Hingham Institution for Savings
Hingham, Massachusetts · $4.56B in assets · beside the 11 other Massachusetts banks between $3B and $10B
The filing
Hingham Institution for Savings is the eighth largest of the 12 Massachusetts banks nearest its size between $3B and $10B, with $4.56B in assets at 30 June 2026. Loans are 150.5% of deposits, the highest in the cohort against a median of 102.7%, and equity is 11.1% of assets, 6th of 12. Loans grew -0.7% in the year, 11th of 12, and deposits grew 4.7%; the cohort's median loan growth is +3.5%.
Noncurrent loans are 0.78% of the book, 10th of 12 against a median of 0.57%; 0.01% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 71.6% of loans, the highest in the cohort against a median of 33.5%, and 525% of capital, above the 300% screen, with construction at 42% against the 100% screen.
Return on assets is 1.25%, 2nd of 12 against a median of 0.92%, on an efficiency ratio of 36.3%, the lowest in the cohort. Five years ago it was 2.55%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 3.7% of loans).
Commercial real estate against capital
| Hingham Institution for Savings | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 525% | 12th of 12 | 212% |
| Construction against capital, the 100% screen | 42% | 10th of 12 | 26% |
| Construction and land development, share of loans | 5.7% | 8th of 12 | 4.2% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 26.3% | 10th of 12 | 18.3% |
| Total CRE, the guidance definition, share of loans | 71.6% | 12th of 12 | 33.5% |
| CRE growth over 36 months, the third prong | +9.2% | 7th of 12 | +7.5% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $7.42B | 1.0% | 59.3% | 0.43% | 0.45% | 1.3% | 102.6% | 10.9% | |
| $6.98B | 0.4% | 75.9% | 1.26% | 0.09% | 1.0% | 108.8% | 10.2% | |
| $6.15B | 0.7% | 68.2% | 0.33% | 0.01% | 0.9% | 73.2% | 13.1% | |
| $5.62B | 0.7% | 71.8% | 0.47% | 0.02% | 0.5% | 95.7% | 10.6% | |
| $5.56B | 1.1% | 74.0% | 0.04% | 0.00% | 0.3% | 126.5% | 12.5% | |
| $5.28B | 0.9% | 63.4% | 0.03% | 0.00% | 1.0% | 102.9% | 10.5% | |
| $4.62B | 0.4% | 72.0% | 0.57% | 0.21% | 0.6% | 100.3% | 8.9% | |
| $4.56B | 1.2% | 36.3% | 0.78% | 0.00% | 0.8% | 150.5% | 11.1% | |
| $3.38B | 1.9% | 47.1% | 2.07% | 0.07% | 2.2% | 102.9% | 14.1% | |
| $3.32B | 1.0% | 60.9% | 0.58% | 0.12% | 0.5% | 92.7% | 14.7% | |
| $3.26B | 0.6% | 77.5% | 0.60% | 0.06% | 0.9% | 103.5% | 14.4% | |
| $3.11B | 1.0% | 58.1% | 0.62% | 0.01% | 1.4% | 83.6% | 7.6% |
| Hingham Institution for Savings | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $2.65B | $3.93B | +49% | $2.29B | $3.86B | +69% |
| Deposits | $2.35B | $2.61B | +11% | $2.46B | $3.44B | +40% |
| NPA / loans | 0.01% | 0.78% | +0.77 pts | 0.45% | 0.57% | +0.13 pts |
| Efficiency | 20.7% | 36.3% | +15.6 pts | 62.2% | 65.8% | +3.6 pts |
| ROA | 2.55% | 1.25% | -1.30 pts | 1.12% | 0.92% | -0.20 pts |
This read was prepared for Hingham Institution for Savings's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Hingham Institution for Savings is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $3B to $10B
Institution www.hinghamsavings.com
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