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 2.24%, up 140 bps year over year; NIM at 2.09%.
Asset quality: problem loans at 0.78% of loans (-2 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

2.24%¹+140 bps YoY

Net Interest Margin (quarter, annualized)

2.09%+46 bps YoY

Efficiency Ratio (quarter, annualized)

37.50%-375 bps YoY

Tier 1 Leverage Ratio

11.19%+116 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.83%	1.53%	1.83%	0.25%	2.24%¹	+140 bps
Return on Equity	8.53%	15.25%	17.61%	2.37%	20.56%	+1,203 bps
Net Interest Margin	1.63%	1.72%	1.86%	1.96%	2.09%	+46 bps
Efficiency Ratio	41.24%	38.35%	35.15%	34.96%	37.50%	-375 bps
Non-Interest Burden	0.66%	0.64%	0.64%	0.67%	0.76%	+11 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