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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.28% | 0.72% | 0.83% | 0.84% | 0.87% | 0.97% | 0.99% | +16 bps | |
| Return on Equity | 5.25% | 2.61% | 6.41% | 7.40% | 7.47% | 7.79% | 8.90% | 8.95% | +155 bps | |
| Net Interest Margin | 2.34% | 2.43% | 2.88% | 2.89% | 2.88% | 2.84% | 3.15% | 3.20% | +31 bps | |
| Efficiency Ratio | 61.72% | 60.55% | 60.16% | 56.26% | 54.59% | 53.42% | 49.79% | 49.52% | -674 bps | |
| Non-Interest Burden | 1.33% | 1.35% | 1.61% | 1.49% | 1.42% | 1.37% | 1.40% | 1.42% | -6 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 | 0.10% | 0.18% | 0.26% | 0.23% | 0.31% | 0.30% | 0.32% | 0.34% | +11 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 | |