Hingham Institution for Savings
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 is an FDIC-insured savings bank headquartered in Hingham, MA, established in 1834 (FDIC certificate 90211), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.56B, up 0.4% from Q2 2025, the 13th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 14.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90211
- Headquarters
- Hingham, MA
- Established
- 1834
- Total assets, Q2 2026
- $4.56B
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 14.69%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 211370370
- Asset rank in state
- 13th of 89 in Massachusetts
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%. The figures come from its call report filed with the FFIEC.
Hingham Institution for Savings ranks as the 13th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $4.56B, loans rose 0.2% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 39.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.3%. Its 9 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Hingham 4 offices book 71% of its branch deposits. Judged on its Q2 2026 call report, Hingham Institution for Savings meets every capital ratio test for well capitalized.
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
- Domestic offices
- 9 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Hingham Institution for Savings's total assets ranged from $4.36B (Q3 2023) to $4.56B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.56B total assets against $4.54B; $4.05B total liabilities against $4.09B.
$3.90B net loans and leases against $3.93B; $2.61B total deposits against $2.50B.
$176.3M securities against $129.8M; $354.8M cash and balances due against $360.0M.
$52.9M total interest income against $51.3M; $29.2M total interest expense against $33.2M.
$23.6M net interest income against $18.1M.
$341K total noninterest income against $291K; $9.0M total noninterest expense against $7.6M.
$500K provision for credit losses against $450K.
$25.4M net income against $9.4M.
2.25% return on assets against 0.85%; 2.10% net interest margin against 1.63%.
14.69% CET1 capital ratio against 13.11%; 11.19% tier 1 leverage ratio against 10.03%.
Inside the full Hingham Institution for Savings terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 299 of 4,196, for total assets; its furthest is 954 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.25% (Q1 2026) to 2.25% (Q2 2026) and its net interest margin ran from 1.07% (Q3 2024) to 2.10% (Q2 2026).
| 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
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MA, rank 23 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Hingham Institution for Savings’s latest filed figures and updates each quarter.
Similar banks
Compare Hingham Institution for Savings with peers
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.
Where is Hingham Institution for Savings headquartered?
It is headquartered in Hingham, MA, United States.
When was Hingham Institution for Savings founded?
It was established in 1834, per the FDIC institution directory.
Is Hingham Institution for Savings FDIC-insured?
Yes. It 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.
What is Hingham Institution for Savings's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Hingham Institution for Savings.
Get an email when Hingham Institution for Savings files its next call report, and benchmark it against any peer you choose.
Unlock Hingham Institution for Savings, freeFree account