Bridgehampton, NY · Cert 6976 · Dime Community Bancshares Inc.
State charter, Fed member · FED · 63 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.4% share · #25 of 151 inst. · $12.7B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | -0.53% | 0.72% | 0.95% | 0.86% | 0.96% | 0.97% | 1.01% | +5 bps | |
| Return on Equity | 4.47% | -4.82% | 6.41% | 8.38% | 7.60% | 8.71% | 8.90% | 9.00% | +61 bps | |
| Net Interest Margin | 2.51% | 2.79% | 2.88% | 2.95% | 3.01% | 3.12% | 3.15% | 3.23% | +28 bps | |
| Efficiency Ratio | 62.31% | 57.57% | 60.16% | 52.56% | 51.50% | 50.29% | 49.79% | 49.26% | -330 bps | |
| Non-Interest Burden | 1.47% | 1.49% | 1.61% | 1.39% | 1.38% | 1.41% | 1.40% | 1.43% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | 5.24% | 4.54% | 4.90% | 5.80% | 6.94% | 6.43% | 5.89% | +100 bps | |
| Loan Growth (YoY) | 0.47% | 1.03% | 0.91% | 0.41% | -1.65% | -1.23% | -2.02% | -1.64% | -205 bps | |
| Deposit Growth (YoY) | 7.36% | 11.51% | 7.10% | 6.90% | 6.06% | 9.94% | 8.32% | 7.69% | +79 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.65% | 0.53% | 0.49% | 0.67% | 0.49% | 0.89% | 0.64% | +15 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.39% | 0.26% | 0.20% | 0.47% | 0.27% | 0.32% | 0.36% | +16 bps | |
| Allowance / Loans | 0.78% | 0.81% | 0.83% | 0.86% | 0.88% | 0.90% | 0.95% | 0.98% | +12 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.3x | 1.6x | 1.8x | 1.3x | 1.9x | 1.1x | 1.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.55% | 10.75% | 10.85% | 10.82% | 10.63% | 10.17% | 10.42% | 10.67% | -14 bps | |
| Total Risk-Based Capital | 14.43% | 14.81% | 14.88% | 15.06% | 15.40% | 15.35% | 15.60% | 15.77% | +71 bps | |
| Equity / Assets | 10.92% | 11.01% | 11.34% | 11.40% | 11.29% | 10.73% | 11.12% | 11.27% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.18% | 92.50% | 92.96% | 92.01% | 88.26% | 83.09% | 84.09% | 84.04% | -797 bps | |
| Liquid Assets / Assets | 8.39% | 12.81% | 11.31% | 12.00% | 15.53% | 18.84% | 17.53% | 17.09% | +508 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 540% | 531% | 508% | n/a | n/a | |