Bank Comparison
Dedham Institution for Savings vs Wells Fargo Bank South Central, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 11
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Dedham Institution for Savings | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| CET1 Ratio | 13.93% | 279.70% |
| Tier 1 Capital Ratio | 13.93% | 279.70% |
| Total Capital Ratio | 14.69% | 280.03% |
| Tier 1 Leverage Ratio | 11.39% | 29.69% |
| Equity / Assets | 11.17% | 30.12% |
Profitability
| Metric | Dedham Institution for Savings | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.43% | 1.56% |
| Return on Equity (ROE) | 13.00% | 5.28% |
| Net Interest Margin (NIM) | 2.90% | 2.36% |
| Yield on Earning Assets | 5.01% | 3.74% |
| Cost of Funds | 2.36% | 2.13% |
Asset quality
| Metric | Dedham Institution for Savings | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Texas Ratio | 10.37% | 2.73% |
| Non-Performing Loan Ratio | 1.15% | 1.21% |
| Non-Performing Asset Ratio | 1.22% | 0.81% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 0.75% | 0.13% |
Balance sheet
| Metric | Dedham Institution for Savings | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Total Assets | $2.60B | $2.59B |
| Total Deposits | $2.06B | $1.67B |
| Total Loans | $2.03B | $1.71B |
| Total Equity | $290.6M | $780.2M |
| Net Income (quarter) | $9.3M | $10.2M |
Liquidity & funding
| Metric | Dedham Institution for Savings | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 98.88% | 102.26% |
| Core Deposit Ratio | 86.02% | 100.00% |
| Uninsured Deposit Ratio | 35.75% | 0.46% |
Identity
| Metric | Dedham Institution for Savings | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Headquarters City | Dedham | Houston |
| Headquarters State | MA | TX |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 15 | 1 |
| Employees (FTE) | 231 | 0 |
| Established | March 19, 1831 | June 18, 1894 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Dedham Institution for Savings profile | View full Wells Fargo Bank South Central, N.A. profile | Browse all bank comparisons