Hingham Institution for Savings: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hingham Institution for Savings of Hingham, MA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.25% | 1.34% | +0.91% | 92nd top |
| ROAE | 20.56% | 12.40% | +8.16% | 90th top |
| Net Interest Margin | 2.10% | 3.83% | -1.73% | 2nd bottom |
| Efficiency Ratio | 37.50% | 57.84% | -20.34% | 94th top |
| PPNR / Avg Assets | 1.32% | — | — | 27th below |
| Yield on Earning Assets | 4.70% | 5.71% | -1.01% | 11th bottom |
| Cost of Funds | 2.92% | 2.02% | +0.90% | 10th bottom |
| Net Interest Spread | 1.37% | — | — | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 1.00% | -0.22% | 42nd below |
| NPA / Total Assets | 0.78% | — | — | 33rd below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 0.75% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 96.15% | — | — | 28th below |
| Texas Ratio | 6.59% | 5.47% | +1.12% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.69% | 14.99% | -0.30% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.69% | 15.02% | -0.33% | 66th above |
| Total Capital Ratio | 15.54% | — | — | 64th above |
| Leverage Ratio | 11.19% | 11.11% | +0.08% | 64th above |
| Equity / Assets | 11.14% | 11.02% | +0.12% | 62nd above |
| TCE / Tangible Assets | 11.14% | — | — | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 150.46% | 86.99% | +63.47% | 1st bottom |
| Core Deposit Ratio | 68.29% | 85.57% | -17.28% | 7th bottom |
| Uninsured Deposit Ratio | 35.83% | 33.19% | +2.64% | 36th below |
| Wholesale Funding Ratio | 30.84% | — | — | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.38% | — | — | 17th bottom |
| Loan Growth (Y/Y) | -0.66% | — | — | 14th bottom |
| Deposit Growth (Y/Y) | 4.71% | — | — | 47th below |
See Hingham Institution for Savings's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hingham Institution for Savings, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hingham Institution for Savings profile, how to read a UBPR, or how this data updates.