Hingham Institution for Savings

Hingham, MA · Cert 90211

SI · FDIC · 9 branches

Q2 2026

$4.6BAssets

$3.9BLoans

$2.6BDeposits

$507.4MEquity

Loan mix

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.73%	1.00%	1.21%	0.25%	1.24%	+51 bps
Return on Equity	7.55%	10.16%	12.09%	2.37%	11.55%	+400 bps
Net Interest Margin	1.54%	1.58%	1.65%	1.96%	2.02%	+48 bps
Efficiency Ratio	43.44%	41.60%	39.78%	34.96%	36.27%	-717 bps
Non-Interest Burden	0.65%	0.64%	0.64%	0.67%	0.71%	+6 bps
Growth
Asset Growth (YoY)	0.41%	1.83%	1.90%	0.54%	0.38%	-3 bps
Loan Growth (YoY)	-0.03%	1.33%	0.69%	-0.67%	-0.66%	-63 bps
Deposit Growth (YoY)	2.60%	1.50%	2.31%	1.22%	4.71%	+211 bps
Asset Quality
Nonperforming Loans / Loans	0.81%	0.81%	0.79%	0.97%	0.78%	-2 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.70%	0.71%	0.73%	0.74%	0.75%	+5 bps
Allowance Coverage of NPLs	0.9x	0.9x	0.9x	0.8x	1.0x	+0.1x
Capital
Tier 1 Leverage Ratio	10.03%	10.25%	10.63%	10.69%	11.19%	+116 bps
Total Risk-Based Capital	13.92%	14.48%	14.84%	15.14%	15.54%	+162 bps
Equity / Assets	9.82%	10.19%	10.56%	10.61%	11.14%	+132 bps
Liquidity & Funding
Loans / Deposits	158.58%	156.84%	153.00%	149.75%	150.46%	-812 bps
Liquid Assets / Assets	7.89%	7.92%	8.14%	8.51%	7.92%	+3 bps
CRE / Total Capital	n/a	635%	613%	613%	n/a	n/a