Dime Bank
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Data as of · sourced from FFIEC call reports. How we update
Dime Bank is an FDIC-insured savings bank headquartered in Norwich, CT, established in 1869 (FDIC certificate 18200), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.21B, up 1.7% from Q2 2025, the 14th largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 15.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18200
- Headquarters
- Norwich, CT
- Established
- 1869
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 15.18%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 211173373
- Asset rank in state
- 14th of 27 in Connecticut
Dime Bank, based in Norwich, Connecticut, reported $1.2 billion in assets at June 30, 2026, up 1.7% from a year earlier. It pays an average of 1.36% on its deposits and borrowings, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also carries problem assets equal to 1.3% of the capital and reserves that would absorb them, about a third the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $3.3 million, 65% above the same quarter a year earlier. Over the same year, loans grew 10.7% and deposits grew 3.1%. Costs are the weak spot: it spends about 69 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Dime Bank reported a CET1 capital ratio of 15.18%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Connecticut, Dime Bank is the 14th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $1.21B, loans rose 1.9% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 15.0%. Its 14 offices in the FDIC Summary of Deposits are in 12 cities across 2 states; its Norwich 3 offices book 35% of its branch deposits. On its Q2 2026 call report, Dime Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 290 Salem Tpke, Norwich, CT 06360
- County
- Southeastern Connecticut
- Metro Area
- Norwich-New London-Willimantic, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1869
- Former names
- The Dime Savings Bank of Norwich (1977-2004)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 159
- Domestic deposits
- $933.5M
- Allowance for credit losses
- $9.1M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $1.22B
- Average total loans
- $934.7M
- Average interest-bearing deposits
- $860.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1960
- FDIC Cert
- 18200
- Fed RSSD
- 311603
- Website
- http://www.dime-bank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Dime Bank's total assets moved between a low of $1.14B (Q2 2024) and a high of $1.22B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.21B total assets against $1.18B; $1.07B total liabilities against $1.06B.
$935.8M net loans and leases against $845.1M; $933.5M total deposits against $905.3M.
$180.1M securities against $258.0M; $30.0M cash and balances due against $24.7M.
$14.1M total interest income against $12.6M; $4.5M total interest expense against $4.8M.
$9.6M net interest income against $7.8M.
$1.3M total noninterest income against $1.3M; $7.6M total noninterest expense against $7.3M.
$425K provision for credit losses against $436K.
$3.3M net income against $2.0M.
1.06% return on assets against 0.66%; 3.28% net interest margin against 2.73%.
15.18% CET1 capital ratio against 15.15%; 11.76% tier 1 leverage ratio against 11.36%.
Inside the full Dime Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Dime Bank rankings
Its closest position to the top of a national ranking is 884 of 4,196, for total assets; its furthest is 2,689 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.15% (Q4 2025) to 1.06% (Q2 2026) and its net interest margin ran from 2.37% (Q3 2024) to 3.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.18% | 1.06% | 0.20% | 1.28% | 3.28% |
| Q1 2026 | 14.92% | 0.81% | 0.11% | 0.73% | 3.22% |
| Q4 2025 | 15.08% | 0.15% | 0.26% | 1.73% | 3.06% |
| Q3 2025 | 14.87% | 0.75% | 0.38% | 2.50% | 2.91% |
| Q2 2025 | 15.15% | 0.66% | 0.31% | 2.01% | 2.73% |
| Q1 2025 | 15.51% | 0.27% | 0.34% | 2.19% | 2.52% |
| Q4 2024 | 16.23% | 0.37% | 0.34% | 2.19% | 2.49% |
| Q3 2024 | 16.24% | 0.67% | 0.12% | 0.76% | 2.37% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dime Bank (main office) | Norwich , CT | 06360 | $158.0M |
| Norwichtown Branch | Norwich , CT | 06360 | $114.5M |
| Ledyard Branch | Ledyard , CT | 06339 | $108.4M |
| Taftville Branch | Taftville , CT | 06380 | $83.4M |
| Colchester Branch | Colchester , CT | 06415 | $69.6M |
| East Lyme Branch | East Lyme , CT | 06333 | $65.8M |
| Montville Branch | Uncasville , CT | 06382 | $62.6M |
| Westerly Branch | Westerly , RI | 02891 | $59.6M |
| Broadway Branch | Norwich , CT | 06360 | $50.3M |
| New London Branch | New London , CT | 06320 | $48.6M |
| Glastonbury Office Branch | Glastonbury , CT | 06033 | $39.1M |
| Stonington Branch | Stonington , CT | 06378 | $33.6M |
| Vernon Branch | Vernon , CT | 06066 | $22.7M |
| Manchester Office Branch | Manchester , CT | 06040 | $17.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in CT, rank 25 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 335 applications, 209 loans originated, $118.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dime Bank
What are Dime Bank's total assets?
As of the Q2 2026 filing, Dime Bank reported total assets of $1.21 billion in its FFIEC call report.
Where is Dime Bank headquartered?
It is headquartered in Norwich, CT, United States.
When was Dime Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Dime Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18200). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dime Bank?
Dime Bank's primary federal regulator is the FDIC.
What is Dime Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dime Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dime Bank's Texas Ratio?
Its Texas Ratio is 1.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Dime Bank previously called?
The charter now named Dime Bank has also operated as The Dime Savings Bank of Norwich (1977-2004), per FDIC structure-change records.
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