PackageTrendsPeer
Letter portraitLegal landscape

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