🏦Bank Scorer

DEDHAM INSTITUTION FOR SAVINGS

DEDHAM, MA · Supervised by FDIC

Est. 1831FDIC #23,620RSSD: FDIC-23620
Part ofCHARLESBRIDGE MHC→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.32%

Institution Profile

FDIC BankFind

Address

55 Elm St, DEDHAM, MA

County

Norfolk County

Established

March 19, 1831

Total Assets

$2.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$2.0B

Net Loans

$2.0B

Net Income

$2M

ROA

0.32%

ROE

2.93%

Risk-Based Capital

14.61%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.05%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$1.9B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202438077.63%6.05%
202346778.37%3.64%
202264180.81%2.96%
202195383.63%3.99%
20201,22280.28%4.34%
201962084.03%3.55%
201854476.47%7.35%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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