Hingham Institution for Savings: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 25.20 percentage points lower than in Q1 2026, at 524.76%. Hingham Institution for Savings has the highest loan-to-deposit ratio of the 89 banks headquartered in Massachusetts, 150.46% as of Q2 2026. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.93B |
| Net loans and leases | $3.90B |
| Loans held for sale | $0 |
| Loans to total assets | 86.33% |
| Loan-to-deposit ratio | 150.46% |
| Net loans to equity capital | 7.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.05% |
| Multifamily (5+ residential) | 39.57% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 524.76% |
| Construction concentration (Tier 1 capital + allowance) | 42.09% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.90% |
| Interest income on loans | $48.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.84B | $2.43B | 30.51% | 0.00% | 0.01% |
| Q4 2023 | $3.94B | $2.36B | 29.57% | 0.00% | 0.01% |
| Q1 2024 | $3.97B | $2.41B | 28.87% | 0.00% | 0.01% |
| Q2 2024 | $3.96B | $2.43B | 28.93% | 0.00% | 0.01% |
| Q3 2024 | $3.89B | $2.48B | 28.95% | 0.00% | 0.01% |
| Q4 2024 | $3.90B | $2.51B | 29.81% | 0.00% | 0.00% |
| Q1 2025 | $3.95B | $2.59B | 30.34% | 0.00% | 0.00% |
| Q2 2025 | $3.96B | $2.50B | 29.73% | 0.00% | 0.00% |
| Q3 2025 | $3.94B | $2.51B | 30.87% | 0.00% | 0.00% |
| Q4 2025 | $3.93B | $2.57B | 30.76% | 0.00% | 0.00% |
| Q1 2026 | $3.93B | $2.62B | 30.45% | 0.00% | 0.00% |
| Q2 2026 | $3.93B | $2.61B | 30.05% | 0.00% | 0.00% |
Hingham Institution for Savings loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hingham Institution for Savings, freeSource: Call Report Schedule RC-C, 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)