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Dime Commercial Bank

Bridgehampton, NY · Cert 6976 · Dime Community Bancshares Inc.

State charter, Fed member · FED · 63 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area3

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 over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

73

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 Commercial Bank

Bridgehampton, NY · Cert 6976 · Dime Community Bancshares Inc.

State charter, Fed member · FED · 63 branches

Q2 2026

$15.0BAssets
$10.7BLoans
$12.7BDeposits
$1.7BEquity
Loan mix
90%RE $8.9B10%C&I $1.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $8.7B32%Noninterest $4.1BQ2 2025Q2 2026

NIM

4.74%Q2 ’244.69%Q2 ’254.69%Q2 ’26+27%+11%

Non-interest income vs. expense

1.59%Q2 ’241.78%Q2 ’251.72%Q2 ’26+17%-4%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.4% share · #25 of 151 inst. · $12.7B of $2921.1B

9.9% Suffolk
2.0% Nassau
2.2% Kings
1.3% Queens

Executive Summary

  • Earnings: ROA of 0.99%, up 16 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.64% of loans (+15 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 10.67%, down 14 bps from a year ago.
  • Funding: loans stand at 84.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+31 bps YoY

Efficiency Ratio (YTD, annualized)

49.52%-674 bps YoY

Tier 1 Leverage Ratio

10.67%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.84%0.87%0.97%0.99%+16 bps
Return on Equity7.40%7.47%7.79%8.90%8.95%+155 bps
Net Interest Margin2.89%2.88%2.84%3.15%3.20%+31 bps
Efficiency Ratio56.26%54.59%53.42%49.79%49.52%-674 bps
Non-Interest Burden1.49%1.42%1.37%1.40%1.42%-6 bps
Growth
Asset Growth (YoY)4.90%5.80%6.94%6.43%5.89%+100 bps
Loan Growth (YoY)0.41%-1.65%-1.23%-2.02%-1.64%-205 bps
Deposit Growth (YoY)6.90%6.06%9.94%8.32%7.69%+79 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.67%0.49%0.89%0.64%+15 bps
Net Charge-Offs / Loans0.23%0.31%0.30%0.32%0.34%+11 bps
Allowance / Loans0.86%0.88%0.90%0.95%0.98%+12 bps
Allowance Coverage of NPLs1.8x1.3x1.9x1.1x1.5x-0.2x
Capital
Tier 1 Leverage Ratio10.82%10.63%10.17%10.42%10.67%-14 bps
Total Risk-Based Capital15.06%15.40%15.35%15.60%15.77%+71 bps
Equity / Assets11.40%11.29%10.73%11.12%11.27%-13 bps
Liquidity & Funding
Loans / Deposits92.01%88.26%83.09%84.09%84.04%-797 bps
Liquid Assets / Assets12.00%15.53%18.84%17.53%17.09%+508 bps
CRE / Total Capitaln/a540%531%508%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 Commercial Bank

Bridgehampton, NY · Cert 6976 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Dime Community Bancshares Inc.

State charter, Fed member · FED · 63 branches

Q2 2026

$15.0BAssets
$10.7BLoans
$12.7BDeposits
$1.7BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 3 of 15).
  • Widest gap: net charge-offs / loans trails 87% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 14 of 15).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

0.99%

Rank 7 of 15

Net Interest Margin

3.20%

Rank 3 of 15

Efficiency Ratio

49.68%

Rank 5 of 15

Equity / Assets

11.27%

Rank 7 of 15

Non-interest income vs. expense

$45.1M$256.6MINCOMEEXPENSE
Unfavorable gap of $211.5M · efficiency ratio beats 73% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 49.68%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.74%0.98%1.14%Beats 53%7 / 15
Return on Equity8.81%5.21%8.81%10.53%Beats 47%8 / 15
Net Interest Margin3.20%1.76%2.56%3.09%Beats 80%3 / 15
Efficiency Ratio49.68%49.33%55.36%65.80%Beats 73%5 / 15
Asset Quality
Nonperforming Loans / Loans0.64%0.39%0.66%0.92%Beats 60%7 / 15
Net Charge-Offs / Loans0.18%0.01%0.03%0.10%Beats 13%14 / 15
Capital
Tier 1 Capital Ratio14.76%12.31%14.32%17.39%Beats 67%5 / 15
Total Risk-Based Capital Ratio15.77%13.34%14.76%19.29%Beats 67%5 / 15
Equity / Assets11.27%8.06%10.22%12.59%Beats 53%7 / 15
Liquidity & Funding
Loans / Deposits84.04%52.62%85.61%96.57%40th pctl9 / 15
Loans / Assets71.22%32.81%69.81%78.17%60th pctl6 / 15
Brokered Deposits / Depositsn/aNot reported for this institution