Dedham Institution for Savings
Dedham Institution for Savings reported total assets of $2.6 bn at Q2 2026, up 2.1% on a year earlier, the 480th largest of 497 banks in our US coverage. The CET1 capital ratio at Dedham Institution for Savings was 13.93%, and the uninsured share of Dedham Institution for Savings was 35.75%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Dedham Institution for Savings slipped from 326th to 388th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Dedham Institution for Savings apart
How large is Dedham Institution for Savings?
The balance sheet of Dedham Institution for Savings at : assets $2.6 bn, deposits $2.1 bn, net loans $2.0 bn (loans equal to 98.14% of deposits). Securities make up 17.5% of total assets at Dedham Institution for Savings. Since , when Dedham Institution for Savings held $1.4 bn, its assets grew 92.4%. In the year to , deposits at Dedham Institution for Savings rose 7.8% while its total assets rose 2.1%. At , Dedham Institution for Savings employed 231 full-time equivalent staff across 15 offices, about $11.3 mn of assets per employee and $137.2 mn of deposits per office.
How much funding at Dedham Institution for Savings is uninsured?
At Dedham Institution for Savings, uninsured deposits (above the FDIC limit) made up 35.75% of domestic deposits at (+4.25 pp on a year earlier); Dedham Institution for Savings ranks 245th of 500 on this measure. In dollars, Dedham Institution for Savings estimated $735.7 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | +7.8% | 492nd of 499 |
| Net loans and leases | $2.0 bn | +2.4% | 440th of 500 |
| Loan-to-deposit ratio | 98.14% | -5.20 pp | 79th of 500 |
| Tier 1 leverage ratio | 11.39% | +0.46 pp | 141st of 500 |
| Total risk-based capital ratio | 14.69% | +0.55 pp | 196th of 448 |
| Net interest margin | 2.89% | +0.25 pp | 422nd of 500 |
| Return on assets (ROA) | 0.88% | +0.41 pp | 422nd of 500 |
| Efficiency ratio | 73.16% | -3.30 pp | 452nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $7.4 mn | Widened by $414,000 | |
| 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 of Dedham Institution for Savings: 1 = highest unless marked 1 = lowest.
Balance sheet
Dedham Institution for Savings: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.1bn
- Net loans $2.0bn
Capital and securities
The CET1 ratio of Dedham Institution for Savings stood at 13.93% in , +0.48 pp year on year. Low and high at Dedham Institution for Savings since : 13.35% () to 16.86% (). Equity capital of Dedham Institution for Savings at : $290.6 mn, or 11.2% of total assets. Dedham Institution for Savings also reported a total capital ratio of 14.69% for , and a tier 1 leverage ratio of 11.39%.
The available-for-sale portfolio of Dedham Institution for Savings showed an unrealized loss of $7.4 mn at ; the loss widened by $414,000 over the year.
Dedham Institution for Savings: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Dedham Institution for Savings: unrealized securities gains and losses
- Available for sale -$7mn
- Held to maturity $0
Profitability and loan quality
For the year to , Dedham Institution for Savings earned a return on equity of 7.99%; return on assets: 0.88%. Net interest margin at Dedham Institution for Savings: 2.89%, +0.25 pp in a year. Dedham Institution for Savings net income: $11.4 mn, up 94.1% year on year. The efficiency ratio of Dedham Institution for Savings was 73.16%: about 73 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 1.15% of total loans at Dedham Institution for Savings; net charge-offs: 0.00% of average loans. Gross loans and leases at Dedham Institution for Savings: $2.0 bn, up 2.5% in a year.
Dedham Institution for Savings: profitability
- Return on equity 8.0%
- Net interest margin 2.9%
- Return on assets 0.9%
Peer group of Dedham Institution for Savings
The peer group of Dedham Institution for Savings is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Dedham Institution for Savings (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Massachusetts. Against them, Dedham Institution for Savings shows CET1 ratio 13.93% against a peer median of 45.60%, return on equity 7.99% against a peer median of 9.34% and uninsured deposit share 35.75% against a peer median of 26.25%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Republic Bank of Chicago | State nonmember bank | IL | $2.6 bn | not reported | 10.73% | 43.58% | |
| North Shore Bank | State-chartered stock savings bank | WI | $2.6 bn | not reported | 6.72% | 11.80% | |
| Fidelity Bank & Trust | State nonmember bank | IA | $2.6 bn | 10.67% | 12.72% | 41.01% | |
| Dedham Institution for Savings | State-chartered stock savings bank | MA | $2.6 bn | 13.93% | 7.99% | 35.75% | |
| KS StateBank | State nonmember bank | KS | $2.6 bn | not reported | 15.22% | 21.85% | |
| Meridian Bank | State nonmember bank | PA | $2.6 bn | not reported | 7.95% | 30.66% | |
| Wells Fargo Bank South Central | National bank | TX | $2.6 bn | 80.53% | 5.69% | 0.46% | |
. FDIC Call Reports.
Last eight quarters
Two years at Dedham Institution for Savings, to : assets +7.4%, deposits +8.4%, equity +12.8%. Staff 210 to 231; offices 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 |
| 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 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Dedham Institution for Savings appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Dedham Institution for Savings?
Dedham Institution for Savings reported $2.6 bn at in its Call Report. That makes Dedham Institution for Savings the 480th largest of 497 banks in our US coverage.
Is Dedham Institution for Savings the same as its holding company?
No. This page covers Dedham Institution for Savings, FDIC certificate 23620; CHARLESBRIDGE MHC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Dedham Institution for Savings profitable?
Dedham Institution for Savings reported net income of $11.4 mn for the year to ; annualized return on equity: 7.99%. So yes: Dedham Institution for Savings made a profit over these months.
When is data for Dedham Institution for Savings next updated?
Figures from Dedham Institution for Savings for are due after .
Where can I check the figures for Dedham Institution for Savings?
In the FDIC BankFind Suite record for certificate 23620, and in the Call Reports of Dedham Institution for Savings (RSSD ID 193809) at the FFIEC Central Data Repository.