BlastPoint's Banking Scorecard
Hingham Institution for Savings
Community
Specialty: Commercial
MA
FDIC cert 90211
Hingham, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Hingham Institution for Savings has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.85% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 44% in Community
- - Net Interest Margin 1.97% below tier
- - Loan-to-Deposit Ratio 68.82% above tier
- - Non-Interest Income / Assets 0.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+1.9% YoY
+0.3% QoQ
|
+$3.2B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.9B
+0.7% YoY
-0.4% QoQ
|
+$2.9B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$2.6B
+2.3% YoY
+2.1% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.21%
+92.2% YoY
+20.8% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
1.69%
+66.2% YoY
+4.3% QoQ
|
-1.97% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
39.78%
-37.7% YoY
-4.4% QoQ
|
-22.85% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.80%
-2.3% QoQ
|
+0.17% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
151.89%
-1.6% YoY
-2.5% QoQ
|
+68.82% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.31%
+15.1% YoY
+5.8% QoQ
|
-2.74% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.69%
-2.9% QoQ
|
+0.19% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
14.01%
+7.1% YoY
+2.6% QoQ
|
+3.76% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.03%
+4.1% YoY
+37.3% QoQ
|
-0.71% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
39.78%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (4)
Credit Risk Growth
risk
#284 of 642 · Bottom 44% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.69%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
151.89%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Loans
Current: $3.9B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
96
96th pctile
Efficiency Ratio
Current: 39.78% · Tier avg: 62.63%
91
91th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 10.24%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.31% · Tier avg: 21.05%
32
32th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
1
1th pctile
Net Interest Margin
Current: 1.69% · Tier avg: 3.66%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
0
0th pctile
Loan-to-Deposit Ratio
Current: 151.89% · Tier avg: 83.06%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 151.89% · Tier avg: 83.06%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
1
1th pctile
Net Interest Margin
Current: 1.69% · Tier avg: 3.66%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.63%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.31% · Tier avg: 21.05%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 10.24%
91
91th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
96
96th pctile
Efficiency Ratio
Current: 39.78% · Tier avg: 62.63%
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
100
100th pctile
Total Loans
Current: $3.9B · Tier avg: $975.5M