Dedham Institution for Savings: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dedham Institution for Savings of Dedham, MA against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.73% | 1.32% | -0.59% | 15th worst quarter |
| ROAE | 6.62% | 12.84% | -6.22% | 13th worst quarter |
| Net Interest Margin | 2.97% | 3.80% | -0.83% | 11th worst quarter |
| Efficiency Ratio | 67.53% | 57.50% | +10.03% | 78th worst quarter |
| PPNR / Avg Assets | 0.97% | 1.78% | -0.81% | 11th worst quarter |
| Yield on Earning Assets | 5.11% | 5.62% | -0.51% | 20th |
| Cost of Funds | 2.39% | 2.05% | +0.34% | 73rd worse half |
| Net Interest Spread | 2.41% | 3.16% | -0.75% | 14th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.96% | 0.54% | +0.42% | 70th worse half |
| NPA / Total Assets | 1.07% | 0.43% | +0.64% | 80th worst quarter |
| NCO / Avg Loans | 0.83% | 0.03% | +0.80% | 94th worst quarter |
| ACL / Total Loans | 0.55% | 1.14% | -0.59% | 4th |
| ACL / NPLs (Coverage) | 57.37% | 206.61% | -149.24% | 9th worst quarter |
| Texas Ratio | 9.34% | 3.89% | +5.45% | 80th worst quarter |
| Provision / NCO | 0.56% | 144.93% | -144.37% | 14th |
| CRE / Total Capital | 252.69% | 224.99% | +27.70% | 63rd worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 14.04% | 13.63% | +0.41% | 57th better half |
| Tier 1 Ratio | 14.04% | 13.64% | +0.40% | 56th better half |
| Total Capital Ratio | 14.59% | 14.75% | -0.16% | 47th worse half |
| Leverage Ratio | 11.52% | 10.57% | +0.95% | 68th better half |
| Equity / Assets | 11.04% | 10.20% | +0.84% | 64th better half |
| TCE / Tangible Assets | 11.04% | 9.58% | +1.46% | 73rd better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 98.68% | 88.09% | +10.59% | 80th |
| Core Deposit Ratio | 86.04% | 89.11% | -3.07% | 35th worse half |
| Uninsured Deposit Ratio | 36.87% | 31.09% | +5.78% | 65th worse half |
| Borrowings / Total Assets | 8.47% | 4.05% | +4.42% | 78th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.53% | 4.80% | -1.27% | 41st |
| Loan Growth (Y/Y) | 3.77% | 6.01% | -2.24% | 35th |
| Deposit Growth (Y/Y) | 7.29% | 4.64% | +2.65% | 65th |
See Dedham Institution for Savings's peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Dedham Institution for Savings profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Dedham Institution for Savings peer analysis.