Dedham Institution for Savings: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.69% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.69% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.93% +7.43 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $296.6M | 296,553 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.13B | 2,128,835 | RCOAA223 |
| Recomputed ratio | 13.93% | numerator / denominator | |
| Filed ratio | 13.93% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.43 pp | $158.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.93% +5.93 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $296.6M | 296,553 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.13B | 2,128,835 | RCOAA223 |
| Recomputed ratio | 13.93% | numerator / denominator | |
| Filed ratio | 13.93% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.93 pp | $126.2M | capital that could be lost first |
Total risk-based capital ratio 14.69% +4.69 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $312.6M | 312,650 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.13B | 2,128,835 | RCOAA223 |
| Recomputed ratio | 14.69% | numerator / denominator | |
| Filed ratio | 14.69% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.69 pp | $99.8M | capital that could be lost first |
Tier 1 leverage ratio 11.39% +6.39 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $296.6M | 296,553 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.60B | 2,602,522 | RCOAA224 |
| Recomputed ratio | 11.39% | numerator / denominator | |
| Filed ratio | 11.39% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.39 pp | $166.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 1 | 0 | 0 | RCOAP742 |
| Retained earnings | 295,251 | 286,947 | 284,890 | 277,945 | 274,755 | 269,890 | RCOAKW00 |
| Accumulated other comprehensive income | (4,638) | (5,003) | (4,349) | (5,854) | (7,577) | (7,982) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 290,613 | 281,944 | 280,541 | 272,092 | 267,178 | 261,908 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,940 | 6,078 | 5,403 | 6,530 | 8,267 | 8,710 | P859 - P840 |
| Common equity Tier 1 capital | 296,553 | 288,022 | 285,944 | 278,622 | 275,445 | 270,618 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 296,553 | 288,022 | 285,944 | 278,622 | 275,445 | 270,618 | RCOA8274 |
| Tier 2 capital | 16,097 | 16,067 | 15,811 | 15,336 | 13,999 | 14,344 | RCOA5311 |
| Allowance includable in Tier 2 capital | 16,097 | 16,067 | 15,811 | 15,336 | 13,999 | 14,344 | RCOA5310 |
| Total capital | 312,650 | 304,089 | 301,755 | 293,958 | 289,444 | 284,962 | RCOA3792 |
| Total risk-weighted assets | 2,128,835 | 2,082,010 | 2,090,299 | 2,079,482 | 2,047,684 | 2,026,717 | RCOAA223 |
| Average total assets for the leverage ratio | 2,602,522 | 2,569,425 | 2,527,409 | 2,517,752 | 2,518,390 | 2,493,231 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $27.9M | $360K | 1.29% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $360.3M | $284.1M | 78.87% | 13.35% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $996.4M | $538.2M | 54.01% | 25.28% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $25.6M | $38.4M | 150.00% | 1.80% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $22.1M | $33.2M | 150.00% | 1.56% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $990.6M | $990.6M | 100.00% | 46.53% | RC-R Part II, item 4.d, 5.d |
| All other assets | $96.1M | $105.2M | 109.51% | 4.94% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $98.9M | $104.4M | 105.54% | 4.90% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $4.2M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $34.3M | NA | 1.61% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.09B | ties to item 31 ($2.09B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.13B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.13B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.93% | 13.93% | 14.69% | 11.39% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.83% | 13.83% | 14.61% | 11.21% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.68% | 13.68% | 14.44% | 11.31% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.40% | 13.40% | 14.14% | 11.07% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.45% | 13.45% | 14.14% | 10.94% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.35% | 13.35% | 14.06% | 10.85% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.58% | 13.58% | 14.19% | 10.92% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.66% | 13.66% | 14.24% | 11.14% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.63% | 13.63% | 14.20% | 11.14% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.47% | 13.47% | 14.03% | 11.10% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.88% | 13.88% | 14.42% | 11.16% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.50% | 13.50% | 13.99% | 11.12% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Dedham Institution for Savings (this bank) | Risk-based | 13.93% | 13.93% | 14.69% | 11.39% | |
| Fidelity Bank & Trust | $2.60B | Risk-based | 10.67% | 10.67% | 11.72% | 8.98% |
| KS Statebank | $2.60B | CBLR | NA | NA | NA | 12.97% |
| North Shore Bank | $2.61B | CBLR | NA | NA | NA | 14.45% |
| Meridian Bank | $2.59B | CBLR | NA | NA | NA | 9.72% |
| Wells Fargo Bank South Central, N.A. | $2.59B | Risk-based | 80.53% | 80.53% | 80.84% | 29.69% |
| Republic Bank of Chicago | $2.61B | CBLR | NA | NA | NA | 12.57% |
| State Bank of Texas | $2.59B | CBLR | NA | NA | NA | 15.71% |
| First National Bank | $2.59B | Risk-based | 13.42% | 13.42% | 14.68% | 11.12% |
| Extraco Banks, N.A. | $2.57B | Risk-based | 15.88% | 15.88% | 17.14% | 8.67% |
| Cornerstone Bank | $2.57B | Risk-based | 11.84% | 11.84% | 12.31% | 9.22% |
| Peer 25th percentile | 11.84% | 11.84% | 12.31% | 9.35% | ||
| Peer median | 13.42% | 13.42% | 14.68% | 11.85% | ||
| Peer 75th percentile | 15.88% | 15.88% | 17.14% | 14.08% | ||
| This bank's percentile | 60 | 60 | 60 | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/193809/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.