TellerScore

Hingham Institution for Savings (FDIC certificate #90211) is based in Hingham, Massachusetts. Its Q2 2026 call report shows $4.6B in total assets and $2.6B in deposits and 9 offices across 2 states.

Hingham Institution for Savings has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 45th. Problem-loan coverage contributes the most (87/100, 6.6%); funding & liquidity contributes the least (27/100, 149% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.19%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.78%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity27/100
Loans ÷ deposits and uninsured-deposit share: 149.3% · 35.8% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.59%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (56 → 64), mostly because the earnings component improved by 21 points.

TellerScore
525864Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202463
Q1 202562
Q2 202556
Q3 202559
Q4 202562
Q1 202652
Q2 202664
Tier 1 leverage ratio
5.00%8.10%11.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.55%
Q3 20249.77%
Q4 20249.87%
Q1 20259.90%
Q2 202510.03%
Q3 202510.25%
Q4 202510.63%
Q1 202610.69%
Q2 202611.19%
Noncurrent loans
0.04%0.51%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.04%
Q1 20250.05%
Q2 20250.81%
Q3 20250.81%
Q4 20250.79%
Q1 20260.97%
Q2 20260.78%
Return on assets
0.25%0.75%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.50%
Q4 20240.63%
Q1 20250.63%
Q2 20250.73%
Q3 20251.00%
Q4 20251.21%
Q1 20260.25%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$4.6B11.19%0.78%1.24%149.3%
Q1 202652$4.5B10.69%0.97%0.25%148.6%
Q4 202562$4.5B10.63%0.79%1.21%151.9%
Q3 202559$4.5B10.25%0.81%1.00%155.7%
Q2 202556$4.5B10.03%0.81%0.73%157.5%
Q1 202562$4.5B9.90%0.05%0.63%151.5%
Q4 202463$4.5B9.87%0.04%0.63%154.4%
Q3 202461$4.4B9.77%0.04%0.50%156.0%
Q2 202461$4.5B9.55%0.04%0.49%161.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.19%
64th
Total risk-based capital15.54%
73rd
Problem loans0.78%
35th
Net charge-offs0.00%
82nd
Return on assets1.24%
49th
Net interest margin2.07%
3rd
Efficiency ratio36.3%
95th
Loans to deposits149.3%
0th
Uninsured deposits35.8%
36th
Loan-loss reserves0.75%
13th
Texas ratio6.6%
28th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
PeoplesBankBank Holyoke, MA57 out of 100, Moderate$4.6B9.3%0.57%vs
Leader Bank, National AssociationBank Arlington, MA71 out of 100, Strong$5.3B11.6%0.03%vs
Institution for Savings in Newburyport and Its VicinityBank Newburyport, MA76 out of 100, Strong$5.6B12.7%0.04%vs
The Cape Cod Five Cents Savings BankBank Hyannis, MA68 out of 100, Moderate$5.6B11.1%0.47%vs
Northern Bank & Trust CompanyBank Woburn, MA69 out of 100, Moderate$3.4B14.6%2.07%vs
Bristol County Savings BankBank Taunton, MA72 out of 100, Strong$3.3B14.4%0.60%vs

Deposit insurance

Is my money safe at Hingham Institution for Savings?

Yes. Hingham Institution for Savings is an FDIC-insured institution (FDIC certificate #90211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.8% of deposits ($936.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.54% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Hingham Institution for Savings lists 7 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hingham Institution for Savings
Type
SI
FDIC certificate #
90211
RSSD ID
673909
Primary regulator
FDIC
Established
April 2, 1834
Headquarters
55 Main St, Hingham, MA 02043
Employees
94

Quick answers

Hingham Institution for Savings: common questions

Is Hingham Institution for Savings FDIC insured?

Yes. Hingham Institution for Savings is an FDIC-insured institution (FDIC certificate #90211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hingham Institution for Savings's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hingham Institution for Savings ever failed?

There is no failure record for FDIC certificate #90211 in the FDIC failed bank list.

How many branches does Hingham Institution for Savings have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Hingham

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs