Dedham Institution for Savings is a si headquartered in Dedham, Massachusetts, in business for about 195 years. At the end of Q2 2026 it reported $2.6B in total assets and $2.1B in deposits, with 15 offices.
Dedham Institution for Savings has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 63rd. Problem-loan coverage contributes the most (79/100, 10.4%); funding & liquidity contributes the least (39/100, 98% loans-to-deposits, 36% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 58 |
| Q1 2025 | 56 |
| Q2 2025 | 59 |
| Q3 2025 | 62 |
| Q4 2025 | 62 |
| Q1 2026 | 58 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.14% |
| Q3 2024 | 11.14% |
| Q4 2024 | 10.92% |
| Q1 2025 | 10.85% |
| Q2 2025 | 10.94% |
| Q3 2025 | 11.07% |
| Q4 2025 | 11.31% |
| Q1 2026 | 11.21% |
| Q2 2026 | 11.39% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.68% |
| Q2 2026 | 1.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $2.6B | 11.39% | 1.15% | 0.88% | 98.1% |
| Q1 2026 | 58 | $2.6B | 11.21% | 0.68% | 0.32% | 96.8% |
| Q4 2025 | 62 | $2.6B | 11.31% | 0.62% | 0.71% | 97.6% |
| Q3 2025 | 62 | $2.6B | 11.07% | 0.60% | 0.58% | 101.3% |
| Q2 2025 | 59 | $2.5B | 10.94% | 0.72% | 0.47% | 103.3% |
| Q1 2025 | 56 | $2.5B | 10.85% | 0.71% | 0.16% | 102.6% |
| Q4 2024 | 58 | $2.5B | 10.92% | 0.74% | 0.44% | 105.8% |
| Q3 2024 | 62 | $2.4B | 11.14% | 0.74% | 0.59% | 99.2% |
| Q2 2024 | 62 | $2.4B | 11.14% | 0.57% | 0.52% | 101.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cornerstone BankBank Spencer, MA | 60 out of 100, Moderate | $2.6B | 9.2% | 0.35% | vs |
| South Shore BankBank South Weymouth, MA | 65 out of 100, Moderate | $2.5B | 10.1% | 0.24% | vs |
| Westfield BankBank Westfield, MA | 62 out of 100, Moderate | $2.7B | 9.4% | 0.35% | vs |
| Avidia BankBank Hudson, MA | 67 out of 100, Moderate | $2.8B | 12.4% | 0.75% | vs |
| BayCoast BankBank Swansea, MA | 46 out of 100, Below average | $2.9B | 8.3% | 1.45% | vs |
| Country Bank for SavingsBank Ware, MA | 71 out of 100, Strong | $2.2B | 14.8% | 1.14% | vs |
Deposit insurance
Is my money safe at Dedham Institution for Savings?
Yes. Dedham Institution for Savings is an FDIC-insured institution (FDIC certificate #23620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.7% of deposits ($735.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.69% (benchmark: 10%).
15 locations
Branches
Dedham Institution for Savings lists 13 offices in 8 cities. Most locations:
- Dedham, MA (4)
- Needham, MA (2)
- Walpole, MA (2)
- Canton, MA (1)
- Norwood, MA (1)
- Sharon, MA (1)
- South Boston, MA (1)
- Westwood, MA (1)
Identity & history
Profile
- Legal name
- Dedham Institution for Savings
- Type
- SI
- FDIC certificate #
- 23620
- RSSD ID
- 193809
- Primary regulator
- FDIC
- Holding company
- Charlesbridge Mhc
- Established
- March 19, 1831
- Headquarters
- 55 Elm St, Dedham, MA 02026
- Website
- www.dedhamsavings.com
- Employees
- 231
Quick answers
Dedham Institution for Savings: common questions
Is Dedham Institution for Savings FDIC insured?
Yes. Dedham Institution for Savings is an FDIC-insured institution (FDIC certificate #23620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Dedham Institution for Savings's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Dedham Institution for Savings ever failed?
There is no failure record for FDIC certificate #23620 in the FDIC failed bank list.
How many branches does Dedham Institution for Savings have?
15 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dedham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |