Bank Comparison
Dime Commercial Bank vs Live Oak Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Dime Commercial Bank | Live Oak Banking Company |
|---|---|---|
| CET1 Ratio | 14.62% | 10.61% |
| Tier 1 Capital Ratio | 14.62% | 10.61% |
| Total Capital Ratio | 15.60% | 11.87% |
| Tier 1 Leverage Ratio | 10.42% | 7.81% |
| Equity / Assets | 11.12% | 7.69% |
Profitability
| Metric | Dime Commercial Bank | Live Oak Banking Company |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 0.89% |
| Return on Equity (ROE) | 8.90% | 11.66% |
| Net Interest Margin (NIM) | 3.28% | 3.28% |
| Yield on Earning Assets | 4.87% | 6.35% |
| Cost of Funds | 1.70% | 3.25% |
Asset quality
| Metric | Dime Commercial Bank | Live Oak Banking Company |
|---|---|---|
| Texas Ratio | 9.84% | 46.22% |
| Non-Performing Loan Ratio | 1.49% | 4.78% |
| Non-Performing Asset Ratio | 1.06% | 4.03% |
| Net Charge-Off Ratio | 0.32% | 0.60% |
| ACL / Loans | 0.95% | 1.53% |
Balance sheet
| Metric | Dime Commercial Bank | Live Oak Banking Company |
|---|---|---|
| Total Assets | $14,990M | $15,229M |
| Total Deposits | $12,667M | $13,966M |
| Total Loans | $10,651M | $12,593M |
| Total Equity | $1,667M | $1,171M |
| Net Income (quarter) | $36,862K | $33,645K |
Liquidity & funding
| Metric | Dime Commercial Bank | Live Oak Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 84.09% | 90.17% |
| Core Deposit Ratio | 95.88% | 67.58% |
| Uninsured Deposit Ratio | 51.63% | 17.01% |
Identity
| Metric | Dime Commercial Bank | Live Oak Banking Company |
|---|---|---|
| Headquarters City | BRIDGEHAMPTON | WILMINGTON |
| Headquarters State | NY | NC |
| Asset Tier | 3: $10B-100B | 3: $10B-100B |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 65 | 1 |
| Employees (FTE) | 893 | 1,010 |
| Established | Feb. 19, 1909, midnight | May 12, 2008, 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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