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55 Main Street
Hingham, MA 02043

Hingham Institution for Savings is headquartered in Hingham and is the 22nd largest bank in the state of Massachusetts. It is also the 475th largest bank in the nation. It was established in 1834 and as of March of 2014, it had grown to 120 employees at 12 locations. Hingham Institution for Savings' money market rates are 14% higher than the national average, and it has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hingham Institution for Savings had $7.39 million in non-current loans and owned real-estate with $120.84 million in equity and loan loss allowances on hand to cover it. This gives Hingham Institution for Savings a Texas Ratio of 6.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Hingham Institution for Savings experienced no significant changes from 4.24% as of March 31, 2013 to 6.12% as of March 31, 2014, resulting in a negative change of 44.32%. This indicates that the balance sheet and financial strength for Hingham Institution for Savings has had no significant changes in recent periods.

Deposit Growth


In the past year, Hingham Institution for Savings has increased its total deposits by $134.35 million, resulting in 15.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hingham Institution for Savings has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hingham Institution for Savings has $1.44 billion in assets with $120.84 million in equity, resulting in a capitalization level of 8.39%, which is average.

Institution Statistics

FDIC Certificate #90211
Year Established1834
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.44 billion
Loans$1.13 billion
Deposits$1.02 billion
Equity Capital$112.18 million
Loan Loss Allowance$8.66 million
Unbacked Noncurrent Loans$6.41 million
Real Estate Owned$983,000
Historic Data - March 2013
Assets$1.23 billion
Equity Capital$95.48 million
Loan Loss Allowance$8.22 million
Unbacked Noncurrent Loans$6.41 million
Real Estate Owned$471,000
Profit Margin - Quarterly
Net Interest Margin3.24%
Return on Assets2.68%
Return on Equity34.82%
Interest Income$13.22 million

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Hingham Institution for Savings Savings Account Rates

0.01%--Passbook Savings
0.01%--Statement Savings
0.01%--Club Account

Hingham Institution for Savings Money Market Rates

0.50%$100k-Money Market Account
0.50%$100k-IRA Money Market

Hingham Institution for Savings Checking Account Rates

0.01%--NOW Account

Hingham Institution for Savings CD Rates

2.02%$500-5 Year CD
1.61%$500-4 Year CD
1.26%$500-3 Year CD
1.01%$500-2 1/2 Year CD
0.80%$500-2 Year CD
0.65%$500-18 Month CD
0.60%$500-1 Year CD
0.30%$500-6 Month CD
0.20%$500-91 Day CD

Hingham Institution for Savings IRA Rates

2.02%$500-5 Year IRA
1.61%$500-4 Year IRA
1.26%$500-3 Year IRA
1.26%$500-3 Year Roth
1.01%$500-2 1/2 Year IRA
0.80%$500-2 Year IRA
0.65%$500-18 Month IRA
0.65%$500-18 Month Roth
0.60%$500-1 Year IRA
0.60%$500-1 Year ROTH
0.30%$500-6 Month IRA
0.20%$500-91 Day IRA

Hingham Institution for Savings has 11 locations. Click to view all Hingham Institution for Savings locations.