Dedham Institution for Savings
Total assets
$2.60B
▲ +2.1% YoY
Deposits
$2.06B
▲ +7.8% YoY
Loans
$2.02B
▲ +2.4% YoY
Offices
15
CHARLESBRIDGE MHC
ROA (annualized)
0.88%
peers 1.26%
ROE (annualized)
7.99%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +7.8% | +5.1% | +2.7 pts |
| Loan growth (YoY) | +2.4% | +5.9% | -3.5 pts |
| ROA | 0.88% | 1.26% | -0.4 pts |
| ROE | 8.0% | 12.2% | -4.2 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
Profile
- Established
- 1831
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CHARLESBRIDGE MHC
- Specialization
- Commercial Lending Specialization
- Address
- 55 Elm St, Dedham, MA, 02026
- County
- Norfolk
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 15
- FDIC cert #
- 23620
- RSSD ID
- 193809
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.60B | $2.06B | $2.02B | $290.6M | $11.4M | 0.88% | 2.89% | 1.22% |
| Q1 2026 | $2.58B | $2.05B | $1.98B | $281.9M | $2.1M | 0.32% | 2.85% | 0.82% |
| Q4 2025 | $2.56B | $2.02B | $1.97B | $280.5M | $18.0M | 0.71% | 2.71% | 0.77% |
| Q3 2025 | $2.55B | $1.95B | $1.98B | $272.1M | $11.0M | 0.58% | 2.67% | 0.75% |
| Q2 2025 | $2.55B | $1.91B | $1.97B | $267.2M | $5.9M | 0.47% | 2.64% | 0.82% |
| Q1 2025 | $2.50B | $1.89B | $1.94B | $261.9M | $988K | 0.16% | 2.62% | 0.80% |
| Q4 2024 | $2.48B | $1.83B | $1.94B | $260.4M | $10.6M | 0.44% | 2.42% | 0.81% |
| Q3 2024 | $2.42B | $1.90B | $1.88B | $257.6M | $10.6M | 0.59% | 2.41% | 0.78% |
Loan mix (Q2 2026): real estate $1.87B · commercial $119.2M · consumer $346K · securities $455.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.26% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 12.2% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.70% | 12th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 59.0% | 84th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Hingham Institution for SavingsHingham, MA · $4.56B
- PeoplesBankHolyoke, MA · $4.62B
- Leader Bank, National AssociationArlington, MA · $5.28B
- Institution for Savings in Newburyport and Its VicinityNewburyport, MA · $5.56B
- The Cape Cod Five Cents Savings BankHyannis, MA · $5.62B
- Parkway Bank and Trust CompanyHarwood Heights, IL · $3.66B
Selling to Dedham Institution for Savings?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.