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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 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%.
  • 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 (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

NIM

4.49%Q2 ’244.62%Q2 ’254.67%Q2 ’26+71%+28%

Non-interest income vs. expense

0.67%Q2 ’240.68%Q2 ’250.79%Q2 ’26+1%+16%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%1.02%10.63%0.83%1.53%1.83%0.25%2.24%1+140 bps
Return on Equity5.58%10.66%6.56%8.53%15.25%17.61%2.37%20.56%+1,203 bps
Net Interest Margin1.07%1.23%1.45%1.63%1.72%1.86%1.96%2.09%+46 bps
Efficiency Ratio62.28%52.41%45.90%41.24%38.35%35.15%34.96%37.50%-375 bps
Non-Interest Burden0.65%0.63%0.65%0.66%0.64%0.64%0.67%0.76%+11 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