← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Dedham Institution for Savings

Dedham, Massachusetts · $2.60B in assets · beside the 11 other Massachusetts banks between $1B and $3B

The filing

0.7x
Coverage of noncurrent
12th of 12
0.87%
ROA
2nd of 12
1.15%
NPA / loans
10th of 12

Dedham Institution for Savings is the fourth largest of the 12 Massachusetts banks nearest its size between $1B and $3B, with $2.60B in assets at 30 June 2026. Loans are 98.9% of deposits, 8th of 12 against a median of 93.1%, and equity is 11.2% of assets, 4th of 12. Loans grew +2.5% in the year, 8th of 12, and deposits grew 7.8%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 1.15% of the book, 10th of 12 against a median of 0.74%; 0.02% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 38.7% of loans, 8th of 12 against a median of 36.6%, and 252% of capital, below the 300% screen, with construction at 98% against the 100% screen.

Return on assets is 0.87%, 2nd of 12 against a median of 0.71%, on an efficiency ratio of 73.2%, 8th of 12. Five years ago it was 1.37%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 0.71% AB Avidia Bank 0.99% DI Dedham Institution for Savings 0.87% CB Country Bank for Savings 0.80% LF Lowell Five Cent Savings Bank 0.75% WB Westfield Bank 0.73% FB Florence Bank 0.71% SS South Shore Bank 0.71% CB Cornerstone Bank 0.59% B Bankesb 0.52% BB Baycoast Bank 0.51% VB Village Bank 0.48% FR Fall River Five Cents Savings Bank 0.39%
Loans, year over yearMA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% CB Cornerstone Bank +38.0% LF Lowell Five Cent Savings Bank +9.0% SS South Shore Bank +7.7% FB Florence Bank +6.6% WB Westfield Bank +4.8% CB Country Bank for Savings +4.6% VB Village Bank +3.4% DI Dedham Institution for Savings +2.5% AB Avidia Bank +0.5% FR Fall River Five Cents Savings Bank -2.0% BB Baycoast Bank -4.4% B Bankesb -6.2%

SBA 7(a), FY2008 to FY2026

Dedham Institution for Savings is the 165th largest 7(a) lender into Massachusetts of 309, with $3M across 24 loans, 0.1% of everything approved in the state (Eastern Bank leads with $778M). 1 of its 5 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Norfolk, MA$2M75th of 1450.2%thin
Suffolk, MA$554K84th of 1300.1%thin
Middlesex, MA$350K154th of 1900.0%thin
Bristol, MA$330K90th of 1120.1%quiet FY2014
Essex, MA$100K121st of 1290.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services6$851K28.7%0.00%1672nd of 2,596
Construction6$710K23.9%0.00%1337th of 2,063
Retail trade3$505K17.0%0.00%1872nd of 2,589
Educational services3$448K15.1%0.01%607th of 1,136
Other services2$247K8.3%0.00%1771st of 2,248
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Dedham Institution for Savings
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans DI Dedham Institution for Savings 0.0% $3M · 24 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Dedham Institution for SavingsRankCohort median
Total CRE against capital, the 300% screen252%5th of 12270%
Construction against capital, the 100% screen98%11th of 1241%
Construction and land development, share of loans15.1%10th of 125.8%
Non-owner-occupied nonfarm nonresidential, share of loans14.4%3rd of 1222.4%
Total CRE, the guidance definition, share of loans38.7%8th of 1236.6%
CRE growth over 36 months, the third prong+19.1%7th of 12+15.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Baycoast Bank$2.86B0.5%84.8%1.45%0.12%1.2%91.7%9.0%
Avidia Bank$2.77B1.0%65.3%0.75%-0.03%1.1%101.2%12.2%
Westfield Bank$2.73B0.7%68.2%0.35%0.17%0.9%91.3%9.3%
Dedham Institution for Savings$2.60B0.9%73.2%1.15%0.00%0.7%98.9%11.2%
Cornerstone Bank$2.57B0.6%83.5%0.35%0.04%0.4%99.8%8.8%
South Shore Bank$2.52B0.7%69.1%0.24%0.00%0.9%76.8%9.6%
Country Bank for Savings$2.24B0.8%70.0%1.14%0.00%1.0%101.6%14.2%
Village Bank$2.07B0.5%75.9%0.23%0.00%0.5%94.5%8.5%
Bankesb$2.02B0.5%69.6%1.67%0.08%1.2%91.2%9.7%
Florence Bank$2.01B0.7%68.3%0.46%0.01%0.7%71.5%10.7%
Lowell Five Cent Savings Bank$1.90B0.8%61.7%1.03%0.01%1.3%90.2%12.3%
Fall River Five Cents Savings Bank$1.86B0.4%83.5%0.73%-0.02%0.7%105.2%7.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Dedham Institution for SavingsCohort median
20212026Change20212026Change
Loans$1.34B$2.03B+51%$1.18B$1.73B+46%
Deposits$1.58B$2.06B+30%$1.52B$1.87B+23%
NPA / loans0.12%1.15%+1.03 pts0.34%0.74%+0.40 pts
Efficiency67.3%73.2%+5.9 pts67.2%69.8%+2.6 pts
ROA1.37%0.87%-0.50 pts0.92%0.71%-0.21 pts

This read was prepared for Dedham Institution for Savings's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Dedham Institution for Savings is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $1B to $3B
Institution www.dedhamsavings.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue