Bank Comparison
Dime Commercial Bank vs Bell Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Dime Commercial Bank | Bell Bank |
|---|---|---|
| CET1 Ratio | 14.62% | 11.51% |
| Tier 1 Capital Ratio | 14.62% | 11.51% |
| Total Capital Ratio | 15.60% | 12.61% |
| Tier 1 Leverage Ratio | 10.42% | 9.83% |
| Equity / Assets | 11.12% | 9.78% |
Profitability
| Metric | Dime Commercial Bank | Bell Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 0.95% |
| Return on Equity (ROE) | 8.90% | 9.77% |
| Net Interest Margin (NIM) | 3.28% | 2.77% |
| Yield on Earning Assets | 4.87% | 5.11% |
| Cost of Funds | 1.70% | 2.51% |
Asset quality
| Metric | Dime Commercial Bank | Bell Bank |
|---|---|---|
| Texas Ratio | 9.84% | 8.30% |
| Non-Performing Loan Ratio | 1.49% | 1.01% |
| Non-Performing Asset Ratio | 1.06% | 0.88% |
| Net Charge-Off Ratio | 0.32% | 0.02% |
| ACL / Loans | 0.95% | 1.04% |
Balance sheet
| Metric | Dime Commercial Bank | Bell Bank |
|---|---|---|
| Total Assets | $14,990M | $14,816M |
| Total Deposits | $12,667M | $12,670M |
| Total Loans | $10,651M | $12,797M |
| Total Equity | $1,667M | $1,449M |
| Net Income (quarter) | $36,862K | $34,969K |
Liquidity & funding
| Metric | Dime Commercial Bank | Bell Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.09% | 101.01% |
| Core Deposit Ratio | 95.88% | 86.28% |
| Uninsured Deposit Ratio | 51.63% | 24.68% |
Identity
| Metric | Dime Commercial Bank | Bell Bank |
|---|---|---|
| Headquarters City | BRIDGEHAMPTON | FARGO |
| Headquarters State | NY | ND |
| Asset Tier | 3: $10B-100B | 3: $10B-100B |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 65 | 34 |
| Employees (FTE) | 893 | 1,918 |
| Established | Feb. 19, 1909, midnight | May 6, 1966, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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