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

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

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.99%	0.74%	0.98%	1.14%	Beats 53%	7 / 15
Return on Equity	8.81%	5.21%	8.81%	10.53%	Beats 47%	8 / 15
Net Interest Margin	3.20%	1.76%	2.56%	3.09%	Beats 80%	3 / 15
Efficiency Ratio	49.68%	49.33%	55.36%	65.80%	Beats 73%	5 / 15
Asset Quality
Nonperforming Loans / Loans	0.64%	0.39%	0.66%	0.92%	Beats 60%	7 / 15
Net Charge-Offs / Loans	0.18%	0.01%	0.03%	0.10%	Beats 13%	14 / 15
Capital
Tier 1 Capital Ratio	14.76%	12.31%	14.32%	17.39%	Beats 67%	5 / 15
Total Risk-Based Capital Ratio	15.77%	13.34%	14.76%	19.29%	Beats 67%	5 / 15
Equity / Assets	11.27%	8.06%	10.22%	12.59%	Beats 53%	7 / 15
Liquidity & Funding
Loans / Deposits	84.04%	52.62%	85.61%	96.57%	40th pctl	9 / 15
Loans / Assets	71.22%	32.81%	69.81%	78.17%	60th pctl	6 / 15
Brokered Deposits / Deposits	n/a	Not reported for this institution