BlastPoint's Banking Scorecard
Dedham Institution for Savings
Designations: ✓ Community bank
Dedham, MA
15 branches across MA
Dedham Institution for Savings has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 21.9% in tier
- - Return on Assets 1.05% below tier average
- - Non-Interest Income / Assets 0.22% below tier average
- - Net Interest Margin 0.97% below tier average
- - Efficiency Ratio 14.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+3.1% YoY
+0.5% QoQ
|
-$239.4M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$2.0B
+2.0% YoY
+0.7% QoQ
|
+$18.1M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$2.0B
+8.2% YoY
+1.6% QoQ
|
-$293.9M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
0.32%
+101.8% YoY
-55.0% QoQ
|
-1.05% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.0% in tier |
| Net Interest Margin ? |
2.85%
+8.5% YoY
+4.9% QoQ
|
-0.97% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio ? |
75.50%
-0.7% YoY
+2.2% QoQ
|
+14.44% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate ? |
0.69%
-4.8% YoY
+10.3% QoQ
|
-0.20% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
96.76%
-5.7% YoY
-0.9% QoQ
|
+12.55% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
12.61%
-3.5% YoY
-4.6% QoQ
|
-8.68% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.82%
+3.3% YoY
+6.6% QoQ
|
+0.15% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.83%
+3.6% YoY
+1.1% QoQ
|
-1.33% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.04%
-33.1% YoY
-81.2% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.5% in tier |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.