Hingham Institution for Savings
Hingham Institution for Savings reported total assets of $4.6 bn at Q2 2026, up 0.4% on a year earlier, the 302nd largest of 497 banks in our US coverage. The CET1 capital ratio at Hingham Institution for Savings was 14.69%, and the uninsured share of Hingham Institution for Savings was 35.83%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Hingham Institution for Savings climbed from 398th to 275th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Hingham Institution for Savings has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 149.33% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
- The net interest margin of Hingham Institution for Savings, 2.07% at , places Hingham Institution for Savings in the bottom tenth of banks of $1 bn to $10 bn (group median 3.66%; FDIC Call Reports).
What sets Hingham Institution for Savings apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower efficiency ratio than Hingham Institution for Savings, at 36.27% in ; the group median is 56.87%.
How large is Hingham Institution for Savings?
The balance sheet of Hingham Institution for Savings at : assets $4.6 bn, deposits $2.6 bn, net loans $3.9 bn (loans equal to 149.33% of deposits). Securities make up 3.9% of total assets at Hingham Institution for Savings. Since , when Hingham Institution for Savings held $1.8 bn, its assets grew 146.3%. In the year to , deposits at Hingham Institution for Savings rose 4.7% while its total assets rose 0.4%. At , Hingham Institution for Savings employed 94 full-time equivalent staff across 9 offices, about $48.5 mn of assets per employee and $290.5 mn of deposits per office.
How much funding at Hingham Institution for Savings is uninsured?
At Hingham Institution for Savings, uninsured deposits (above the FDIC limit) made up 35.83% of domestic deposits at (+0.32 pp on a year earlier); Hingham Institution for Savings ranks 242nd of 500 on this measure. In dollars, Hingham Institution for Savings estimated $936.8 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +4.7% | 401st of 499 |
| Net loans and leases | $3.9 bn | -0.7% | 264th of 500 |
| Loan-to-deposit ratio | 149.33% | -8.14 pp | 5th of 500 |
| Tier 1 leverage ratio | 11.19% | +1.16 pp | 155th of 500 |
| Total risk-based capital ratio | 15.54% | +1.62 pp | 136th of 448 |
| Net interest margin | 2.07% | +0.51 pp | 479th of 500 |
| Return on assets (ROA) | 1.24% | +0.51 pp | 279th of 500 |
| Efficiency ratio | 36.27% | -7.17 pp | 40th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $103,000 | Narrowed by $282,000 | |
| Noncurrent loans to total loans | 0.78% | -0.02 pp | 305th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 50th of 500 (1 = lowest) |
US rank of Hingham Institution for Savings: 1 = highest unless marked 1 = lowest.
Balance sheet
Hingham Institution for Savings: assets, deposits and loans
- Total assets $4.6bn
- Deposits $2.6bn
- Net loans $3.9bn
Capital and securities
The CET1 ratio of Hingham Institution for Savings stood at 14.69% in , +1.58 pp year on year. Low and high at Hingham Institution for Savings since : 10.76% () to 14.69% (). Equity capital of Hingham Institution for Savings at : $507.4 mn, or 11.1% of total assets. Hingham Institution for Savings also reported a total capital ratio of 15.54% for , and a tier 1 leverage ratio of 11.19%.
On held-to-maturity securities, Hingham Institution for Savings carried an unrealized loss of $103,000 at , equal to 0.0% of equity capital. The loss narrowed by $282,000 over the year. Its deepest point: $572,000 in .
Hingham Institution for Savings: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
Hingham Institution for Savings: unrealized securities gains and losses
- Available for sale $0
- Held to maturity -$103,000
Profitability and loan quality
For the year to , Hingham Institution for Savings earned a return on equity of 11.55%; return on assets: 1.24%. Net interest margin at Hingham Institution for Savings: 2.07%, +0.51 pp in a year. Hingham Institution for Savings net income: $28.3 mn, up 71.1% year on year. The efficiency ratio of Hingham Institution for Savings was 36.27%: about 36 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 0.78% of total loans at Hingham Institution for Savings; net charge-offs: 0.00% of average loans. Gross loans and leases at Hingham Institution for Savings: $3.9 bn, down 0.7% in a year.
Hingham Institution for Savings: profitability
- Return on equity 12%
- Net interest margin 2.1%
- Return on assets 1.2%
Peer group of Hingham Institution for Savings
The peer group of Hingham Institution for Savings is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Hingham Institution for Savings (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Massachusetts. Against them, Hingham Institution for Savings shows CET1 ratio 14.69% against a peer median of 18.91%, return on equity 11.55% against a peer median of 12.68% and uninsured deposit share 35.83% against a peer median of 27.67%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| PeoplesBank | State-chartered stock savings bank | MA | $4.6 bn | 12.39% | 4.83% | 26.30% | |
| VeraBank | National bank | TX | $4.6 bn | 17.27% | 14.09% | 29.04% | |
| International Bank of Commerce | State nonmember bank | TX | $4.6 bn | 28.73% | 13.76% | 30.10% | |
| Hingham Institution for Savings | State-chartered stock savings bank | MA | $4.6 bn | 14.69% | 11.55% | 35.83% | |
| First State Community Bank | State nonmember bank | MO | $4.5 bn | 14.35% | 14.93% | 22.97% | |
| Texas Exchange Bank | State nonmember bank | TX | $4.5 bn | 30.06% | 4.95% | 1.30% | |
| First Federal Bank | Federal savings bank | FL | $4.5 bn | 20.56% | 11.61% | 40.67% | |
. FDIC Call Reports.
Last eight quarters
Two years at Hingham Institution for Savings, to : assets +2.4%, deposits +5.6%, equity +20.3%. Staff 85 to 94.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.4 bn | $4.5 bn | $4.5 bn | $4.5 bn | $4.5 bn | $4.5 bn | $4.5 bn | $4.6 bn |
| Total deposits | $2.5 bn | $2.5 bn | $2.6 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Bank equity capital | $421.7 mn | $431.8 mn | $437.6 mn | $445.8 mn | $461.7 mn | $479.7 mn | $482.7 mn | $507.4 mn |
| CET1 ratio | 13.13% | 13.08% | 12.98% | 13.11% | 13.65% | 14.01% | 14.28% | 14.69% |
| Return on equity (ROE) | 5.40% | 6.74% | 6.56% | 7.55% | 10.16% | 12.09% | 2.37% | 11.55% |
| Uninsured share of domestic deposits | 35.16% | 35.44% | 36.81% | 35.51% | 34.89% | 35.29% | 36.96% | 35.83% |
| Full-time equivalent employees | 85 | 88 | 90 | 92 | 94 | 94 | 94 | 94 |
| Number of offices | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Hingham Institution for Savings appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Hingham Institution for Savings?
Hingham Institution for Savings reported $4.6 bn at in its Call Report. That makes Hingham Institution for Savings the 302nd largest of 497 banks in our US coverage.
Is Hingham Institution for Savings profitable?
Hingham Institution for Savings reported net income of $28.3 mn for the year to ; annualized return on equity: 11.55%. So yes: Hingham Institution for Savings made a profit over these months.
When is data for Hingham Institution for Savings next updated?
Figures from Hingham Institution for Savings for are due after .
Where can I check the figures for Hingham Institution for Savings?
In the FDIC BankFind Suite record for certificate 90211, and in the Call Reports of Hingham Institution for Savings (RSSD ID 673909) at the FFIEC Central Data Repository.