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Dime Bank

Norwich, CT · Cert 18200

SI · FDIC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dime Bank

Norwich, CT · Cert 18200

SI · FDIC · 14 branches

Q2 2026

$1.2BAssets
$944.9MLoans
$933.5MDeposits
$136.5MEquity
Loan mix
93%RE $817.7M7%C&I $62.5M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $598.7M36%Noninterest $334.8MQ2 2025Q2 2026

NIM

3.86%Q2 ’244.14%Q2 ’254.57%Q2 ’26+16%+23%

Non-interest income vs. expense

2.35%Q2 ’242.37%Q2 ’252.37%Q2 ’26+1%0%

Market Position · Norwich-New London-Willimantic, CT · 2026 SOD (annual) · 11.9% share · #5 of 14 inst. · $0.8B of $6.7B

11.9% Southeastern Connecticut
0.1% Capitol
1.0% Washington

Executive Summary

  • Earnings: ROA of 0.95%, up 47 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.20% of loans (-11 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 11.76%, up 40 bps from a year ago.
  • Funding: loans stand at 101.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+58 bps YoY

Efficiency Ratio (YTD, annualized)

67.02%-1,331 bps YoY

Tier 1 Leverage Ratio

11.76%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.57%0.47%0.82%0.95%+47 bps
Return on Equity4.68%5.58%4.48%7.45%8.55%+388 bps
Net Interest Margin2.52%2.57%2.65%3.08%3.10%+58 bps
Efficiency Ratio80.34%79.10%76.36%64.30%67.02%-1,331 bps
Non-Interest Burden1.94%1.94%1.91%1.83%1.94%0 bps
Growth
Asset Growth (YoY)4.07%3.23%2.64%4.14%1.75%-233 bps
Loan Growth (YoY)6.95%12.32%15.54%14.12%10.72%+376 bps
Deposit Growth (YoY)3.56%2.60%2.35%4.07%3.12%-44 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.38%0.26%0.11%0.20%-11 bps
Net Charge-Offs / Loans0.00%0.01%0.10%0.62%0.32%+32 bps
Allowance / Loans0.97%0.99%1.05%0.94%0.96%-1 bps
Allowance Coverage of NPLs3.2x2.6x4.0x8.4x4.9x+1.7x
Capital
Tier 1 Leverage Ratio11.36%11.30%11.24%11.55%11.76%+40 bps
Total Risk-Based Capital16.09%15.81%16.14%15.85%16.14%+6 bps
Equity / Assets10.40%10.57%10.97%10.91%11.32%+92 bps
Liquidity & Funding
Loans / Deposits94.28%96.13%100.25%98.57%101.22%+695 bps
Liquid Assets / Assets1.29%1.76%1.53%3.15%1.60%+31 bps
CRE / Total Capitaln/a304%330%336%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Dime Bank

Norwich, CT · Cert 18200 · Peer group: banks $1B-$10B in assets operating regionally (n=176)

SI · FDIC · 14 branches

Q2 2026

$1.2BAssets
$944.9MLoans
$933.5MDeposits
$136.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks $1B-$10B in assets operating regionally (rank 27 of 176).
  • Widest gap: net charge-offs / loans trails 86% of banks $1B-$10B in assets operating regionally (rank 153 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.95%

Rank 129 of 176

Net Interest Margin

3.10%

Rank 150 of 176

Efficiency Ratio

67.02%

Rank 130 of 176

Equity / Assets

11.32%

Rank 56 of 176

Non-interest income vs. expense

$5.3M$29.0MINCOMEEXPENSE
Unfavorable gap of $23.7M · efficiency ratio beats 27% of banks $1B-$10B in assets operating regionally
Bank 67.02%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.93%1.26%1.54%Beats 27%129 / 176
Return on Equity8.37%9.26%11.89%14.46%Beats 18%145 / 176
Net Interest Margin3.10%3.25%3.59%3.93%Beats 15%150 / 176
Efficiency Ratio67.02%52.79%59.55%67.66%Beats 27%130 / 176
Asset Quality
Nonperforming Loans / Loans0.20%0.30%0.64%1.32%Beats 85%27 / 176
Net Charge-Offs / Loans0.16%0.01%0.04%0.10%Beats 14%153 / 176
Capital
Tier 1 Capital Ratio15.18%11.15%12.72%14.15%Beats 85%27 / 176
Total Risk-Based Capital Ratio16.14%11.81%13.63%15.33%Beats 83%30 / 176
Equity / Assets11.32%9.16%10.35%11.80%Beats 68%56 / 176
Liquidity & Funding
Loans / Deposits101.22%80.94%89.73%97.21%88th pctl22 / 176
Loans / Assets78.38%69.25%75.12%80.82%65th pctl61 / 176
Brokered Deposits / Depositsn/aNot reported for this institution