring athletes. We at South Shore Bank are proud to have Bridget, John and Jack Cashman, and Rockland Ice Rink as a part of our Bank family.”
Scott Williams Inc.
“South Shore Bank understands small businesses and has incredible digital platforms that make every process easy,” Ken Williams, President, Scott Williams Inc.
Heating, cooling and fuel oil company Scott Williams Inc. has been well-known for its excellent service since Lawrence Williams founded the company in 1937. Today, his grandson Ken Williams carries on the longstanding commitment to its customers as President. “Our business is about relationships; we have been around for almost 100 years because of our devoted customers and because we have earned their confidence and trust,” says Ken.
Scott Williams started as a manufacturer of oil burners at a time when most homes had coal bins and coal furnaces. Their modern outlook started a new wave in home heating all the way back in the 1930’s. After World War II, they began selling the fuel as well as the equipment.
Today, Scott Williams Inc. services towns in Norfolk, Suffolk and Plymouth counties, providing boilers, furnaces, central air, water heaters, oil tanks and fuel. They also offer customized energy plans for your home, including savings and efficiency opportunities.
Ken Williams entrusts the company’s banking needs to South Shore Bank. “South Shore Bank understands the particular ins and outs of our business in a way that other banks have not been able to,” says Ken. “They have been able to handle our complex transactions better than larger, national banks, because they give us the attention of a local bank while also providing modern, first-rate technology.”
South Shore Bank gets to know its client businesses on a level that allows them to tailor their services. For Scott Williams Inc., buying a new truck is an incredibly detailed process. “It’s a big deal,” Ken says. “We have customized parts and build the tank from scratch. The type of loan we need is similar to a construction loan, not a car loan.” South Shore Bank was able to do the loan. And when the oil company needed a structure for an acquisition that was based on customer goodwill, as opposed to the more common brick and mortar practice, Ken found it extremely challenging to get a bank to comprehend their requirements until he talked with South Shore Bank. “We could not get other larger banks to understand what we were looking for,” says Ken. “Then we reached out to South Shore Bank. They listened to us, knew exactly what we needed and got us the loan and the acquisition structure in just three days. South Shore Bank understands small businesses and has incredible digital platforms that make every process easy.”
Scott Williams uses South Shore Bank for its operating accounts, day to day expenses, loans and lines of credits. “It’s flawless,” says Ken. “Loan officer Tom Gillen is so knowledgeable and easy to work with, and the whole bank staff is friendly and helpful.” Having a bank that makes its operations goes so smoothly allows Scott Williams to give the best service to its own clients. “There is nothing I could wish for that South Shore Bank doesn’t already have,” says Ken.
Ken understands firsthand what it means to establish and maintain close relationships with its clients. “Our business is about relationships. It’s not just about selling equipment or fuel; it’s about longevity. We build confidence and trust in people by being kind, listening to them and understanding what their needs are. You can bring your own ideas to the customer, but it is also necessary to let the customer bring their ideas to you. Then you can create the customized service that gives them exactly what they’re looking for.”
“Being a South Shore Bank client means you have a partner; they want you to succeed” Joe Gratta, CEO, Atlantic Mechanical.
Family owned and operated, Atlantic Mechanical has been providing first-rate commercial HVAC installation, service and repair for decades. Located in Weymouth on Washington Street, it is proud to call the South Shore its home.
Atlantic Mechanical owes much of its phenomenal growth and success to its founder and owner, Paul Gratta. After college, he started the business with just himself and one van. Now, Atlantic Mechanical has 28 vehicles on the road, an outstanding team, cutting edge technology, an impressive portfolio and innumerable satisfied customers.
Paul Gratta’s son, Atlantic Mechanical CEO and South Shore Chamber of Commerce Executive Committee member, Joe Gratta, says that his father grew the business with his hard work and commitment to customers. “Hard work and customer satisfaction go hand in hand. He would not leave a site until the customer was happy, and this value has been instilled throughout the Atlantic Mechanical organization. He has given us a great reputation and a great name to carry on.”
In 2013, Atlantic Mechanical was looking for a new bank, and they wanted one with roots in the South Shore that would understand the particular needs of a small business. They met with South Shore Bank Senior Vice President and Senior Commercial Loan Officer Michael Healy and developed a longstanding relationship with him and with South Shore Bank. “Michael understood Atlantic Mechanical’s goals and what we wanted to become,” says Joe. “We put a plan together not just for the next few years, but for the long-term. We set up accounts as well as a line of credit for real estate that would allow us to expand and grow.”
South Shore Bank holds nine of Atlantic Mechanical’s accounts associated with realty holdings, in addition to its operating accounts. “As a developer, we are using South Shore Bank to fund a 42-unit development in Weymouth Landing; their assistance has been instrumental in getting the development to function,” says Joe. “Michael and South Shore Bank help us with every aspect of the project management, making sure everything runs smoothly. You can tell they really care about the development as a part of our community. The development is seated next to the Libby baseball park and the Tufts Public Library that is being beautifully redone. We’re honored that we are the ones who get to build this development, and we’re grateful for South Shore Bank’s assistance. They have a true focus on the well-being of our South Shore community.”
Through Atlantic Mechanical’s relationship with South Shore Bank, Joe Gratta was also able to take advantage Leadership South Shore, a program founded by the bank. The program brings together regional business leaders, exposes them to a spectrum of regional issues and encourages these leaders to become more civically involved. “I met wonderful, interesting people and made connections that I maintain to-day,” say Joe. “Being in the program gives you a deeper understanding of the South Shore: its history, where it’s going and how we can help its growth. That experience led me to join the South Shore Chamber of Commerce and help to make an even bigger difference for the South Shore and its economic development.”
Being a community supporter is the Atlantic Mechanical way. Currently the company is contributing to the community by donating its time and expertise to Boston’s Old North Church. They are installing the cooling system for its crypt on a volunteer basis. “To be a part of the ancestry and legacy of this beautiful, 300-year-old church is a great honor,” says Joe.
As a company with a focus on its community, Atlantic Mechanical appreciates that is has a partner in South Shore Bank. “It is rare to have a bank be with you every step of the way,” says Joe. “The bank has such a community focus and stays involved with their clients to ensure that they’re doing well and that transactions run smoothly.” Joe can easily get a hold of Michael Healy, as well as South Shore Bank CEO James Dunphy when he needs them. “Being a South Shore Bank client means you have a partner; they want you to succeed. It is a partnership in every way and their team makes you feel that way throughout every process.”
Elatus Essential Support Services, Inc.
“Every team member [of South Shore Bank] I’ve met goes above and beyond to come up with solutions for my specialized business needs.” David Rapaport, Veteran, CEO, Elatus Essential Support Services, Inc.
Veteran David Rapaport served our country for almost 33 years, first in the Army Reserve, then the National Guard followed by tours of duty in Bosnia-Herzegovina and Iraq. Using his GI Bill benefits, Rapaport earned graduate degrees in education, mental health counseling and management and he has since become the CEO of his company Elatus Essential Support Services, Inc, which offers professional representative payee and fiduciary services to underserved adults at risk of homelessness and addiction. Through Elatus, he helps these vulnerable populations build independence, gain financial literacy and confidence, and facilitate “living the life they want, not the one they have to settle for.
This work requires a multitude of reliable banking resources, and Rapaport has been using South Shore Bank for several years. “I got involved with South Shore Bank when they sponsored me for the VETRN entrepreneurship program,” he says. VETRN (The Veteran Entrepreneurship Training and Resource Network) is designed to help veteran-owned businesses build operational capacity, increase revenues and create sustainable jobs. South Shore Bank is a longtime supporter of this important program: “We are proud to help veteran small business owners in establishing and expanding their businesses,” says South Shore Bank President and CEO James Dunphy.
Elatus was founded with the promise to help others not by controlling their money, but by managing it. In David’s words, through Elatus “We help at-risk and underserved populations reach the level of financial competence that they are comfortable with. Many of the people we collaborate with need support in managing their limited funds. We provide budget management, as well as access to resources and a healthy dose of empathy and support.”
When Rapaport’s clients receive income, Elatus helps them budget, allocate their spending and allow for savings. Rapaport relies on South Shore Bank for all of his clients’ accounts. “Everyone at South Shore Bank is willing to work with me and develop compliant solutions that meet our needs,” says Rapaport. “I am responsible for over $1 million in protected assets and often need to work with South Shore Bank to protect my clients' funds. South Shore Bank ensures that I am successful. No matter what I need, they find a way to make it work. Retail Officer of the Columbian Square Branch, MonaLisa Rodrigues-McLaren is fantastic, as is the rest of the team.”
"I am most impressed with how South Shore Bank is taking initiative in upgrading their services. They are coming up with banking strategies that are a perfect fit for the people I serve,” says Rapaport. One new South Shore Bank program that Rapaport is thrilled about is the reloadable card system. Reloadable cards allow you to pay bills and get cash at ATMs. There is no credit check required for a reloadable card, and, because you can only spend funds loaded to the card, you cannot overdraw so there is no risk of overdraft fees. “These cards are absolutely ideal for my clients that are challenged in handling cash.”
South Shore Bank is committed to creating banking systems that facilitate financial wellness for all residents of the South Shore. “I’ve been working with South Shore Bank for over five years now,” says Rapaport, “and every team member I’ve met goes above and beyond to come up with solutions for my specialized business needs.”
Child-Genovese Insurance Agency, Inc.
“We switched our business accounts over to South Shore Bank and they make banking a piece of cake.” Bill Genovese, President, Child-Genovese Insurance Agency, Inc.
Child-Genovese Insurance Agency, Inc. (CGI) has a proud history that dates back to 1892. President, William Genovese, has been with the company for 35 years and under his leadership brought the Boston and Hingham offices together to create one South Shore location at 107 South Street in Hingham. CGI provides both personal and commercial insurance.
CGI enjoys that South Shore Bank is right next to them on South Street in Hingham. Genovese feels fortunate to have the bank as both a neighbor and the servicer of their commercial accounts. “South Shore Bank works hard to make banking easy for businesses.” CGI reports that the bank handles their commercial banking needs not only skillfully, but also personably. “The employees get to know their customers and treat them like family. CGI has built a close relationship with South Shore Bank.”
Hingham Branch Retail Officer Jackie Maffeo who assists with Genovese Business Checking accounts “… is fantastic, she’s always right there for us.” As is John Mannion, Vice-President of Business Banking and Team Leader for Small Business. With his expert knowledge of commercial banking, John has arranged lines of credit for CGI. “I have known John for years, and he is a wonderful person,” says Genovese. Knowing that South Shore Bank’s team can and will handle its needs gives CGI great peace of mind. “Every day, we are dealing with finances in our business, it is crucial that banking goes smoothly. We switched our business accounts over to South Shore Bank and they make banking a piece of cake.”
Both CGI and South Shore Bank are committed to their clients and to the community they serve. The two have been able to work together on a number of community initiative. “We love that we can work together with South Shore Bank supporting town athletics, hosting social events and sponsoring Hingham’s Christmas on the Square. We are committed neighbors,” says Genovese
The commitment to client is top of mind for Genovese. “Our goal is to make sure that we provide coverage that protects our clients to the fullest extent at their time of need.” Hingham is a coastal town and CGI being in such close proximity to the coast, has developed considerable expertise in boating insurance. The company’s expertise in jewelry coverage has earned them member status with the Jewelers Mutual Insurance President’s Club for the past ten years. Additionally, this past year, Genovese received Jewelers Mutual Insurance’s Producer of the Year Award.
Doing business in a town where he has roots, allows Genovese to further connect with his clients. After almost four decades with the company, Genovese says that his favorite aspect of the business is client contact. “Our downtown location allows people to walk right in the door and meet with us personally. I enjoy learning about people—their lives and their businesses. The children of our clients have grown up and become clients. It’s so rewarding to see things come full circle.”
Even in his own business things are coming full circle as, Genovese’s daughter, Rachel recently joined CGI. Previously an accountant for Plymouth Rock, she is working with production and renewals. Genovese is proud that she is offering her skill set to CGI’s exceptional insurance services, right in their hometown.
CGI is happy to bank with an institution that shares its values of serving the client and serving the community.
“When we meet with South Shore Bank, we can figure out something immediately. There is no waiting period; we find an approach right away” D.J. MacKinnon, President, Atlantic Development.
Atlantic Development of Hingham has teamed up with Bozzuto Group of Washington D.C. to create an expansive mixed-use development at the North Quincy MBTA station. The project will feature around 50,000 square feet of retail shops, outdoor dining and 600 top-of-the-market apartments and 1600 parking spaces. Atlantic Development President, D.J. MacKinnon, is thrilled at how the development will benefit South Shore residents by providing resources for the community. It will also generate about $230 million in much-needed revenue for the MBTA.
With regard to their relationship with the South Shore Bank, MacKinnon has worked with the Bank’s CEO James Dunphy and appreciates that the bank can offer tailored solutions for both the borrowing and deposit products they need. “It is important to keep deposits with the bank that have a good return and to have regular access to funds if we need them,” says MacKinnon. “We have a great relationship with South Shore Bank.”
MacKinnon has a long history with construction and development. His father was in the construction business and, after college, he worked with AT&T in their real estate and development section. In the 80’s, he started his own company. “I work hard to make sure the developments meet all our tenant’s needs. We secure the rights to property, go through zoning and permitting, take care of environmental issues and find the right construction company that will build the projects properly.”
With so much to manage, MacKinnon is grateful that banking with South Shore Bank is so efficient. “I appreciate that we can go to the decision makers directly at South Shore Bank,” says MacKinnon. “We can have a dialogue, discuss different options and get instant feedback.”
South Shore Bank customizes its offerings for clients’ needs instead of offering cookie-cutter solutions. This is of great value for Atlantic Development’s ventures. Atlantic Development and the Bozzuto Group formed North Quincy Partners, a limited-liability corporation that is developing the North Quincy mixed-used development. The destination will draw visitors from all around the Boston area: the living spaces and neighborhood retail options will cater to the people in residential buildings nearby, as well as the local community. The project is also focused on providing Quincy residents with easy commuting options, pedestrian and bike lane impro-vements. The collaboration at North Quincy Station is a welcome addition to the community and one that has been facilitated by South Shore Bank’s consummate business banking products, as well as their integrity and unparalleled client service.
“When we meet with South Shore Bank, we can figure out something immediately. There is no waiting period; we find an approach right away,” says MacKinnon.
“. . . the personal attention the Bank gives their clients goes a long way.” Bob Shepard, Owner, Shepard Construction
Bob Shepard of Shepard Construction and Development, LLC has more than 30 years of experience in real estate development, acquisition, construction and property management. His portfolio includes a 370,000 square foot landmark office in Boston, The Cook Estate in Cohasset and many beautiful residential homes. He has also worked internationally, creating a 594-unit Caribbean resort. With such an established and booming business, Bob and his staff need a bank that accommodates busy schedules, while at the same time securely and efficiently managing their accounts.
Bob’s first introduction to South Shore Bank was through the Hingham Branch and its Retail Officer, Jackie Maffeo. Jackie assisted Bob in opening an account and he was immediately impressed by how welcoming she was. “Jackie makes you feel like you belong at South Shore Bank. She is a tremendously sincere person.”
Shepard Construction’s hardworking team also appreciates the quality and convenient service provided by South Shore Bank. Bob’s employees are impressed with how convenient it is to work with South Shore Bank: “Their hours of operation can accommodate people who can’t get to a bank before 4,” says Bob. “My whole staff receives service that is off the charts. When you go to the branch, the Bank’s team takes care of you right away.” In addition to a great experience through the branch, Bob also commends Tom Gillen, South Shore Bank First Vice President and Commercial Lending Officer who brings 40 years of banking experience to his clients.
“Tom is a gentleman,” says Bob. “And he helps the whole lending process go smoothly.” Bob is not only impressed with the service South Shore Bank provides its clients, he also respects South Shore Bank’s commitment to serving its community. “Every charitable event I go to, I see someone from South Shore Bank, including Bank CEO Jim Dunphy. The bank truly participates in the community; and not just in name.” At two recent non-profit organization events, Bob was impressed to see Jackie Maffeo and John Mannion, Vice President Small Business Banking Team leader actively involved in the events. And Bob sees Jim Dunphy at so many community events, he jokes that Jim must have a clone. “He is out there walking the walk,” says Bob. “He is incredibly accessible to all his clients. That is rare for a bank CEO.”
Shepard Construction and Development offers superior craftsmanship for both commercial and residential projects. They are committed to making their clients happy and chose a bank that helps them be efficient and that also shares their devotion to the South Shore community. In closing, Bob understands that “. . . the personal attention the Bank gives their clients goes a long way.” That paired with the fact that “South Shore Bank does so much good for the community,” makes South Shore Bank a company Bob is proud to be affiliated with.
SRC Medical Inc.
“My portfolio manager, Matt Pretti, and even CEO Jim Dunphy pick up the phone every time I call. This isn’t something I’ve experienced with a bank before.” Roy Tinkham, President and Lisa Raasch, Sec./Treasurer of SRC Medical Inc.
Driving down the back roads of Hanover and coming upon a low one-story metal fab building doesn’t give one much pause until you open the door and meet Roy Tinkham and Lisa Raasch and witness the hum and buzz of several immaculate pieces of equipment and well over 50 clean suit clad workers. This is SRC Medical Inc. Started in 1972 by Howard (Ted) C. Tinkham Jr., the FDA/ISO certified facility manufactures molded plastics for some of the most well-known pharmaceutical and medical supply companies. Currently, sister and brother co-own the company with Roy Tinkham serving in the role of President and Lisa as Secretary/Treasurer.
SRC recently transferred its business banking to South Shore Bank. Roy says they had gotten to the point with their former bank were “we just felt like we weren’t that important anymore.” Since making the move to South Shore Bank, Roy and Lisa have been thrilled that not only does the Bank offer all of the business banking services that they need, but also helped them to close on a significant construction loan to expand their manufacturing space very quickly – with the build out due to be completed by the end of this summer. Lisa has been pleased with how efficient South Shore’s Cash Management and Online Banking services have been, “I use Business Online Banking all the time. It’s so easy to use and is so helpful to not have to go to the bank every day.” Most importantly, Roy and Lisa have developed a strong relationship with Matt Pretti, AVP, Portfolio Manager at the Bank. “He picks up the phone every time I call. Even if I call Jim (Dunphy), he gets right on the phone and is very accessible. This isn’t something I’ve experienced with a bank before,” says Roy.
Roy and Lisa are excited to continue to build the company that their father started. Roy is happy to have his sons working alongside him and know that they, like him, have a responsibility to carry on Ted’s legacy. SRC has real growth attitude and Roy knows South Shore Bank is willing and ready to partner with them in their growth.
“Technology has created a new world order - business happens fast . . . Banking needs to keep up . . . and with South Shore Bank it does.” Jason Wolfson, Owner, AirCycler®
AirCycler®, as Jason explains, “designs, manufactures and sells ventilation controllers for energy efficient homes. We are incorporated under the name Lipidex but doing business under the name of the product line AirCycler®.” He has been in business for over 30 years and “in those years I’ve had relationships with a dozen or so banks and now I’ve moved everything to South Shore Bank . . . and it’s been wonderful.” Through South Shore Bank Jason maintains 2 business accounts, a corporate line of credit, a commercial mortgage, and a merchant services account. Additionally, South Shore Bank holds Jason’s personal accounts and his home mortgage.
In our recent conversation with Jason he spoke about what really makes the banking relationship with South Shore Bank work.
In general, Jason points to the fact that South Shore Bank is both big enough to offer the latest technological tools while still being personal enough to be highly responsive to his businesses’ individualized needs.
As far as tools that benefit him and his business, Jason is quick to reference Business Online Banking, a tool which is essential to a business owner who often has work around the clock. Like a true business person, Jason has calculated the time and money he saves with the mobile deposit feature of Online Banking. “Previously, I drove to a local branch two to three times a week to make deposits. Each visit took about 5 minutes . . . but you do that three times a week, 50 weeks a year, that’s 150 visits equaling 10 hours a year – mobile deposits save me all that time. I take my smart phone and click, click, click and I’m done . . . these tools are fantastic!”
Jason also loves the 24/7 access Online Banking provides. “If I need to check balances or move money around I can do it from anywhere. Hey, if I need to pull money out of my corporate account and put it in my personal account, I can do it at 2 o’clock in the morning from Paris.”
International wire transfer is another tool this owner of an international business utilizes. Through South Shore Bank’s Cash Management Services Jason is able to pay foreign vendors securely and in a timely fashion. “Three clicks and I can transfer payments to international vendors and the transfer happens in real time – with other banks there used to be a one-day delay for vendors receiving payments.”
But at the end of the day tools do not replace the importance of great customer service. Jason works specifically with Commercial Lender Mike Healy and the business relationship they have forged is critical for Jason. “Mike sends me emails when I know he’s not in the office – often it’s afterhours or on the weekends – he responds so quickly – it’s fantastic and very reassuring.” Jason says Mike’s knowledge of the financial world; his flexibility and his responsiveness are must haves in his banking relationship.
The tools SSB provide and their excellent client care means I don’t have to spend a lot of time banking. Jason says, “I want to do my banking quickly and easily and most importantly securely. . . South Shore Bank has all the tools to accomplish this so it makes my life really easy. I don’t spend much time on banking . . . I don’t want to . . . I want to spend my time with my customers and developing new products.”
Jason works smart and is dedicated to his business. The speed and enthusiasm with which he talks about business is contagious. Equally contagious is his zest for life. He works hard and plays hard.
In his own words “. . . there’s more to life than just working . . . travel, flying, scuba diving, sky diving . . . I love to explore the world. I want to experience how other people live, try new foods, learn about histories and cultures.” He recently tried learning salsa dancing and when asked how that went he jokes and laughs “. . . eh not well.”
According to Jason, “Technology has created a “new world order” – business happens fast . . . banking needs to keep up and with South Shore Bank it does.”
Sally’s Sweet Shoppe
“The branch employees all know who I am and take great care of me. I love walking into the branch and having them greet me personally!” Sally Pelrine, Owner
When Sally Pelrine was only 12 she had a local paper route and found herself in need of a place to safely store her earnings. Enter the North Weymouth branch of Weymouth Savings Bank (aka South Shore Bank as of 1997), where Sally opened her very first savings account. As Sally progressed through the stages of life, her banking needs continued to grow, leading her to open a checking account and then a joint checking account with her new husband, Glenn Pelrine. Together, Sally and Glenn financed the purchase of their home through South Shore Bank and later took out a South Shore Bank equity line of credit for home improvements.
Although Sally spent many of her career years in office management she never lost sight of her lifelong dream of owning a bakery. In fact, to satisfy her creative side, Sally did cake decorating as a hobby.
Five years ago, Sally found herself taking chocolate making classes. Her husband was of course eager to sample any of Sally’s creations. Realizing his wife’s talents, Glenn encouraged Sally to become more serious about her chocolate making. What began as a hobby transitioned to a home-based business, and in 2013 became a full-scale chocolate company, Sally’s Sweet Shoppe located at 1072 Washington St. in Weymouth.
Of course, launching a business necessitated business accounts. Sally didn’t have to go far. While she was evolving and growing over the years, so was South Shore Bank. The Bank has been able to set Sally up with 3 business accounts that allow her to effectively and efficiently run her business.
Sally utilizes online banking for both her personal and business banking and reports that she “loves it”. The technology is great, but Sally also still enjoys walking into the South Shore Bank’s Shaw’s Plaza Branch in Weymouth. “The branch employees all know who I am and take great care of me. I love walking into the branch and having them greet me personally!” Sally goes on to share that “the branch employees will ask if I am aware of other services offered and because of this, I am able to understand what will best fit my needs. In fact, I recently changed my credit card processing based on their recommendation and will save a lot in processing fees as a result.”
When you enjoy Sally’s chocolates you’re not only enjoying delicious confections, you are participating in a local success story.
South Shore Bank is proud to have partnered with Sally from paper girl to proprietor and Sally reports that she has been a very satisfied client of the Bank for more than 45 years.
NorthStar Insurance Services
“I need a banker I can trust, and I need a bank that supports my industry. I feel that South Shore Bank is that bank.” Ed Pierce of NorthStar Insurance Services
According to Ed Pierce of NorthStar Insurance Services, in the insurance brokerage industry, the company’s biggest asset does not show up on its balance sheet. So, when it comes to banking, it has been essential to find a financial institution that understands his industry. Ed is confident that he has that understanding in South Shore Bank and in his Commercial Banker, Kevin Joyce. “Kevin knows what my business is worth in a fire sale. He knows my business and I value that.”
Ed has known and trusted Kevin since the inception of NorthStar in 1995, well before Kevin’s start with South Shore Bank in 2017. Asked if he was anxious about transferring his loans and business services to Kevin’s new employer, South Shore Bank, Ed says, “I was terrified.” Those fears were eased though, as Mr. Pierce was introduced to others from South Shore Bank including CEO, Jim Dunphy, and longtime commercial lending expert Paul Mollica. “I saw that Jim and Paul were interested in my business and its unique needs and that I wasn’t going to be alone.” Learning that a few of the Bank’s Board members are insurance company owners, further solidified Mr. Pierce’s confidence in South Shore Bank.
Ed grew up in Wellesley the son of an insurance professional. Following in his father’s footsteps, Ed entered the insurance industry, first selling life insurance for 6 years, then working at an insurance brokerage and eventually opening NorthStar in 1995 which is now headquartered in Needham. Ed’s son, a CPA, has also joined NorthStar’s leadership team working to “maintain quality while continuing to grow the company.” NorthStar Insurance Services is one of New England’s largest independent insurance agencies providing business insurance and risk management along with personal insurance.
For Ed, part of the success of his business, now and for the future, means choosing a bank with the track record of success. A self-described conservative businessman, Ed says, “I can’t afford to have my banking relationship go sideways. I need a banker I can trust, and I need a bank that supports my industry. I feel that South Shore Bank is that bank.”
In addition to its commercial loan and business line of credit with the Bank, NorthStar also fully utilizes South Shore Bank’s Cash Management Services. Asked how a business located in Needham conducts business with a bank headquartered in the South Shore town of Weymouth, Ed says the geographic distance is not an issue. “With Business Online banking and South Shore Bank’s willingness to come to me, the relationship works.
From Mr. Pierce’s perspective, “South Shore Bank has all the assets of a big bank while still maintaining the personal feel. That, combined with Kevin Joyce’s expertise in supporting the insurance industry, makes banking with South Shore Bank an easy choice.”
“South Shore Bank gave us immediate personal attention, made the commercial loan process seamless, introduced us to Business Online Banking and even visited me in my show room. After 40 years with another bank it was time for a change. I chose South Shore Bank and I couldn’t be more pleased.” Paige Pieroni, Colony Rug.
Paige Pieroni, owner of Colony Rug, is not just running a business she’s upholding a legacy and South Shore Bank is proud to be part of her story.
Three generations ago, Ms. Pieroni’s Armenian relatives brought the ancient craft of hooked and oriental rug making to the United States. Eventually the business was passed to her grandfather, Gregory Yacobian Sr., then to her mom and dad, Beverly Yacobian and John Martini, and in 2011 to Paige. Unlike other family businesses where the younger generation may feel pressured to become part of the family business, Paige made the conscious choice to leave a long career in sports marketing to take the helm at Colony Rug.
Under Paige’s direction, she has assured that the business stays true to its roots while also evolving and growing to meet her clients’ needs. In 2017 to accommodate the company growth, Colony Rug worked with Commercial Realtor, Brian Murphy of Unicorn Realty to relocate the business from Hanover to Hingham. At this juncture Paige also deemed it was time to seek out a new bank that could accommodate their expansion. Enter South Shore Bank!
Brian, is not only a realtor, but also a corporator at South Shore Bank. He introduced Paige to Tom Gillen, one of South Shore Bank’s trusted commercial lenders. Paige was immediately impressed with Tom and the bank’s business services. “Tom’s been fantastic ever since that first meeting. It was very refreshing having that immediate personal interaction and ease of communication. Not having been through the business loan process before and not knowing what to expect, Tom made it as seamless as possible. We had a 40-year relationship with another bank” Paige continues, “…but with our move from Hanover to the space in Hingham, it was time for a new beginning . . . we chose South Shore Bank and we couldn’t be happier.”
Initially a retail carpet store in Hanover, Colony Rug now operates from their newly purchased 2-level showroom and state of the art warehouse in Hingham providing design services, fabrication and installation of their high-end textiles. Paige and her team, including husband Michael and childhood friend, Michelle O’Grady are proud of their roots and of their ability to grow. “We continue to work locally but now can also service clientele up and down the Eastern Seaboard as well as internationally.
The relationship with South Shore Bank began with a commercial loan but is continually evolving. Colony Rug operates a line of credit with South Shore Bank, and fully embraces the bank’s Business Online Banking and mobile services. “It’s so convenient. I don’t have to go to the bank because the app works so well.” Paige can run her business instead of running to the bank, but she is impressed that she can connect with someone at the bank very quickly when needed. “Often today when you call a business, it means you call a 1-800 number and get dumped into phone tree, but when I call South Shore Bank I immediately get a human being.”
As in her business with her clients, so it is in her relationship with South Shore Bank “Personal attention is critical for me.”
“South Shore Bank really listened to us and gave us exactly what we were looking for . . state of the art technology combined with local, personal attention.” Dianne Sampson, Sampson Lumber.
“Working with South Shore Bank is one of the best decisions we’ve made,” Dianne Sampson is quick to offer when talking about her experience with the us. This year, 2018, marks Sampson Lumber’s 40th year in business. Located in Pembroke, Sampson Lumber is a family owned business specializing in servicing contractors with their extensive supply of building materials: lumber (of course) and additionally, roofing, siding, kitchen cabinets, doors, windows and much more. Although 80% of their business is with contractors, Sampson is also well known to residential customers for their beautiful kitchen design display space.
It was just over a year ago that South Shore Bank Corporator, Don LaLiberte invited Dianne to look into South Shore Bank. Dianne connected with Retail Officer, Cathy Cavicchi, at South Shore Bank’s Pembroke branch about moving their deposits to South Shore Bank. Subsequently, Dianne was introduced to Dan Picha, First Vice President of Commercial Services who structured several credit products designed to meet Sampson’s specific business needs. Both Cathy and Dan are thrilled to be working with Dianne and Sampson Lumber. “As a regional bank, we know the South Shore and we love serving locally based businesses and meeting all their unique business needs,” says Dan.
According to Dianne, the banks that Sampson had previously done business with, had offered them one size fits all, cookie cutter services. Before moving to South Shore Bank, Sampson Lumber interviewed two other banks but it was only South Shore Bank “… that really listened to us and gave us exactly what we were looking for like state of the art technology combined with local, personal attention.”
Besides the great service provided by South Shore Bank, Ms. Sampson reports that Sampson Lumber is saving upwards of $1,000 a month in bank fees. Dianne and her family find South Shore Bank to be “very user friendly and straightforward.” She goes on to say that when she works with South Shore Bank, “I feel like I’m talking to a person, not a stuffed shirt.”
Troupe Waste & Recycling
“I chose to bank with South Shore Bank because like my own business, South Shore Bank is a local business." Doug Troupe, Troupe Waste & Recyling
Troupe Waste and Recycling, founded in 2004, is a local family business with a dedication to quality. Troupe takes pride in their experienced and courteous crews who offer fast and dependable services at competitive prices to both residential and commercial clients. In addition to trash pickup, the company offers single-stream recycling of cardboard, paper, plastic bottles, and aluminum, and rents out Roll-Off dumpsters for construction and cleanouts in 4 different sizes.
Company co-owner, Douglas Troupe, was happy to share his experience banking with South Shore Bank.
Troupe says he “chose to bank with South Shore Bank because like my own business, South Shore Bank is a local business.
The young entrepreneur continued, “with larger banks, getting personalized service has always been an issue, but with South Shore Bank I get personal service and access to products that are customized to my business needs.”
Doug spends much of his time on the road and being able to stop by a branch anywhere from Pembroke to Stoughton is a real plus. The locations throughout the South Shore provide the convenience Troupe is looking for. “It’s so much better than banking with a large corporate machine over a 1-800 number. People are the greatest asset South Shore Bank has. Working with the staff at South Shore Bank has been fantastic – they are sincere about wanting to assist me and my business.”
As a growing business, Troupe Waste and Recycling wanted a bank that could meet their growing needs. “Our relationship with South Shore Bank has grown over the years and will continue to grow into the future,” concludes Troupe.
LaserLight Skin Care
“The services South Shore Bank provided in evaluating my business needs and the financing rates they quoted were far superior to what other banks were offering.” Patty Funder, LaserLight Skin Clinic
LaserLight Skin Clinic, located in Norwell, provides skin rejuvenation treatments, hair removal and teeth whitening services all in a place that is private, cost-effective, professional and welcoming.
Patty Funder previously worked as a Quality Assurance and Regulatory Compliance manager in the Medical Device and Biotech industry, but her entrepreneurial spirit led to her to open the laser clinic in July 2006. “I saw people spending money on skin care methods and products that either did not work, or which were not accessible to the average person,” said Patty. “I created LaserLight to give everyone an opportunity to look his or her best.”
Patty initially learned about South Shore Bank a business networking group to which she belonged. Additionally, Patty’s mother banked at South Shore Bank, and Patty appreciated the care and the personal assistance the bank’s staff showed her mother. When Patty made a decision to grow LaserLight to a new level, she chose South Shore Bank. “The people at South Shore Bank worked with me like they were members of my own business team,” said Patty. “The service they provided in evaluating LaserLight’s needs and the financing rates they quoted, were far superior to what other banks were offering.” Currently, Patty conducts both her business and personal banking with SSB. “The benefits and breadth of South Shore Bank’s personal and business banking services far exceeded anything I was getting at other banks,” said Patty. “I tell people all the time that they should do their banking with South Shore Bank.”
PES Associates, Inc.
“South Shore Bank has all the assets of a big bank but has a neighborhood feel.” Stephan White, PES Associates, Inc.
Stephan White is President of PES Associates, Inc. is headquartered in Hingham. The firm provides environmental and engineering services throughout North America. PES Associates, Inc. clients include several Fortune 500 Companies, local and national banks, investors, developers and industrial companies. PES Associates, Inc. provides their clients the information and expertise needed to make sound real estate decisions. The firm’s services include environmental consulting, property needs assessments, indoor air quality, and remediation. PES Associates, Inc. credits its success to its incredible staff and the successful solutions they deliver to clients.
Stephan says he banks with South Shore Bank “because they understand my needs and are extremely friendly. They know my business and they know me.”
Stephan reports that he has a great relationship with his loan officer who, along with other members of the Bank team, is extremely accessible. “South Shore Bank has all the assets of a big bank but has a neighborhood feel – it’s personal service, not lip service,” shares Stephan. If asked to describe his experience with South Shore Bank in one word, Stephan quickly answers “Exceptional”!