← Back to Institutions
Dime Community Bank
Hauppauge, NY·FDIC Cert #6976·Charter: STATE·Est. 19090219.0·HC: DIME COMMUNITY BANCSHARES INC
Total Assets
$15.3B
Q4 2025
Return on Assets
0.87%
+0.03%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.42%
Peer avg: 54.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.87%+0.03
ROE
7.79%+0.32
Efficiency
53.42%-1.17
Equity/Assets
0.00%+0.00
NPL Ratio
0.49%-0.19
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.34%-5.14
Charge-offs
0.30%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.6 | 0.3 | 0.7 | 0.8 | 0.8 | 0.9 |
| ROE | 5.6 | 5.7 | 5.3 | 2.6 | 6.4 | 7.4 | 7.5 | 7.8 |
| Efficiency | 61.5 | 61.4 | 61.7 | 60.6 | 60.2 | 56.3 | 54.6 | 53.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.4 | 0.6 | 0.7 | 0.5 | 0.5 | 0.7 | 0.5 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.2 | 0.3 | 0.2 | 0.3 | 0.3 |
| Loan/Deposit | 98.0 | 97.2 | 94.4 | 91.7 | 92.2 | 91.2 | 87.5 | 82.3 |
Balance Sheet
Total Assets$15.3B
Total Deposits$12.9B
Total Loans$10.7B
Total Equity$1.6B
Profitability
ROA0.87%
ROE7.79%
Efficiency Ratio53.42%
Net Income$125.9M
Risk & Asset Quality
NPL Ratio0.49%
Charge-off Rate0.30%
Loan/Deposit82.34%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans