Dividend paying savings institution stocks
Thrifts and savings institutions are the small end of banking: heavy mortgage exposure, modest growth, and often surprisingly generous and stable dividends.
36 operating companies currently paying a dividend, median yield 2.54%. Funds and ETFs are excluded on purpose — this is companies only. Prices as of Oct 15, 2026.
- 1TFSLTFS Financial Corporation7.84%
- 2KRNYKearny Financial Corp.4.78%
- 3BBTBeacon Financial Corporation4.69%
- 4PFSProvident Financial Services, Inc.4.32%
- 5CFFNCapitol Federal Financial, Inc.4.01%
- 6BCBPBCB Bancorp, Inc. (NJ)3.85%
- 7HFWAHeritage Financial Corporation3.63%
- 8NECBNortheast Community Bancorp, Inc.3.61%
- 9WSBFWaterstone Financial, Inc.3.47%
- 10NFBKNorthfield Bancorp, Inc.3.40%
- 1NRIMNorthrim BanCorp Inc2.76% · payout 21%
- 2CZWICitizens Community Bancorp, Inc.1.96% · payout 16%
- 3FMAOFarmers & Merchants Bancorp, Inc.2.61% · payout 24%
- 4SFBCSound Financial Bancorp, Inc.1.92% · payout 26%
- 5HBCPHome Bancorp, Inc.1.95% · payout 20%
- 6FCAPFirst Capital, Inc.2.00% · payout 23%
- 7BCBPBCB Bancorp, Inc. (NJ)3.85% · payout 11%
- 8SMBCSouthern Missouri Bancorp, Inc.1.51% · payout 16%
- 9HTBHomeTrust Bancshares, Inc.1.29% · payout 14%
- 10FSBWFS Bancorp, Inc. Common Stock2.62% · payout 26%
- 1NECBNortheast Community Bancorp, Inc.44.6%/yr
- 2MGYRMagyar Bancorp, Inc.11.9%/yr
- 3CZWICitizens Community Bancorp, Inc.11.4%/yr
- 4HTBHomeTrust Bancshares, Inc.11.1%/yr
- 5SMBCSouthern Missouri Bancorp, Inc.9.9%/yr
- 6NRIMNorthrim BanCorp Inc8.6%/yr
- 7EBCEastern Bankshares, Inc. Common Stock8.4%/yr
- 8WNEBWestern New England Bancorp, Inc.7.0%/yr
- 9KRNYKearny Financial Corp.6.6%/yr
- 10FMAOFarmers & Merchants Bancorp, Inc.6.4%/yr
No company in this sector pays monthly — the quarterly cheque is the norm here. For monthly income, look at REITs, BDCs and specialty finance.
Specialty financeAll 36 savings institutions dividend payers
36 shown · click any column to sort
| Company | Industry | Yield | Annual $ | Payout | Div growth | Streak | Quality | Size | 1Y |
|---|---|---|---|---|---|---|---|---|---|
EBCraised Eastern Bankshares, Inc. Common Stock | Savings Institutions | 2.85% | $0.60 | 30% | +8.4%* | 5y | 57 | $4.8B | +23.8% |
Flagstar Bank, N.A. | Savings Institutions | 0.35% | $0.04 | 133% | 0.0%† | — | 25 | $4.7B | -0.5% |
TFSLraised TFS Financial Corporation | Savings Institutions | 7.84% | $1.27 | 314% | +0.2% | — | 38 | $4.5B | +28.9% |
BankUnited, Inc. | Savings Institutions | 3.16% | $1.32 | 35% | +6.3% | — | 69 | $3.0B | +18.6% |
Provident Financial Services, Inc. | Savings Institutions | 4.32% | $0.96 | 40% | +0.8% | — | 61 | $2.9B | +24.3% |
BBTraised Beacon Financial Corporation | Savings Institutions | 4.69% | $1.29 | 42% | — | — | 74 | $2.3B | +18.2% |
Heritage Financial Corporation | Savings Institutions | 3.63% | $1.00 | 46% | +3.7% | 13y | 72 | $1.1B | +24.7% |
CFFNraised Capitol Federal Financial, Inc. | Savings Institutions | 4.01% | $0.34 | 52% | +11.8%† | — | 63 | $1.0B | +35.5% |
NB Bancorp, Inc. Common Stock | Savings Institutions | 1.24% | $0.28 | 18% | — | 1y | 55 | $974M | +28.1% |
Southern Missouri Bancorp, Inc. | Savings Institutions | 1.51% | $1.08 | 16% | +9.9% | 13y | 76 | $765M | +46.7% |
HTBraised HomeTrust Bancshares, Inc. | Savings Institutions | 1.29% | $0.60 | 14% | +11.1% | 1y | 75 | $758M | +20.5% |
Northfield Bancorp, Inc. | Savings Institutions | 3.40% | $0.52 | 400% | +3.4% | — | 12 | $639M | +29.6% |
Greene County Bancorp, Inc. | Savings Institutions | 1.28% | $0.44 | 17% | +10.8%† | 11y | 67 | $586M | +60.1% |
Kearny Financial Corp. | Savings Institutions | 4.78% | $0.44 | 77% | +6.6% | — | 44 | $572M | +38.0% |
Northrim BanCorp Inc | Savings Institutions | 2.76% | $0.68 | 21% | +8.6% | 15y | 85 | $541M | +19.2% |
Home Bancorp, Inc. | Savings Institutions | 1.95% | $1.28 | 20% | +5.3% | 10y | 77 | $518M | +28.6% |
Farmers & Merchants Bancorp, Inc. | Savings Institutions | 2.61% | $0.92 | 24% | +6.4% | 20y | 79 | $482M | +52.8% |
NECBraised Northeast Community Bancorp, Inc. | Savings Institutions | 3.61% | $1.00 | 27% | +44.6% | — | 75 | $380M | +41.1% |
Waterstone Financial, Inc. | Savings Institutions | 3.47% | $0.68 | 36% | +10.0%† | — | 70 | $356M | +36.2% |
Timberland Bancorp, Inc. | Savings Institutions | 2.64% | $1.20 | 28% | +5.6% | 13y | 72 | $351M | +45.6% |
FS Bancorp, Inc. Common Stock | Savings Institutions | 2.62% | $1.16 | 26% | +4.8% | 12y | 75 | $351M | +19.9% |
Western New England Bancorp, Inc. | Savings Institutions | 2.07% | $0.28 | 34% | +7.0% | — | 71 | $272M | +24.6% |
BCB Bancorp, Inc. (NJ) | Savings Institutions | 3.85% | $0.32 | 11% | +2.7% | 4y | 76 | $251M | +3.7% |
First Capital, Inc. | Savings Institutions | 2.00% | $1.28 | 23% | +4.6% | 10y | 77 | $208M | +57.3% |
CZWIcut Citizens Community Bancorp, Inc. | Savings Institutions | 1.96% | $0.42 | 16% | +11.4% | — | 81 | $205M | +40.4% |
Finward Bancorp Common Stock | Savings Institutions | 1.15% | $0.48 | 21% | -17.3% | — | 59 | $179M | +31.4% |
SRBKraised SR Bancorp, Inc. Common stock | Savings Institutions | 1.30% | $0.24 | 48% | +46.7%† | — | 63 | $136M | +27.1% |
LSBKcut Lake Shore Bancorp, Inc. | Savings Institutions | 2.00% | $0.36 | 32% | -6.0% | — | 67 | $136M | +44.6% |
First Guaranty Bancshares, Inc. | Savings Institutions | 0.47% | $0.04 | 200% | -42.6% | — | 34 | $134M | +4.3% |
MGYRraised Magyar Bancorp, Inc. | Savings Institutions | 2.10% | $0.40 | 19% | +11.9%* | 4y | 29 | $121M | +17.2% |
Riverview Bancorp Inc | Savings Institutions | 1.34% | $0.08 | 35% | -16.7% | — | 50 | $120M | +19.3% |
Provident Financial Holdings, Inc. | Savings Institutions | 3.03% | $0.56 | 54% | 0.0% | 7y | 69 | $112M | +16.3% |
SFBCraised Sound Financial Bancorp, Inc. | Savings Institutions | 1.92% | $0.84 | 26% | +4.8% | — | 78 | $110M | -3.2% |
HFBLraised Home Federal Bancorp, Inc. of Louisiana | Savings Institutions | 2.48% | $0.60 | 27% | +5.7%† | 12y | 70 | $73M | +69.9% |
TCBSraised Texas Community Bancshares, Inc. Common Stock | Savings Institutions | 1.41% | $0.24 | 17% | +37.5%† | — | 63 | $49M | +6.3% |
KFFBcut Kentucky First Federal Bancorp | Savings Institutions | 3.27% | $0.20 | — | 0.0% | — | 22 | $47M | +48.0% |
Operating companies only — ETFs, closed-end funds, ADRs and preferred shares or baby bonds are excluded. Payout ratio and raise-streak data isn't published for every company; blanks mean we don't have it rather than zero. * marks a 3-year growth rate where 5 years isn't available; † marks a 12-month growth rate shown because the longer rate is distorted by a stock split.
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Frequently asked
How many savings institutions stocks pay a dividend?
We currently track 36 savings institutions operating companies paying a dividend, with a median yield of 2.54%. ETFs, closed-end funds and ADRs are excluded from this count — those are funds, not companies.
Which savings institutions stock has the highest dividend yield?
TFSL shows the highest trailing yield in the sector at 7.84%. Treat the very top of any yield list with suspicion: an unusually high figure is often a special or one-off payment sitting in the trailing rate, or a share price that has collapsed.
Are high-yield savings institutions dividends safe?
Yield alone tells you nothing about safety. In this sector 30 of 36 companies pay out 60% or less of earnings, which is the group with genuine room to keep raising. 3 have cut their dividend recently, and 11 have raised.
Do any savings institutions companies pay monthly dividends?
No. Every dividend payer in this sector pays quarterly, semi-annually or annually. Monthly dividends are concentrated in REITs, BDCs and specialty finance.
How often is this list updated?
Nightly. Prices, yields, payout ratios and performance come from our own data pipeline, and this page reflects prices as of Oct 15, 2026. New dividend initiations and cuts are picked up automatically.
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