Dedham Institution for Savings
Dedham Institution for Savings is an FDIC-insured savings bank headquartered in Dedham, MA, supervised by the FDIC, with $2.64B in total assets at Q3 2026, up 3.5% from Q3 2025, the 21st largest of 89 banks headquartered in Massachusetts. It was established in 1831 and holds FDIC certificate 23620. Its CET1 capital ratio was 14.04% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23620
- Headquarters
- Dedham, MA
- Established
- 1831
- Total assets, Q3 2026
- $2.64B
- Assets vs Q3 2025
- +3.5%
- CET1 ratio, Q3 2026
- 14.04%
- Domestic offices
- 15 branches
- Routing number
- 211371722
- Safety and soundness
- Is Dedham Institution for Savings safe?
- Latest call report
- Q3 2026, FFIEC 051 · Dedham Institution for Savings call report
- Holding company
- 1831 BANCORP INC
- Asset rank in state
- 21st of 89 in Massachusetts
Problem loans are rising at Dedham Institution for Savings. Based in Dedham, Massachusetts, it had $2.6 billion in assets at September 30, 2026, up 3.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.96% of loans from 0.60% a year earlier. It keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 887 banks with $1 billion to $10 billion in assets (median 3.80 cents). It also returns 6.6% a year on shareholders' equity, about half the median of 12.8% for banks its size.
The non-owner-occupied commercial real estate book ($309 million) is worsening: 1.43% of it is past due or on nonaccrual, up from 0.40% a year earlier. Deposits are coming in faster than loans: over the year loans rose 3.8% and deposits rose 7.3%. Credit is the area to watch: it carries problem assets equal to 9.3% of the capital and reserves that would absorb them, 2.4 times the median of 3.9% for banks its size.
As of September 30, 2026, Dedham Institution for Savings reported a CET1 capital ratio of 14.04%, a return on assets of 0.73%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 9.34%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Dedham Institution for Savings is the 21st largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 1.7% to $2.64B, loans rose 1.5% and deposits rose 1.7%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 48.8% of total loans, followed by non-owner-occupied commercial real estate loans at 14.9%. Its 15 offices in the FDIC Summary of Deposits are in 9 cities in MA; its Dedham 5 offices book 49% of its branch deposits. By the capital ratios in its Q3 2026 call report, Dedham Institution for Savings meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 55 Elm St, Dedham, MA 02026
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 19, 1831
- Domestic offices
- 15 branches
- Employees (FTE)
- 233
- Domestic deposits
- $2.09B
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- $4.3M
- Average total assets
- $2.63B
- Average total loans
- $2.05B
- Average interest-bearing deposits
- $1.80B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1982
- FDIC Cert
- 23620
- Fed RSSD
- 193809
- Website
- www.dedhamsavings.com →
- Parent Holding Company
- 1831 BANCORP INC (RSSD 5164998)
- Ultimate Parent
- CHARLESBRIDGE, MHC (RSSD 5164989)
Asset Quality
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Dedham Institution for Savings's total assets ran between $2.33B (Q4 2023) and $2.64B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$2.64B total assets against $2.55B; $2.35B total liabilities against $2.28B.
$2.05B net loans and leases against $1.98B; $2.09B total deposits against $1.95B.
$449.2M securities against $462.9M; $37.4M cash and balances due against $25.3M.
$32.6M total interest income against $30.8M; $13.7M total interest expense against $14.1M.
$18.9M net interest income against $16.7M.
$1.1M total noninterest income against $1.1M; $13.6M total noninterest expense against $13.7M.
$24K provision for credit losses against $1.3M.
$4.8M net income against $5.2M.
0.73% return on assets against 0.82%; 2.97% net interest margin against 2.73%.
14.04% CET1 capital ratio against 13.40%; 11.52% tier 1 leverage ratio against 11.07%.
Inside the full Dedham Institution for Savings terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Dedham Institution for Savings rankings
Its closest position to the top of a national ranking is 480 of 4,193, for total assets; its furthest is 2,982 of 3,627, for ROA.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.00% (Q4 2024) to 1.43% (Q2 2026) and its net interest margin ran from 2.42% (Q4 2024) to 2.97% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 14.04% | 0.73% | 0.96% | 9.34% | 2.97% |
| Q2 2026 | 13.93% | 1.43% | 1.15% | 10.37% | 2.90% |
| Q1 2026 | 13.83% | 0.32% | 0.68% | 7.14% | 2.83% |
| Q4 2025 | 13.68% | 1.10% | 0.62% | 6.70% | 2.85% |
| Q3 2025 | 13.40% | 0.82% | 0.60% | 6.67% | 2.73% |
| Q2 2025 | 13.45% | 0.77% | 0.72% | 7.49% | 2.64% |
| Q1 2025 | 13.35% | 0.16% | 0.71% | 7.23% | 2.60% |
| Q4 2024 | 13.58% | 0.00% | 0.74% | 7.43% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dedham Institution for Savings (main office) | Dedham , MA | 02026 | $854.2M |
| Walpole Branch | Walpole , MA | 02081 | $246.2M |
| Needham Branch | Needham , MA | 02492 | $217.0M |
| Norwood Branch | Norwood , MA | 02062 | $183.5M |
| Westwood Branch | Westwood , MA | 02090 | $173.3M |
| Sharon Branch | Sharon , MA | 02067 | $97.0M |
| South Boston Branch | South Boston , MA | 02127 | $94.4M |
| East Dedham Branch | Dedham , MA | 02026 | $80.5M |
| Dedham Square Branch | Dedham , MA | 02026 | $50.3M |
| Online Branch | Dedham , MA | 02026 | $18.7M |
| Highland Avenue Branch | Needham , MA | 02494 | $17.8M |
| Carleton Willard Branch | Bedford , MA | 01730 | $16.1M |
| New Bridge Branch | Dedham , MA | 02026 | $3.8M |
| Del Pond Drive Branch | Canton , MA | 02021 | $3.4M |
| New Pond Village Branch | Walpole , MA | 02081 | $1.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 28, 1991 | Structure Change | Acquired Midcounty Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 27, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MA, rank 29 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 373 applications, 311 loans originated, $297.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dedham Institution for Savings
What are Dedham Institution for Savings's total assets?
As of the Q3 2026 filing, Dedham Institution for Savings reported total assets of $2.64 billion in its FFIEC call report.
Where is Dedham Institution for Savings headquartered?
It is headquartered in Dedham, MA, United States.
When was Dedham Institution for Savings founded?
It was established in 1831, per the FDIC institution directory.
Is Dedham Institution for Savings FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #23620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dedham Institution for Savings?
Dedham Institution for Savings's primary federal regulator is the FDIC.
What is Dedham Institution for Savings's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.04% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dedham Institution for Savings operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dedham Institution for Savings's Texas Ratio?
Its Texas Ratio is 9.34% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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