Bank Safety Analysis
Is Dedham Institution for Savings Safe? Dedham, Massachusetts
Based on its Q3 2026 call report, Dedham Institution for Savings meets every capital ratio test for well capitalized, its Texas ratio is 9.34%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Dedham Institution for Savings safe?
On its Q3 2026 call report, Dedham Institution for Savings's CET1 ratio is 14.04%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 14.04%
- Tier 1 leverage ratio (Q3 2026): 11.52%
- Texas ratio (Q3 2026): 9.34%
- Noncurrent loans ratio (Q3 2026): 0.96%
Dedham Institution for Savings is an FDIC-insured savings bank (FDIC Certificate #23620). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Dedham Institution for Savings (FDIC Certificate #23620) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Dedham Institution for Savings passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
Return on assets dropped 0.70 percentage points in Q3 2026, from 1.43% to 0.73%. It was the largest change from Q2 2026 among the key lines here. Within Massachusetts, Dedham Institution for Savings is 30th of 55 on CET1 ratio, 14.04% as of Q3 2026. Dedham Institution for Savings reported 14.04% on CET1 ratio for Q3 2026, 0.44 points above the 13.60% median for banks in the $1B-10B asset tier.
From Q4 2023 to Q3 2026, Dedham Institution for Savings's CET1 ratio ranged between 13.35% (Q1 2025) and 14.04% (Q3 2026) and its Texas ratio ranged between 5.85% (Q2 2024) and 10.37% (Q2 2026). Between Q3 2025 and Q3 2026, Dedham Institution for Savings's CET1 ratio rose from 13.40% to 14.04%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.60% to 0.96%, Texas ratio rose from 6.67% to 9.34% and return on assets fell from 0.82% to 0.73%.
Of the 89 banks headquartered in Massachusetts, Dedham Institution for Savings is the 21st largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $1.01B of $2.07B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Dedham Institution for Savings's CET1 ratio of 14.04% is above the 13.60% median, Tier 1 leverage ratio of 11.52% is above the 10.54% median, nonperforming loans ratio of 0.96% is above the 0.54% median, Texas ratio of 9.34% is above the 3.95% median, and efficiency ratio of 67.53% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Dedham Institution for Savings's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Dedham Institution for Savings score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Dedham Institution for Savings trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 14.04% | Within range |
| Texas ratio BankRegReports band | 9.34% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.96% | Within range |
| Uninsured deposit share BankRegReports band | 36.87% | Within range |
| Loan-to-deposit ratio BankRegReports band | 98.68% | Within range |
| Commercial real estate to capital BankRegReports band | 252.69% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 14.04% |
| Q2 2026 | 13.93% |
| Q1 2026 | 13.83% |
| Q4 2025 | 13.68% |
| Q3 2025 | 13.40% |
| Q2 2025 | 13.45% |
| Q1 2025 | 13.35% |
| Q4 2024 | 13.58% |
| Q3 2024 | 13.66% |
| Q2 2024 | 13.63% |
| Q1 2024 | 13.47% |
| Q4 2023 | 13.88% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 9.34% |
| Q2 2026 | 10.37% |
| Q1 2026 | 7.14% |
| Q4 2025 | 6.70% |
| Q3 2025 | 6.67% |
| Q2 2025 | 7.49% |
| Q1 2025 | 7.23% |
| Q4 2024 | 7.43% |
| Q3 2024 | 7.04% |
| Q2 2024 | 5.85% |
| Q1 2024 | 5.95% |
| Q4 2023 | 6.11% |
Loans by type, Q3 2026
- 1-4 family residential loans: $1.01B
- Non-owner-occupied commercial real estate loans: $308.7M
- Construction and land development loans: $291.4M
- Multifamily loans: $193.9M
- Commercial and industrial loans: $123.1M
- Owner-occupied commercial real estate loans: $94.1M
- Loans to states and political subdivisions: $47.2M
- Other revolving consumer credit: $208K
How have Dedham Institution for Savings's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $2.64B | 14.04% | 11.52% | 0.96% | 9.34% | 67.53% |
| Jun 30, 2026 | $2.60B | 13.93% | 11.39% | 1.15% | 10.37% | 70.40% |
| Mar 31, 2026 | $2.58B | 13.83% | 11.21% | 0.68% | 7.14% | 74.90% |
| Dec 31, 2025 | $2.56B | 13.68% | 11.31% | 0.62% | 6.70% | 65.50% |
| Sep 30, 2025 | $2.55B | 13.40% | 11.07% | 0.60% | 6.67% | 76.58% |
| Jun 30, 2025 | $2.55B | 13.45% | 10.94% | 0.72% | 7.49% | 76.22% |
| Mar 31, 2025 | $2.50B | 13.35% | 10.85% | 0.71% | 7.23% | 75.40% |
| Dec 31, 2024 | $2.48B | 13.58% | 10.92% | 0.74% | 7.43% | 101.39% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Dedham Institution for Savings FDIC insured?
Yes. Dedham Institution for Savings is an FDIC-insured savings bank (FDIC Certificate #23620). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Dedham Institution for Savings well capitalized?
On its Q3 2026 call report, Dedham Institution for Savings's CET1 ratio is 14.04%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Dedham Institution for Savings's key safety ratios?
For Q3 2026, Dedham Institution for Savings reports CET1 14.04%, leverage 11.52%, Texas ratio 9.34%, noncurrent loans 0.96%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Dedham Institution for Savings fails?
For Q3 2026, Dedham Institution for Savings reported $2.09B in total deposits, 36.87% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Dedham Institution for Savings profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Dedham Institution for Savings is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 23620) · FFIEC NIC profile (RSSD 193809)
Explore: Full Dedham Institution for Savings profile · Other banks in MA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.