Dime Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets rose 0.41 percentage points from Q1 2026 to Q2 2026, ending at 11.32% against 10.91%. It was the largest change among the key lines on this page. Dime Bank ranks 7th of 17 Connecticut banks on CET1 ratio, in the upper half at 15.18% (Q2 2026). Dime Bank reported 15.18% on CET1 ratio for Q2 2026, 1.70 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.18% |
| Tier 1 risk-based capital ratio | 15.18% |
| Total risk-based capital ratio | 16.14% |
| Tier 1 leverage ratio | 11.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $143.8M |
| Tier 1 capital | $143.8M |
| Total risk-based capital | $152.9M |
| Total equity capital | $136.5M |
| Risk-weighted assets | $947.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.32% |
| Tangible equity to tangible assets | 11.32% |
| Equity capital to average assets | 11.16% |
| Internal capital growth rate | 9.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $143.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.07% | 16.07% | 16.99% | 10.85% | $795.4M |
| Q4 2023 | 16.12% | 16.12% | 17.11% | 10.62% | $790.6M |
| Q1 2024 | 16.10% | 16.10% | 17.08% | 10.73% | $797.3M |
| Q2 2024 | 15.83% | 15.83% | 16.74% | 11.02% | $817.5M |
| Q3 2024 | 16.24% | 16.24% | 17.15% | 11.03% | $809.5M |
| Q4 2024 | 16.23% | 16.23% | 17.13% | 11.22% | $816.8M |
| Q1 2025 | 15.51% | 15.51% | 16.43% | 11.12% | $859.9M |
| Q2 2025 | 15.15% | 15.15% | 16.09% | 11.36% | $893.0M |
| Q3 2025 | 14.87% | 14.87% | 15.81% | 11.30% | $925.8M |
| Q4 2025 | 15.08% | 15.08% | 16.14% | 11.24% | $915.5M |
| Q1 2026 | 14.92% | 14.92% | 15.85% | 11.55% | $942.2M |
| Q2 2026 | 15.18% | 15.18% | 16.14% | 11.76% | $947.1M |
Dime Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dime Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dime Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18200) · FFIEC NIC profile (RSSD 311603)