Dime Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.14% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.14% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.18% +8.68 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $143.8M | 143,781 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $947.1M | 947,075 | RCOAA223 |
| Recomputed ratio | 15.18% | numerator / denominator | |
| Filed ratio | 15.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.68 pp | $82.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.18% +7.18 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $143.8M | 143,781 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $947.1M | 947,075 | RCOAA223 |
| Recomputed ratio | 15.18% | numerator / denominator | |
| Filed ratio | 15.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.18 pp | $68.0M | capital that could be lost first |
Total risk-based capital ratio 16.14% +6.14 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $152.9M | 152,891 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $947.1M | 947,075 | RCOAA223 |
| Recomputed ratio | 16.14% | numerator / denominator | |
| Filed ratio | 16.14% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.14 pp | $58.2M | capital that could be lost first |
Tier 1 leverage ratio 11.76% +6.76 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $143.8M | 143,781 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.22B | 1,222,744 | RCOAA224 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.76 pp | $82.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 143,761 | 140,510 | 138,047 | 137,601 | 135,316 | 133,341 | RCOAKW00 |
| Accumulated other comprehensive income | (7,281) | (7,264) | (7,010) | (10,237) | (12,117) | (13,920) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 136,480 | 133,246 | 131,037 | 127,364 | 123,199 | 119,421 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,301 | 7,284 | 7,030 | 10,257 | 12,137 | 13,940 | P859 - P840 |
| Common equity Tier 1 capital | 143,781 | 140,530 | 138,067 | 137,621 | 135,336 | 133,361 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 143,781 | 140,530 | 138,067 | 137,621 | 135,336 | 133,361 | RCOA8274 |
| Tier 2 capital | 9,110 | 8,759 | 9,652 | 8,726 | 8,312 | 7,879 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,110 | 8,759 | 9,652 | 8,726 | 8,312 | 7,879 | RCOA5310 |
| Total capital | 152,891 | 149,289 | 147,719 | 146,347 | 143,648 | 141,240 | RCOA3792 |
| Total risk-weighted assets | 947,075 | 942,171 | 915,505 | 925,757 | 893,026 | 859,873 | RCOAA223 |
| Average total assets for the leverage ratio | 1,222,744 | 1,216,685 | 1,227,846 | 1,217,726 | 1,190,970 | 1,199,508 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $30.0M | $1.9M | 6.41% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $194.5M | $83.5M | 42.92% | 8.82% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $492.8M | $323.1M | 65.57% | 34.11% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $419K | $628K | 150.00% | 0.07% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $451.7M | $451.7M | 100.00% | 47.70% | RC-R Part II, item 4.d, 5.d |
| All other assets | $48.0M | $44.1M | 91.83% | 4.66% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $28.8M | $33.6M | 116.78% | 3.55% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $8.5M | NA | 0.89% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $938.6M | does not tie to item 31 ($942.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $947.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $947.1M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.18% | 15.18% | 16.14% | 11.76% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.92% | 14.92% | 15.85% | 11.55% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.08% | 15.08% | 16.14% | 11.24% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.87% | 14.87% | 15.81% | 11.30% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.15% | 15.15% | 16.09% | 11.36% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.51% | 15.51% | 16.43% | 11.12% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 16.23% | 16.23% | 17.13% | 11.22% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 16.24% | 16.24% | 17.15% | 11.03% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 15.83% | 15.83% | 16.74% | 11.02% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 16.10% | 16.10% | 17.08% | 10.73% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 16.12% | 16.12% | 17.11% | 10.62% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 16.07% | 16.07% | 16.99% | 10.85% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Dime Bank (this bank) | Risk-based | 15.18% | 15.18% | 16.14% | 11.76% | |
| Dallas Capital Bank, National Association | $1.21B | CBLR | NA | NA | NA | 11.35% |
| Pacific Coast Bankers' Bank | $1.21B | Risk-based | 22.98% | 22.98% | 23.91% | 11.35% |
| Provident Savings Bank, F.S.B. | $1.21B | Risk-based | 19.41% | 19.41% | 20.34% | 10.30% |
| The First National Bank of Hutchinson | $1.21B | Risk-based | 15.17% | 15.17% | 16.42% | 11.49% |
| Southwest Missouri Bank | $1.21B | Risk-based | 15.30% | 15.30% | 16.39% | 8.73% |
| Citizens Bank & Trust | $1.20B | Risk-based | 14.67% | 14.67% | 15.64% | 8.93% |
| BankFirst | $1.21B | Risk-based | 17.87% | 17.87% | 18.94% | 15.31% |
| West Michigan Community Bank | $1.21B | CBLR | NA | NA | NA | 9.22% |
| Solvay Bank | $1.20B | CBLR | NA | NA | NA | 9.53% |
| Peer 25th percentile | 15.20% | 15.20% | 16.40% | 9.22% | ||
| Peer median | 16.59% | 16.59% | 17.68% | 10.30% | ||
| Peer 75th percentile | 19.02% | 19.02% | 19.99% | 11.35% | ||
| This bank's percentile | 33 | 33 | 17 | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/311603/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.