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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

4.72%Q2 ’244.77%Q2 ’254.71%Q2 ’26+26%+10%

Non-interest income vs. expense

1.64%Q2 ’241.71%Q2 ’251.73%Q2 ’26+7%+3%

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 1.01%, up 5 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.64% of loans (+15 bps YoY), with net charge-offs at 0.36%.
  • 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 (quarter, annualized)

1.01%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.23%+28 bps YoY

Efficiency Ratio (quarter, annualized)

49.26%-330 bps YoY

Tier 1 Leverage Ratio

10.67%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.86%0.96%0.97%1.01%+5 bps
Return on Equity8.38%7.60%8.71%8.90%9.00%+61 bps
Net Interest Margin2.95%3.01%3.12%3.15%3.23%+28 bps
Efficiency Ratio52.56%51.50%50.29%49.79%49.26%-330 bps
Non-Interest Burden1.39%1.38%1.41%1.40%1.43%+4 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 / Loans0.20%0.47%0.27%0.32%0.36%+16 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