Hingham Institution for Savings: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 20.12 percentage points higher than in Q1 2026, at 96.15%. Among 89 Massachusetts banks, Hingham Institution for Savings sits 3rd from the top on return on assets, 2.25% as of Q2 2026. Against a median of 1.27% for banks in the $1B-10B asset tier, Hingham Institution for Savings reported 2.25% on return on assets in Q2 2026, 0.97 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 15.54% |
| Tier 1 leverage ratio | 11.19% |
| Equity capital to assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.59% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 96.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.25% |
| Return on equity | 20.56% |
| Net interest margin | 2.10% |
| Efficiency ratio | 37.50% |
| Yield on earning assets | 4.70% |
| Cost of funds | 2.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 150.46% |
| Core deposits to total deposits | 68.29% |
| Brokered deposits to total deposits | 17.22% |
| Deposits to assets | 57.37% |
| Securities to assets | 3.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.48% | 12.48% | 13.30% | 9.49% | 0.31% |
| Q4 2023 | 12.36% | 12.36% | 13.17% | 9.52% | 0.59% |
| Q1 2024 | 12.62% | 12.62% | 13.43% | 9.54% | 0.63% |
| Q2 2024 | 12.75% | 12.75% | 13.58% | 9.55% | 0.38% |
| Q3 2024 | 13.13% | 13.13% | 13.97% | 9.77% | 0.54% |
| Q4 2024 | 13.08% | 13.08% | 13.90% | 9.87% | 1.04% |
| Q1 2025 | 12.98% | 12.98% | 13.79% | 9.90% | 0.64% |
| Q2 2025 | 13.11% | 13.11% | 13.92% | 10.03% | 0.85% |
| Q3 2025 | 13.65% | 13.65% | 14.48% | 10.25% | 1.54% |
| Q4 2025 | 14.01% | 14.01% | 14.84% | 10.63% | 1.84% |
| Q1 2026 | 14.28% | 14.28% | 15.14% | 10.69% | 0.25% |
| Q2 2026 | 14.69% | 14.69% | 15.54% | 11.19% | 2.25% |
Hingham Institution for Savings vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hingham Institution for Savings, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)