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Hingham Institution for Savings

Hingham, MA · Cert 90211

SI · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hingham Institution for Savings

Hingham, MA · Cert 90211

SI · FDIC · 9 branches

Q2 2026

$4.6BAssets
$3.9BLoans
$2.6BDeposits
$507.4MEquity
Loan mix
100%RE $3.9B0%C&I $0.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $2.1B19%Noninterest $0.5BQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.4% share · #20 of 100 inst. · $2.2B of $580.3B

10.6% Plymouth
0.5% District of Columbia
12.6% Nantucket
0.2% Norfolk

Executive Summary

  • Earnings: ROA of 1.24%, up 51 bps year over year; NIM at 2.02%.
  • Asset quality: problem loans at 0.78% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.19%, up 116 bps from a year ago.
  • Funding: loans stand at 150.46% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.24%+51 bps YoY

Net Interest Margin (YTD, annualized)

2.02%+48 bps YoY

Efficiency Ratio (YTD, annualized)

36.27%-717 bps YoY

Tier 1 Leverage Ratio

11.19%+116 bps YoY

NIM

4.42%Q2 ’244.55%Q2 ’254.62%Q2 ’26+72%+32%

Non-interest income vs. expense

0.67%Q2 ’240.68%Q2 ’250.74%Q2 ’26+2%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%10.63%10.63%0.73%1.00%1.21%0.25%1.24%+51 bps
Return on Equity5.40%6.74%6.56%7.55%10.16%12.09%2.37%11.55%+400 bps
Net Interest Margin0.96%1.02%1.45%1.54%1.58%1.65%1.96%2.02%+48 bps
Efficiency Ratio68.84%63.89%45.90%43.44%41.60%39.78%34.96%36.27%-717 bps
Non-Interest Burden0.65%0.64%0.65%0.65%0.64%0.64%0.67%0.71%+6 bps
Growth
Asset Growth (YoY)2.13%-0.59%-0.13%0.41%1.83%1.90%0.54%0.38%-3 bps
Loan Growth (YoY)1.43%-1.03%-0.35%-0.03%1.33%0.69%-0.67%-0.66%-63 bps
Deposit Growth (YoY)1.89%6.11%7.57%2.60%1.50%2.31%1.22%4.71%+211 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.05%0.81%0.81%0.79%0.97%0.78%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.69%0.69%0.69%0.70%0.71%0.73%0.74%0.75%+5 bps
Allowance Coverage of NPLs16.6x17.7x14.9x0.9x0.9x0.9x0.8x1.0x+0.1x
Capital
Tier 1 Leverage Ratio9.77%9.87%9.90%10.03%10.25%10.63%10.69%11.19%+116 bps
Total Risk-Based Capital13.97%13.90%13.79%13.92%14.48%14.84%15.14%15.54%+162 bps
Equity / Assets9.48%9.69%9.67%9.82%10.19%10.56%10.61%11.14%+132 bps
Liquidity & Funding
Loans / Deposits157.11%155.46%152.59%158.58%156.84%153.00%149.75%150.46%-812 bps
Liquid Assets / Assets8.07%7.91%7.93%7.89%7.92%8.14%8.51%7.92%+3 bps
CRE / Total Capitaln/an/an/an/a635%613%613%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hingham Institution for Savings

Hingham, MA · Cert 90211 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27)

SI · FDIC · 9 branches

Q2 2026

$4.6BAssets
$3.9BLoans
$2.6BDeposits
$507.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 27).
  • Widest gap: net interest margin trails 96% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 26 of 27).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.24%

Rank 4 of 27

Net Interest Margin

2.02%

Rank 26 of 27

Efficiency Ratio

36.27%

Rank 2 of 27

Equity / Assets

11.14%

Rank 14 of 27

Non-interest income vs. expense

$1.3M$33.7MINCOMEEXPENSE
Unfavorable gap of $32.4M · efficiency ratio beats 96% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 36.27%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.24%0.48%0.78%0.99%Beats 85%4 / 27
Return on Equity11.15%5.50%7.06%8.20%Beats 89%3 / 27
Net Interest Margin2.02%2.49%2.70%3.34%Beats 4%26 / 27
Efficiency Ratio36.27%59.27%68.19%75.85%Beats 96%2 / 27
Asset Quality
Nonperforming Loans / Loans0.78%0.20%0.58%1.15%Beats 41%17 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%5 / 27
Capital
Tier 1 Capital Ratio14.69%13.21%14.69%16.81%Beats 48%14 / 27
Total Risk-Based Capital Ratio15.54%13.71%15.43%18.07%Beats 52%13 / 27
Equity / Assets11.14%9.62%11.14%13.14%Beats 48%14 / 27
Liquidity & Funding
Loans / Deposits150.46%91.42%101.19%107.11%96th pctl1 / 27
Loans / Assets86.33%75.31%80.56%83.39%89th pctl3 / 27
Brokered Deposits / Depositsn/aNot reported for this institution