Community bank Hingham Institution's Q4 net income rises
Overview
U.S. bank's Q4 net income rose 82% yr/yr, core net income up 110.2%
Total assets increased 1.9% to $4.543 bln at year-end 2025
Company received approval for $20 mln share repurchase program
Outlook
Company did not provide specific guidance for future quarters or years
Result Drivers
NET INTEREST MARGIN - Improvement in net interest margin driven by lower cost of interest-bearing liabilities and strategic asset repricing
DEPOSIT STRATEGY - Growth in non-interest-bearing deposits due to focus on developing relationships with commercial, institutional, and non-profit customers
EFFICIENCY IMPROVEMENT - Efficiency ratio fell to 35.06% in Q4 2025, reflecting improved operational efficiency
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Credit Loss Provision |
| $550,000 |
|
Q4 Net Interest Margin |
| 1.89% |
|
Press Release: ID:nGNXWmzh1
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