Dedham Institution for Savings: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Dedham Institution for Savings reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 14.04% in Q3 2026, up 0.65 percentage points from 13.40% in Q3 2025. Across the 12 quarters shown it ranged from 13.35% (Q1 2025) to 14.04% (Q3 2026).
Reserve coverage of nonperforming loans dropped 7.76 percentage points in Q3 2026, from 65.13% to 57.37%. It was the largest change from Q2 2026 among the key lines here. Dedham Institution for Savings ranks 39th of 89 Massachusetts banks on return on assets, in the upper half at 0.73% (Q3 2026). The median for banks in the $1B-10B asset tier is 1.30% on return on assets. Dedham Institution for Savings sits 0.57 points lower, at 0.73% (Q3 2026).
Capital adequacy
Equity capital to assets changed the most here, down 0.13 points to 11.04% in Q3 2026 from 11.17% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 14.04% |
| Tier 1 risk-based capital ratio | 14.04% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 11.52% |
| Equity capital to assets | 11.04% |
| Tangible equity to tangible assets | 11.04% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.96% |
| Nonperforming assets ratio | 1.07% |
| Net charge-off ratio | 0.83% |
| Texas ratio | 9.34% |
| Allowance for credit losses to loans | 0.55% |
| Reserve coverage of nonperforming loans | 57.37% |
Earnings
Largest change in this table: return on equity, down 6.38 points to 6.62% in Q3 2026 after 13.00% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.73% |
| Return on equity | 6.62% |
| Net interest margin | 2.97% |
| Efficiency ratio | 67.53% |
| Yield on earning assets | 5.11% |
| Cost of funds | 2.39% |
Liquidity and funding
Largest change in this table: securities to assets, down 0.53 points to 16.99% in Q3 2026 after 17.52% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 98.68% |
| Core deposits to total deposits | 86.04% |
| Brokered deposits to total deposits | 3.58% |
| Deposits to assets | 79.18% |
| Securities to assets | 16.99% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 13.88% | 13.88% | 14.42% | 11.16% | 1.11% |
| Q1 2024 | 13.47% | 13.47% | 14.03% | 11.10% | 0.53% |
| Q2 2024 | 13.63% | 13.63% | 14.20% | 11.14% | 0.51% |
| Q3 2024 | 13.66% | 13.66% | 14.24% | 11.14% | 0.73% |
| Q4 2024 | 13.58% | 13.58% | 14.19% | 10.92% | 0.00% |
| Q1 2025 | 13.35% | 13.35% | 14.06% | 10.85% | 0.16% |
| Q2 2025 | 13.45% | 13.45% | 14.14% | 10.94% | 0.77% |
| Q3 2025 | 13.40% | 13.40% | 14.14% | 11.07% | 0.82% |
| Q4 2025 | 13.68% | 13.68% | 14.44% | 11.31% | 1.10% |
| Q1 2026 | 13.83% | 13.83% | 14.61% | 11.21% | 0.32% |
| Q2 2026 | 13.93% | 13.93% | 14.69% | 11.39% | 1.43% |
| Q3 2026 | 14.04% | 14.04% | 14.59% | 11.52% | 0.73% |
Dedham Institution for Savings vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Dedham Institution for Savings profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23620) · FFIEC NIC profile (RSSD 193809)