Dime Commercial Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Dime Commercial Bank leans heavily on commercial real estate. Based in Bridgehampton, New York, it had $15.0 billion in assets at June 30, 2026, up 5.9% from a year earlier. It holds commercial real estate loans worth 3.6 times its capital, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 2.2 times). It also shrank its loan book 1.6% over the year, lower than about 9 in 10 banks its size (median 6.3%).
The multifamily book ($3.1 billion) is worsening: 3.90% of it is past due or on nonaccrual, up from 1.32% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 1.6% and deposits rose 7.7%. Funding is the softer spot: it holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
As of June 30, 2026, Dime Commercial Bank reported a CET1 capital ratio of 14.76%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 4.14%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 898 Veterans Memorial Hwy, Bridgehampton, NY 11788
- County
- Suffolk
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 19, 1909
- Former names
- Dime Community Bank (2021-2026); BNB Bank (2017-2021)
- Offices
- 64 domestic
- Employees (FTE)
- 931
- Domestic deposits
- $12.74B
- Allowance for credit losses
- $105.0M
- Net charge-offs (YTD)
- $18.2M
- Average total assets
- $14.88B
- Average total loans
- $10.66B
- Average interest-bearing deposits
- $8.60B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6976
- Fed RSSD
- 23504
- SEC CIK
- 846617 → filed by DIME COMMERCIAL BANCSHARES, INC.
- Website
- www.dime.com →
- Parent Holding Company
- DIME COMMERCIAL BANCSHARES, INC. (RSSD 1416523) · DCOM
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stuart H Lubow | CEO | President & CEO |
| Avinash Reddy | CFO | SEVP - CHIEF FINANCIAL OFFICER |
| Michael Fegan | CTO | Chief Technology & Ops Officer |
| Christopher J Porzelt | CRO | Chief Risk Officer |
| Judy Wu | GC | EVP General Counsel & Corp Sec |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Dime Commercial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Dime Commercial Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Dime Commercial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Dime Commercial Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.76% | 1.02% | 0.64% | 4.14% | 3.37% |
| Q1 2026 | 14.62% | 0.98% | 0.89% | 5.86% | 3.28% |
| Q4 2025 | 14.40% | 0.95% | 0.49% | 3.26% | 3.26% |
| Q3 2025 | 14.48% | 0.86% | 0.67% | 4.51% | 3.15% |
| Q2 2025 | 14.15% | 0.96% | 0.49% | 3.37% | 3.09% |
| Q1 2025 | 14.00% | 0.74% | 0.53% | 3.74% | 3.02% |
| Q4 2024 | 13.94% | -0.54% | 0.65% | 4.63% | 2.92% |
| Q3 2024 | 13.58% | 0.49% | 0.57% | 4.29% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 63 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dime Commercial Bank (main office) | Hauppauge , NY | 11788 | $1.94B |
| Staten Island Branch | Staten Island , NY | 10314 | $1.01B |
| Melville Branch | Melville , NY | 11747 | $914.2M |
| Cedarhurst Branch | Cedarhurst , NY | 11516 | $746.1M |
| Grand Central Place Branch | New York , NY | 10165 | $553.9M |
| Brooklyn Heights Branch | Brooklyn , NY | 11201 | $465.3M |
| Whitestone Branch | Whitestone , NY | 11357 | $378.5M |
| East Hampton Branch | East Hampton , NY | 11937 | $359.3M |
| Bensonhurst Branch | Brooklyn , NY | 11228 | $319.9M |
| Shirley Branch | Shirley , NY | 11967 | $317.6M |
| Windmill Lane Branch | Southampton , NY | 11968 | $302.1M |
| Bridgehampton Branch | Bridgehampton , NY | 11932 | $291.4M |
| Airport Branch | Ronkonkoma , NY | 11779 | $261.9M |
| Merrick Branch | Merrick , NY | 11566 | $234.0M |
| Rockville Centre Branch | Rockville Centre , NY | 11570 | $215.1M |
| Deer Park Branch | Deer Park , NY | 11729 | $193.5M |
| 86th Street Branch | Brooklyn , NY | 11209 | $185.0M |
| Williamsburg Branch | Brooklyn , NY | 11249 | $179.1M |
| Patchogue Branch | Patchogue , NY | 11772 | $166.6M |
| Riverhead Branch | Riverhead , NY | 11901 | $163.9M |
| Mattituck Branch | Mattituck , NY | 11952 | $154.5M |
| Bellmore Branch | Bellmore , NY | 11710 | $143.8M |
| Bay Shore Branch | Bay Shore , NY | 11706 | $136.1M |
| Great Neck Branch | Great Neck , NY | 11021 | $134.0M |
| Hampton Bays Branch | Hampton Bays , NY | 11946 | $131.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2021 | Structure Change | Acquired Dime Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 20, 2015 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2014 | Structure Change | Acquired First National Bank of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 28, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 28, 2011 | Structure Change | Acquired Hamptons State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Dime Commercial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in NY, rank 21 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 480 applications, 276 loans originated, $220.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $12.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Dime Commercial Bank
What are Dime Commercial Bank's total assets?
As of the Q2 2026 filing, Dime Commercial Bank reported total assets of $15.03 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Dime Commercial Bank headquartered?
Dime Commercial Bank is headquartered in Bridgehampton, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Dime Commercial Bank founded?
Dime Commercial Bank was established in 1909, per the FDIC institution directory.
Is Dime Commercial Bank FDIC-insured?
Yes. Dime Commercial Bank is an FDIC-insured commercial bank (FDIC Certificate #6976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dime Commercial Bank?
Dime Commercial Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Dime Commercial Bank's CET1 capital ratio?
Dime Commercial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dime Commercial Bank operate?
Dime Commercial Bank operates 64 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dime Commercial Bank's Texas Ratio?
Dime Commercial Bank's Texas Ratio is 4.14% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Dime Commercial Bank previously called?
The charter now named Dime Commercial Bank has also operated as Dime Community Bank (2021-2026), BNB Bank (2017-2021), per FDIC structure-change records.
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