Dedham Institution for Savings: how it compares with its peers
Against 30 MA banks with half to twice its assets, Dedham Institution for Savings's strongest measure in Q2 2026 is return on assets (0.88% vs. a 0.68% peer median). Its weakest relative measure is net interest margin (2.89% vs. 3.08%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.88% | 0.68% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.89% | 3.08% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.16% | 69.65% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.3M | $10.5M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.14% | 95.53% | Context |
What it means for lending operations
Its efficiency ratio of 73.16% is above the 69.65% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Cornerstone Bank Spencer, MA · $2.57B
- South Shore Bank South Weymouth, MA · $2.52B
- Westfield Bank Westfield, MA · $2.73B
- Avidia Bank Hudson, MA · $2.77B
- BayCoast Bank Swansea, MA · $2.86B
- Country Bank for Savings Ware, MA · $2.24B
Questions about Dedham Institution for Savings
How big is Dedham Institution for Savings?
Dedham Institution for Savings, established in 1831, is headquartered in Dedham, MA. It reported $2.60B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is Dedham Institution for Savings's return on assets?
0.88% annualized in Q2 2026, against a 0.68% median for 30 MA banks with half to twice its assets, ahead of 83% of them.
What is Dedham Institution for Savings's efficiency ratio?
73.16% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 69.65%, and lower is better.
Is Dedham Institution for Savings growing its loans?
Net loans grew 2.4% over the year to Q2 2026, while deposits grew 7.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.