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Letter portraitLegal landscapeQuarterYTD

Dedham Town Employees

Dedham, MA · Charter 15073

NCUA · 1 branch

Q2 2026

$9.3MAssets
$2.0MLoans
$8.0MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, up 16 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 2.38% of loans (+9 bps YoY).
  • Capital: net worth / assets of 13.87%, up 101 bps from a year ago.
  • Funding: loans stand at 24.52% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+21 bps YoY

Efficiency Ratio (YTD, annualized)

85.31%+429 bps YoY

Net Worth / Assets

13.87%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%-2.52%0.77%0.28%0.43%0.42%1.08%0.45%+16 bps
Return on Equity4.30%-18.32%5.69%2.21%3.26%3.08%7.78%3.22%+101 bps
Net Interest Margin3.91%0.35%3.96%3.41%3.35%3.38%3.73%3.62%+21 bps
Efficiency Ratio80.93%552%77.87%81.02%79.12%81.75%78.69%85.31%+429 bps
Growth
Asset Growth (YoY)-12.09%-6.80%-1.04%9.32%10.14%5.44%1.04%-3.01%-1,233 bps
Loan Growth (YoY)-9.01%-11.10%-9.80%-11.03%-11.29%-11.73%-21.25%-19.27%-824 bps
Share Growth (YoY)-14.54%-7.93%-2.53%10.49%12.26%5.86%1.44%-4.17%-1,466 bps
Asset Quality
Delinquent Loans / Loans1.81%0.01%1.39%2.29%2.10%2.04%2.16%2.38%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.20%0.24%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.14%13.74%13.60%12.86%13.24%13.51%13.82%13.87%+101 bps
Net Worth / Assets14.14%13.74%13.60%12.86%13.24%13.51%13.82%13.87%+101 bps
Liquidity & Funding
Loans / Shares36.37%33.97%32.85%29.11%28.74%28.33%25.50%24.52%-459 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps