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Dedham Institution for Savings

$1B-$10B Specialty: Commercial MA FDIC cert 23620

Designations: ✓ Community bank

Dedham, MA

15 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits +7.8% year over year ($2.1B on the books).
  • Delinquency rate 1.16%.
  • Return on assets 0.88%.
  • Efficiency ratio 73.16% vs a 59.73% peer average.
  • Loan-to-deposit ratio 98.14% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Dedham Institution for Savings faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 28.5% in tier
  • - Credit Risk Growth: Bottom 31.6% in tier
  • - Non-Interest Income / Assets 0.44% below tier average
  • - ROA 0.51% below tier average
  • - Net Interest Margin 0.98% below tier average
  • - Efficiency Ratio 13.43% above tier average
Get updates when Dedham Institution for Savings releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $2.6B
+2.1% YoY +0.9% QoQ
-$192.7M $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $2.0B
+2.4% YoY +1.8% QoQ
+$56.2M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $2.1B
+7.8% YoY +0.4% QoQ
-$261.0M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 0.88%
+88.7% YoY +175.1% QoQ
-0.51% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 2.89%
+9.5% YoY +1.6% QoQ
-0.98% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 11.3% in tier
Efficiency Ratio ? 73.16%
-4.3% YoY -3.1% QoQ
+13.43% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 1.16%
+59.8% YoY +69.3% QoQ
+0.29% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 98.14%
-5.0% YoY +1.4% QoQ
+13.10% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 12.68%
-3.3% YoY +0.5% QoQ
-8.59% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 1.22%
+47.8% YoY +48.1% QoQ
+0.55% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 13.93%
+3.6% YoY +0.7% QoQ
-0.91% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.09%
-13.2% YoY +139.9% QoQ
-0.44% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 7.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 12.7%
-0.4pp YoY
+0.1pp QoQ
 -8.7pp 21.4% 16.2% 22.2% 17%
Brokered Deposits 3.6%
-2.3pp YoY
-1.3pp QoQ
 -5.8pp 9.5% 6.1% 8.5% 39%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 5.9%
-0.7pp YoY
-0.3pp QoQ
 -8.1pp 14.0% 6.5% 12.5% 23%
CRE 43.2%
+2.0pp YoY
+0.1pp QoQ
 -6.8pp 50.0% 40.3% 41.4% 31%
1-4 Family 49.3%
-1.1pp YoY
+0.2pp QoQ
 +22.8pp 26.4% 52.4% 31.3% 89%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 1.6% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 13.9%
+0.5pp YoY
+0.1pp QoQ
 -1.7pp 15.6% 16.6% 19.7% 56%
Leverage Ratio 11.4%
+0.5pp YoY
+0.2pp QoQ
 +0.1pp 11.3% 11.5% 12.6% 68%
Total Capital Ratio 14.7%
+0.6pp YoY
+0.1pp QoQ
 -2.0pp 16.7% 17.5% 20.8% 51%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 231
+11 (+5.0%) YoY
+16 (+7.4%) QoQ
 -83 313 755 482 48%
Assets per Employee ($) $11.3M
-2.7% YoY
-6.1% QoQ
 +$776K $10.5M $10.7M $8.8M 74%
Branch Count 15
+1 (+7.1%) YoY
0 QoQ
 -5 20 13 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.1% 0.4% 10%
Nonaccrual 1.2%
+0.6pp YoY
+0.5pp QoQ
 +0.3pp 0.8% 0.8% 1.0% 78%
Allowance Coverage 0.65x
-30.1% YoY
-42.2% QoQ
 -18.06x 18.71x 7.95x 20.23x 10%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 8.0%
+3.5pp YoY
+5.1pp QoQ
 -4.6pp 12.6% 5.6% 11.6% 19%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.9% 2.0% 1.7% 69%
Net Income ($, YTD) $11.4M
+94.1% YoY
— QoQ
 -$7.9M $19.2M $31.7M $40.4M 45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#104 of 361 • Bottom 28.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.14%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#128 of 402 • Bottom 31.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

816
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.53%
#816 of 885 Bottom 7.9% in $1B-$10B
786
Net Interest Margin
profitability
Value: 2.89%
Peer Median: 3.87%
#786 of 885 Bottom 11.3% in $1B-$10B
746
Nonperforming Asset Ratio
credit_quality
Value: 1.22%
Peer Median: 0.67%
#746 of 885 Bottom 15.8% in $1B-$10B
746
Efficiency Ratio
profitability
Value: 73.16%
Peer Median: 59.73%
#746 of 885 Bottom 15.8% in $1B-$10B
730
Non-Interest-Bearing Deposit Share
funding
Value: 12.68%
Peer Median: 21.27%
#730 of 885 Bottom 17.6% in $1B-$10B
719
Loan-to-Deposit Ratio
liquidity
Value: 98.14%
Peer Median: 85.04%
#719 of 885 Bottom 18.9% in $1B-$10B
694
Return on Assets
profitability
Value: 0.88%
Peer Median: 1.39%
#694 of 885 Bottom 21.7% in $1B-$10B
676
Delinquency Rate
credit_quality
Value: 1.16%
Peer Median: 0.87%
#676 of 882 Bottom 23.5% in $1B-$10B
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