BlastPoint's Banking Scorecard
Hingham Institution for Savings
Hingham, MA
9 branches across MA · DC
Hingham Institution for Savings has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.10% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 2.0% in tier
- - Liquidity Strain: Bottom 41.0% in tier
- - Return on Assets 1.11% below tier average
- - Net Interest Margin 1.81% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+0.5% YoY
+0.1% QoQ
|
+$1.7B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$3.9B
-0.7% YoY
-0.1% QoQ
|
+$1.9B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Top 12.8% in tier |
| Total Deposits ? |
$2.6B
+1.2% YoY
+2.1% QoQ
|
+$277.8M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.25%
-60.5% YoY
-79.2% QoQ
|
-1.11% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.6% in tier |
| Net Interest Margin ? |
2.00%
+36.4% YoY
+18.3% QoQ
|
-1.81% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio ? |
34.96%
-23.8% YoY
-12.1% QoQ
|
-26.10% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Top 4.2% in tier |
| Delinquency Rate ? |
0.98%
+22.5% QoQ
|
+0.09% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
148.64%
-1.9% YoY
-2.1% QoQ
|
+64.43% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.67%
+18.8% YoY
+7.4% QoQ
|
-1.62% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.87%
+27.1% QoQ
|
+0.20% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
14.28%
+10.0% YoY
+2.0% QoQ
|
-0.88% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.01%
+12.5% YoY
-74.2% QoQ
|
-0.25% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.5% in tier |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.