We need 650 hosts, implying that we'll need at least 10 bits for the hosts (since $2^{10} = 1024$ is the minimum power of $2$ which is greater than 650).
So, the last 10 bits will be reserved for the hosts and rest of it has to be 1s in the subnet mask. Therefore, the first 22 bits will be one and the next 10 will be zero.
Converting this into binary should give you $255.255.252.0$