Dime Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 44.36 percentage points in Q2 2026, from 279.48% to 235.12%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Dime Bank is 11th of 27 on return on assets, 1.06% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Dime Bank sits 0.21 points lower, at 1.06% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.18% |
| Tier 1 risk-based capital ratio | 15.18% |
| Total risk-based capital ratio | 16.14% |
| Tier 1 leverage ratio | 11.76% |
| Equity capital to assets | 11.32% |
| Tangible equity to tangible assets | 11.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.66% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 235.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 9.65% |
| Net interest margin | 3.28% |
| Efficiency ratio | 69.34% |
| Yield on earning assets | 4.82% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.22% |
| Core deposits to total deposits | 92.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.44% |
| Securities to assets | 14.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.07% | 16.07% | 16.99% | 10.85% | 0.20% |
| Q4 2023 | 16.12% | 16.12% | 17.11% | 10.62% | -0.11% |
| Q1 2024 | 16.10% | 16.10% | 17.08% | 10.73% | 0.29% |
| Q2 2024 | 15.83% | 15.83% | 16.74% | 11.02% | 0.38% |
| Q3 2024 | 16.24% | 16.24% | 17.15% | 11.03% | 0.67% |
| Q4 2024 | 16.23% | 16.23% | 17.13% | 11.22% | 0.37% |
| Q1 2025 | 15.51% | 15.51% | 16.43% | 11.12% | 0.27% |
| Q2 2025 | 15.15% | 15.15% | 16.09% | 11.36% | 0.66% |
| Q3 2025 | 14.87% | 14.87% | 15.81% | 11.30% | 0.75% |
| Q4 2025 | 15.08% | 15.08% | 16.14% | 11.24% | 0.15% |
| Q1 2026 | 14.92% | 14.92% | 15.85% | 11.55% | 0.81% |
| Q2 2026 | 15.18% | 15.18% | 16.14% | 11.76% | 1.06% |
Dime Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dime Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)