Hingham Institution for Savings: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 0.89 percentage points in Q2 2026, from 175.07% to 175.96%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Hingham Institution for Savings ranks first in Massachusetts on loan-to-deposit ratio among 89 banks, at 150.46%. Hingham Institution for Savings's loan-to-deposit ratio of 150.46% is well above the 88.20% median for banks in the $1B-10B asset tier, a gap of 62.26 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $354.8M |
| Cash and noninterest-bearing balances to assets | 7.79% |
| Cash and securities | $531.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.41B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 30.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 150.46% |
| Net loans and leases to deposits | 149.33% |
| Loans and leases to core deposits | 175.96% |
| Core deposits to total deposits | 68.29% |
| Brokered deposits to total deposits | 17.22% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 157.81% | 66.40% | $0 | $1.51B |
| Q4 2023 | 166.66% | 66.25% | $0 | $1.69B |
| Q1 2024 | 164.71% | 66.36% | $0 | $1.68B |
| Q2 2024 | 162.74% | 66.22% | $0 | $1.65B |
| Q3 2024 | 157.11% | 67.65% | $0 | $1.53B |
| Q4 2024 | 155.46% | 67.18% | $0 | $1.50B |
| Q1 2025 | 152.59% | 67.62% | $0 | $1.47B |
| Q2 2025 | 158.58% | 66.87% | $0 | $1.57B |
| Q3 2025 | 156.84% | 66.54% | $0 | $1.53B |
| Q4 2025 | 153.00% | 67.93% | $0 | $1.46B |
| Q1 2026 | 149.75% | 68.29% | $0 | $1.41B |
| Q2 2026 | 150.46% | 68.29% | $0 | $1.41B |
Hingham Institution for Savings liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hingham Institution for Savings, freeSource: Call Report Schedules RC and RC-M, 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)