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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 $0.6MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $598.7M36%Noninterest $334.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.44%0.28%0.48%0.57%0.47%0.82%0.95%+47 bps
Return on Equity4.93%4.65%2.78%4.68%5.58%4.48%7.45%8.55%+388 bps
Net Interest Margin2.19%2.25%2.41%2.52%2.57%2.65%3.08%3.10%+58 bps
Efficiency Ratio87.93%85.59%79.58%80.34%79.10%76.36%64.30%67.02%-1,331 bps
Non-Interest Burden1.87%1.86%1.83%1.94%1.94%1.91%1.83%1.94%0 bps
Growth
Asset Growth (YoY)1.77%-1.34%1.09%4.07%3.23%2.64%4.14%1.75%-233 bps
Loan Growth (YoY)2.13%-0.75%1.20%6.95%12.32%15.54%14.12%10.72%+376 bps
Deposit Growth (YoY)-1.66%-1.52%1.10%3.56%2.60%2.35%4.07%3.12%-44 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.34%0.34%0.31%0.38%0.26%0.11%0.20%-11 bps
Net Charge-Offs / Loans-0.06%-0.05%0.00%0.00%0.01%0.10%0.62%0.32%+32 bps
Allowance / Loans0.93%0.93%0.97%0.97%0.99%1.05%0.94%0.96%-1 bps
Allowance Coverage of NPLs7.9x2.7x2.8x3.2x2.6x4.0x8.4x4.9x+1.7x
Capital
Tier 1 Leverage Ratio11.03%11.22%11.12%11.36%11.30%11.24%11.55%11.76%+40 bps
Total Risk-Based Capital17.15%17.13%16.43%16.09%15.81%16.14%15.85%16.14%+6 bps
Equity / Assets9.83%9.91%10.19%10.40%10.57%10.97%10.91%11.32%+92 bps
Liquidity & Funding
Loans / Deposits87.81%88.80%89.89%94.28%96.13%100.25%98.57%101.22%+695 bps
Liquid Assets / Assets4.47%3.66%2.97%1.29%1.76%1.53%3.15%1.60%+31 bps
CRE / Total Capitaln/an/an/an/a304%330%336%n/an/a