Bank Comparison
Dime Community Bank vs Bank of America California, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Dime Community Bank | Bank of America California, N.A. |
|---|---|---|
| CET1 Ratio | 14.62% | 37.26% |
| Tier 1 Capital Ratio | 14.62% | 37.26% |
| Total Capital Ratio | 15.60% | 37.55% |
| Tier 1 Leverage Ratio | 10.42% | 12.41% |
| Equity / Assets | 11.12% | 12.65% |
Profitability
| Metric | Dime Community Bank | Bank of America California, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 0.73% |
| Return on Equity (ROE) | 8.90% | 5.89% |
| Net Interest Margin (NIM) | 3.28% | 1.77% |
| Yield on Earning Assets | 4.87% | 3.51% |
| Cost of Funds | 1.70% | 2.01% |
Asset quality
| Metric | Dime Community Bank | Bank of America California, N.A. |
|---|---|---|
| Texas Ratio | 9.84% | 3.48% |
| Non-Performing Loan Ratio | 1.49% | 0.67% |
| Non-Performing Asset Ratio | 1.06% | 0.44% |
| Net Charge-Off Ratio | 0.32% | 0.00% |
| ACL / Loans | 0.95% | 0.14% |
Balance sheet
| Metric | Dime Community Bank | Bank of America California, N.A. |
|---|---|---|
| Total Assets | $14,990M | $15,126M |
| Total Deposits | $12,667M | $12,639M |
| Total Loans | $10,651M | $9,745M |
| Total Equity | $1,667M | $1,914M |
| Net Income (quarter) | $36,862K | $28,000K |
Liquidity & funding
| Metric | Dime Community Bank | Bank of America California, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 84.09% | 77.10% |
| Core Deposit Ratio | 97.58% | 96.04% |
| Uninsured Deposit Ratio | 51.63% | 5.95% |
Identity
| Metric | Dime Community Bank | Bank of America California, N.A. |
|---|---|---|
| Headquarters City | BRIDGEHAMPTON | SAN FRANCISCO |
| Headquarters State | NY | CA |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 24077 |
| Regulator | FED | OCC |
| Domestic Branches | 65 | 1 |
| Employees (FTE) | 893 | 0 |
| Established | Feb. 19, 1909, midnight | May 18, 1984, 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 . 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.
View full Dime Community Bank profile | View full Bank of America California, N.A. profile | Browse all bank comparisons