Hingham Institution for Savings: Financial Reports & UBPR Data
BankRegReports is independent of Hingham Institution for Savings and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Hingham Institution for Savings, based in Hingham, Massachusetts, reported $4.6 billion in assets at June 30, 2026. It keeps 2.10 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 2.92% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $19 million on paper in the quarter, out of $33 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Loans and deposits moved in opposite directions: over the year loans fell 0.7% and deposits rose 4.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 5.2 times its capital, 2.3 times the median of 2.2 times for banks its size.
As of June 30, 2026, Hingham Institution for Savings reported a CET1 capital ratio of 14.69%, a return on assets of 2.25%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 6.59%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 55 Main St, Hingham, MA 02043
- County
- Plymouth
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 2, 1834
- Offices
- 9 domestic
- Employees (FTE)
- 94
- Domestic deposits
- $2.61B
- Allowance for credit losses
- $29.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $4.53B
- Average total loans
- $3.93B
- Average interest-bearing deposits
- $2.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 1, 1985
- FDIC Cert
- 90211
- Fed RSSD
- 673909
- SEC CIK
- 2044671 →
- Website
- www.hinghamsavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Hingham Institution for Savings terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Hingham Institution for Savings, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Hingham Institution for Savings rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.69% | 2.25% | 0.78% | 6.59% | 2.10% |
| Q1 2026 | 14.28% | 0.25% | 0.97% | 7.77% | 1.98% |
| Q4 2025 | 14.01% | 1.84% | 0.79% | 6.14% | 1.87% |
| Q3 2025 | 13.65% | 1.54% | 0.81% | 6.55% | 1.73% |
| Q2 2025 | 13.11% | 0.85% | 0.81% | 6.73% | 1.63% |
| Q1 2025 | 12.98% | 0.64% | 0.05% | 0.39% | 1.46% |
| Q4 2024 | 13.08% | 1.04% | 0.04% | 0.33% | 1.24% |
| Q3 2024 | 13.13% | 0.54% | 0.04% | 0.36% | 1.07% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hingham Institution for Savings (main office) | Hingham , MA | 02043 | $1.75B |
| Washington D.C. Branch | Washington , DC | 20007 | $266.8M |
| Nantucket Branch | Nantucket , MA | 02554 | $158.9M |
| Cohasset Branch | Cohasset , MA | 02025 | $117.8M |
| Boston Branch | Boston , MA | 02116 | $112.2M |
| Linden Ponds Branch | Hingham , MA | 02043 | $105.9M |
| Nantasket Avenue Branch | Hull , MA | 02045 | $102.6M |
| Drive-In Branch | Hingham , MA | 02043 | $0 |
| Main Office Administration Branch | Hingham , MA | 02043 | $0 |
Regulatory record
What the public regulatory sources show for Hingham Institution for Savings, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in MA, rank 23 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Hingham Institution for Savings’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Hingham Institution for Savings with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Hingham Institution for Savings
What are Hingham Institution for Savings's total assets?
As of the Q2 2026 filing, Hingham Institution for Savings reported total assets of $4.56 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hingham Institution for Savings headquartered?
Hingham Institution for Savings is headquartered in Hingham, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Hingham Institution for Savings founded?
Hingham Institution for Savings was established in 1834, per the FDIC institution directory.
Is Hingham Institution for Savings FDIC-insured?
Yes. Hingham Institution for Savings is an FDIC-insured savings bank (FDIC Certificate #90211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hingham Institution for Savings?
Hingham Institution for Savings's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hingham Institution for Savings's CET1 capital ratio?
Hingham Institution for Savings reported a Common Equity Tier 1 (CET1) capital ratio of 14.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hingham Institution for Savings operate?
Hingham Institution for Savings operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hingham Institution for Savings's Texas Ratio?
Hingham Institution for Savings's Texas Ratio is 6.59% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Hingham Institution for Savings.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Hingham Institution for Savings, freeFree account