Dime Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.65 percentage points in Q2 2026, from 98.57% to 101.22%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Dime Bank is 9th of 27 on loan-to-deposit ratio, 101.22% as of Q2 2026, above the middle of the field. Dime Bank reported 101.22% on loan-to-deposit ratio for Q2 2026, 13.02 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $944.9M |
| Net loans and leases | $935.8M |
| Loans held for sale | $0 |
| Loans to total assets | 78.38% |
| Loan-to-deposit ratio | 101.22% |
| Net loans to equity capital | 6.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.80% |
| Multifamily (5+ residential) | 14.88% |
| Commercial and industrial | 6.48% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.40% |
| Construction concentration (Tier 1 capital + allowance) | 61.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.33% |
| Interest income on loans | $12.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $770.7M | $911.5M | 26.10% | 8.65% | 0.06% |
| Q4 2023 | $800.5M | $908.5M | 26.71% | 7.54% | 0.07% |
| Q1 2024 | $803.1M | $894.4M | 26.16% | 7.53% | 0.07% |
| Q2 2024 | $798.0M | $874.1M | 26.26% | 7.35% | 0.06% |
| Q3 2024 | $787.1M | $896.4M | 25.50% | 6.87% | 0.06% |
| Q4 2024 | $794.5M | $894.7M | 25.61% | 7.51% | 0.06% |
| Q1 2025 | $812.8M | $904.2M | 24.58% | 7.68% | 0.09% |
| Q2 2025 | $853.4M | $905.3M | 24.80% | 7.84% | 0.10% |
| Q3 2025 | $884.1M | $919.7M | 25.64% | 7.59% | 0.08% |
| Q4 2025 | $918.0M | $915.7M | 25.59% | 6.78% | 0.07% |
| Q1 2026 | $927.5M | $941.0M | 25.95% | 6.74% | 0.06% |
| Q2 2026 | $944.9M | $933.5M | 25.80% | 6.48% | 0.05% |
Dime Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dime Bank, freeSource: Call Report Schedule RC-C, 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)