BlastPoint's Banking Scorecard

Hingham Institution for Savings

$1B-$10B Specialty: Commercial MA FDIC cert 90211

Hingham, MA

9 branches across MA · DC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +4.7% year over year ($2.6B on the books).
Delinquency rate 0.79%.
Return on assets 1.24%.
Efficiency ratio 36.27% vs a 59.73% peer average.
Loan-to-deposit ratio 149.33% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA

View $1B-$10B leaderboard (MA) →

Hingham Institution for Savings has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 23.46% below tier average
+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 47.9% in tier
- Net Interest Margin 1.80% below tier average
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.15% below tier average

Get updates when Hingham Institution for Savings releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$4.6B +0.4% YoY +0.2% QoQ	+$1.8B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$3.9B -0.7% YoY +0.2% QoQ	+$1.9B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 12.4% in tier
Total Deposits ?	$2.6B +4.7% YoY -0.3% QoQ	+$295.5M	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	1.24% +69.5% YoY +395.8% QoQ	-0.15%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	49%
Net Interest Margin ?	2.07% +33.0% YoY +3.3% QoQ	-1.80%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 2.0% in tier
Efficiency Ratio ?	36.27% -16.5% YoY +3.7% QoQ	-23.46%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Top 4.5% in tier
Delinquency Rate ?	0.79% -2.9% YoY -19.7% QoQ	-0.08%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	149.33% -5.2% YoY +0.5% QoQ	+64.29%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 0.6% in tier
Non-Interest-Bearing Deposit Share ?	19.38% +10.2% YoY -1.5% QoQ	-1.89%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	48%
Nonperforming Asset Ratio ?	0.78% +10.6% YoY -11.1% QoQ	+0.10%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	14.69% +12.0% YoY +2.8% QoQ	-0.16%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.01% +14.8% YoY +112.5% QoQ	-0.51%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 1.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	19.4% +1.8pp YoY -0.3pp QoQ	-2.0pp	21.4%	16.2%	22.2%	47%
Brokered Deposits	17.2% -0.1pp YoY 0.0pp QoQ	+7.8pp	9.5%	6.1%	8.5%	85%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	0.0% 0.0pp YoY 0.0pp QoQ	-14.0pp	14.0%	6.5%	12.5%	0%
CRE	75.9% +1.1pp YoY 0.0pp QoQ	+25.9pp	50.0%	40.3%	41.4%	94%
1-4 Family	24.8% -1.0pp YoY 0.0pp QoQ	-1.6pp	26.4%	52.4%	31.3%	54%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	1.6%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	14.7% +1.6pp YoY +0.4pp QoQ	-0.9pp	15.6%	16.6%	19.7%	67%
Leverage Ratio	11.2% +1.2pp YoY +0.5pp QoQ	-0.1pp	11.3%	11.5%	12.6%	64%
Total Capital Ratio	15.5% +1.6pp YoY +0.4pp QoQ	-1.2pp	16.7%	17.5%	20.8%	64%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	94 +2 (+2.2%) YoY 0 QoQ	-220	313	755	482	6%
Assets per Employee ($)	$48.5M -1.8% YoY +0.2% QoQ	+$38.0M	$10.5M	$10.7M	$8.8M	99%
Branch Count	9 0 YoY 0 QoQ	-11	20	13	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.8% 0.0pp YoY -0.2pp QoQ	0.0pp	0.8%	0.8%	1.0%	65%
Allowance Coverage	0.96x +10.6% YoY +26.5% QoQ	-17.75x	18.71x	7.95x	20.23x	22%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	11.6% +4.0pp YoY +9.2pp QoQ	-1.0pp	12.6%	5.6%	11.6%	46%
Cost of Funds (YTD)	2.7% -0.4pp YoY 0.0pp QoQ	+0.7pp	1.9%	2.0%	1.7%	89%
Net Income ($, YTD)	$28.3M +71.1% YoY — QoQ	+$9.1M	$19.2M	$31.7M	$40.4M	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#174 of 361 • Bottom 47.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 149.33%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 36.27%

Peer Median: 59.73%

#41 of 885 Top 4.5% in $1B-$10B

111

Total Loans

size

Value: $3.90B

Peer Median: $1.96B

#111 of 885 Top 12.4% in $1B-$10B

145

Total Assets

size

Value: $4.56B

Peer Median: $2.79B

#145 of 885 Top 16.3% in $1B-$10B

Top Weaknesses (3 metrics)

881

Loan-to-Deposit Ratio

liquidity

Value: 149.33%

Peer Median: 85.04%

#881 of 885 Bottom 0.6% in $1B-$10B

873

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.53%

#873 of 885 Bottom 1.5% in $1B-$10B

868

Net Interest Margin

profitability

Value: 2.07%

Peer Median: 3.87%

#868 of 885 Bottom 2.0% in $1B-$10B