Hingham Institution for Savings: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.52 percentage points to 11.14%. Within Massachusetts, Hingham Institution for Savings is 26th of 59 on CET1 ratio, 14.69% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Hingham Institution for Savings sits 1.19 points higher, at 14.69% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 15.54% |
| Tier 1 leverage ratio | 11.19% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $507.4M |
| Tier 1 capital | $507.4M |
| Total risk-based capital | $536.9M |
| Total equity capital | $507.4M |
| Risk-weighted assets | $3.45B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
| Equity capital to average assets | 11.19% |
| Internal capital growth rate | 19.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $18.1M |
| Retained earnings | $487.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $53K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.48% | 12.48% | 13.30% | 9.49% | $3.22B |
| Q4 2023 | 12.36% | 12.36% | 13.17% | 9.52% | $3.30B |
| Q1 2024 | 12.62% | 12.62% | 13.43% | 9.54% | $3.28B |
| Q2 2024 | 12.75% | 12.75% | 13.58% | 9.55% | $3.27B |
| Q3 2024 | 13.13% | 13.13% | 13.97% | 9.77% | $3.21B |
| Q4 2024 | 13.08% | 13.08% | 13.90% | 9.87% | $3.30B |
| Q1 2025 | 12.98% | 12.98% | 13.79% | 9.90% | $3.37B |
| Q2 2025 | 13.11% | 13.11% | 13.92% | 10.03% | $3.40B |
| Q3 2025 | 13.65% | 13.65% | 14.48% | 10.25% | $3.38B |
| Q4 2025 | 14.01% | 14.01% | 14.84% | 10.63% | $3.42B |
| Q1 2026 | 14.28% | 14.28% | 15.14% | 10.69% | $3.38B |
| Q2 2026 | 14.69% | 14.69% | 15.54% | 11.19% | $3.45B |
Hingham Institution for Savings regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hingham Institution for Savings, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hingham Institution for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90211) · FFIEC NIC profile (RSSD 673909)