BlastPoint's Banking Scorecard
Dedham Institution for Savings
Community
Specialty: Commercial
MA
FDIC cert 23620
Dedham, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Dedham Institution for Savings faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24% in Community
- - Net Interest Margin 0.95% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+3.3% YoY
+0.4% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$2.0B
+1.7% YoY
-0.3% QoQ
|
+$994.5M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.0B
+10.1% YoY
+3.4% QoQ
|
+$853.0M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
0.71%
+61.1% YoY
+21.8% QoQ
|
-0.45% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.71%
+12.1% YoY
+1.7% QoQ
|
-0.95% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
73.88%
-18.9% YoY
-3.7% QoQ
|
+11.25% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.62%
-16.3% YoY
+2.4% QoQ
|
-0.01% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
97.64%
-7.7% YoY
-3.6% QoQ
|
+14.57% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
13.22%
-0.6% YoY
-1.1% QoQ
|
-7.82% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.77%
-5.0% YoY
+3.2% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.68%
+0.7% YoY
+2.1% QoQ
|
+3.44% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.20%
+20.6% YoY
+36.9% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#125 of 513 · Bottom 24% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.64%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 10%
in Community
Why this stands out
Current:
2.71%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
64
64th pctile
Tier 1 Capital Ratio
Current: 13.68% · Tier avg: 10.24%
39
39th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 73.88% · Tier avg: 62.63%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.22% · Tier avg: 21.05%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.64% · Tier avg: 83.06%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
10
10th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.64% · Tier avg: 83.06%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.22% · Tier avg: 21.05%
19
19th pctile
Efficiency Ratio
Current: 73.88% · Tier avg: 62.63%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.68% · Tier avg: 10.24%
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M