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Hingham Institution for Savings
Hingham, MA·FDIC Cert #90211·Charter: STATE·Est. 18340402.0
Total Assets
$4.5B
Q4 2025
Return on Assets
1.21%
+0.21%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
39.78%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.21%+0.21
ROE
12.09%+1.93
Efficiency
39.78%-1.82
Equity/Assets
0.00%+0.00
NPL Ratio
0.80%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
151.89%-3.84
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.5 | 0.5 | 0.6 | 0.6 | 0.7 | 1.0 | 1.2 |
| ROE | 6.7 | 5.3 | 5.4 | 6.7 | 6.6 | 7.5 | 10.2 | 12.1 |
| Efficiency | 77.3 | 72.7 | 68.8 | 63.9 | 45.9 | 43.4 | 41.6 | 39.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.8 | 0.8 | 0.8 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 163.6 | 161.6 | 156.0 | 154.4 | 151.5 | 157.5 | 155.7 | 151.9 |
Balance Sheet
Total Assets$4.5B
Total Deposits$2.6B
Total Loans$3.9B
Total Equity$479.7M
Profitability
ROA1.21%
ROE12.09%
Efficiency Ratio39.78%
Net Income$54.6M
Risk & Asset Quality
NPL Ratio0.80%
Charge-off Rate0.00%
Loan/Deposit151.89%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans