Dedham Institution for Savings
Dedham Institution for Savings reported total assets of $2.6 bn at Q2 2026, up 2.1% from a year earlier. That ranks 480th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 13.93%, and an estimated 35.75% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: down 7.06 pp on Q1 2026, to 35.75%
- Return on equity (ROE): up 5.06 pp on Q1 2026, to 7.99%
- Bank equity capital: up 3.1% on Q1 2026, to $290.6 mn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Dedham Institution for Savings?
Against its six size peers, its efficiency ratio stands out most: 73.16% at Q2 2026, above the peer median of 55.63%. By noncurrent loans to total loans it moved from 264th to 388th among 500 banks between Q1 2026 and Q2 2026 (1 = lowest).
How large is Dedham Institution for Savings?
At Q2 2026 the bank held $2.6 bn of assets. Deposits were $2.1 bn and net loans and leases $2.0 bn, a loan-to-deposit ratio of 98.14%. Securities of $455.6 mn made up 17.5% of assets.
Total assets rose 92.4% between Q1 2016 and Q2 2026, from $1.4 bn.
How much of its funding is uninsured?
An estimated 35.75% of domestic deposits were above the FDIC insurance limit at Q2 2026, -7.06 pp from the previous quarter and +4.25 pp from a year earlier. That share ranks 245th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $2.6 bn | +2.1% | 480th of 497 |
| Total deposits | $2.1 bn | +7.8% | 492nd of 499 |
| Net loans and leases | $2.0 bn | +2.4% | 440th of 500 |
| Bank equity capital | $290.6 mn | +8.8% | 450th of 498 |
| Common equity tier 1 (CET1) ratio | 13.93% | +0.48 pp | 162nd of 448 |
| Tier 1 leverage ratio | 11.39% | +0.46 pp | 141st of 500 |
| Return on equity (ROE) | 7.99% | +3.54 pp | 417th of 500 |
| Net interest margin | 2.89% | +0.25 pp | 422nd of 500 |
| Uninsured share of domestic deposits | 35.75% | +4.25 pp | 245th of 500 |
| Noncurrent loans to total loans | 1.15% | +0.43 pp | 388th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | +0.00 pp | 65th of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $2.6bn
- Deposits $2.1bn
- Net loans $2.0bn
Capital and securities
The common equity tier 1 (CET1) ratio was 13.93% at Q2 2026, +0.48 pp from a year earlier. Since Q1 2016 it has ranged from 13.35% (Q1 2025) to 16.86% (Q4 2019). At Q2 2026 the tier 1 leverage ratio was 11.39% and the total risk-based capital ratio 14.69%. The median CET1 ratio of the size peers listed below was 45.60% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $7.4 mn at Q2 2026; the loss widened by $414,000 from a year earlier.
Capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Unrealized gains and losses on securities
- Available for sale -$7mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 7.99% for the year to Q2 2026, annualized, with a return on assets of 0.88% and a net interest margin of 2.89%. The margin was +0.25 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 73.16%. Net income for the year to Q2 2026 was $11.4 mn, up 94.1% on the same period a year earlier. The median return on equity of its size peers was 9.34% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 1.15% of total loans at Q2 2026. Net charge-offs for the year to date were 0.00% of average loans, annualized.
Profitability
- Return on equity 8.0%
- Net interest margin 2.9%
- Return on assets 0.9%
Compared with banks of similar size
The six banks ranked closest to Dedham Institution for Savings by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Dedham Institution for Savings is 4th by total assets. Its CET1 ratio of 13.93% compares with a peer median of 45.60%, its tier 1 leverage ratio of 11.39% compares with a peer median of 12.77%, and its return on equity of 7.99% compares with a peer median of 9.34%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Republic Bank of Chicago | $2.6 bn | not reported | 10.73% | 43.58% | |
| North Shore Bank | $2.6 bn | not reported | 6.72% | 11.80% | |
| Fidelity Bank & Trust | $2.6 bn | 10.67% | 12.72% | 41.01% | |
| Dedham Institution for Savings | $2.6 bn | 13.93% | 7.99% | 35.75% | |
| KS StateBank | $2.6 bn | not reported | 15.22% | 21.85% | |
| Meridian Bank | $2.6 bn | not reported | 7.95% | 30.66% | |
| Wells Fargo Bank South Central | $2.6 bn | 80.53% | 5.69% | 0.46% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 45.60%, return on equity 9.34%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Dedham Institution for Savings, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 7.4% to $2.6 bn, deposits rose 8.4% to $2.1 bn and bank equity capital rose 12.8% to $290.6 mn. Over the same period its full-time equivalent staff went from 210 to 231 and its offices went from 14 to 15.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Total deposits | $1.9 bn | $1.8 bn | $1.9 bn | $1.9 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.1 bn |
| Bank equity capital | $257.6 mn | $260.4 mn | $261.9 mn | $267.2 mn | $272.1 mn | $280.5 mn | $281.9 mn | $290.6 mn |
| Common equity tier 1 (CET1) ratio | 13.66% | 13.58% | 13.35% | 13.45% | 13.40% | 13.68% | 13.83% | 13.93% |
| Return on equity (ROE) | 5.61% | 4.18% | 1.51% | 4.45% | 5.55% | 6.70% | 2.93% | 7.99% |
| Uninsured share of domestic deposits | 28.21% | 31.28% | 31.45% | 31.50% | 31.52% | 42.77% | 42.81% | 35.75% |
| Full-time equivalent employees | 210 | 216 | 200 | 220 | 219 | 214 | 215 | 231 |
| Number of offices | 14 | 14 | 14 | 14 | 15 | 15 | 15 | 15 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
The FDIC history records no mergers or acquisitions for Dedham Institution for Savings since Q1 2016, and its total assets never moved more than 25% in one quarter.
Identifiers and sources
- FDIC certificate
- 23620
- Federal Reserve RSSD ID
- 193809
- Head office
- Dedham, Massachusetts
- Holding company
- CHARLESBRIDGE MHC (as reported to the FDIC)
- Holding company RSSD ID
- 5164989
- EconoMonitor ID
- EMB-US-000701
Frequently asked questions
What were Dedham Institution for Savings's total assets?
$2.6 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 480th among 497 banks reporting this metric (1 = highest).
Is Dedham Institution for Savings the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 23620). Its holding company, CHARLESBRIDGE MHC (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Dedham Institution for Savings files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 23620, and in the Call Reports filed under RSSD ID 193809 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.