The Dime Bank
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Data as of · sourced from FFIEC call reports. How we update
The Dime Bank is an FDIC-insured commercial bank headquartered in Honesdale, PA, established in 1906 (FDIC certificate 9888), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.19B, up 7.3% from Q2 2025, the 39th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 13.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9888
- Headquarters
- Honesdale, PA
- Established
- 1906
- Total assets, Q2 2026
- $1.19B
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 13.95%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 031308551
- Holding company
- DIMECO, INC
- Asset rank in state
- 39th of 109 in Pennsylvania
The Dime Bank earns an unusually wide margin on its lending. The Honesdale, Pennsylvania bank had $1.2 billion in assets at June 30, 2026, up 7.3% from a year earlier. It keeps 4.57 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it carries problem assets equal to 8.1% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
Net income for the quarter rose 12% from a year earlier, to $5.2 million. Over the same year, loans grew 11.4% and deposits grew 6.0%.
As of June 30, 2026, The Dime Bank reported a CET1 capital ratio of 13.95%, a return on assets of 1.73%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 8.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Dime Bank is the 39th largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets rose 4.3% to $1.19B, loans rose 3.3% and deposits rose 2.8%. Owner-occupied commercial real estate loans made up 34.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.7%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in PA; its Honesdale 2 offices book 36% of its branch deposits. Judged on its Q2 2026 call report, The Dime Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 820 Church St, Honesdale, PA 18431
- County
- Wayne
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- The Dime Bank (1986)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 160
- Domestic deposits
- $1.01B
- Allowance for credit losses
- $14.2M
- Net charge-offs (YTD)
- $965K
- Average total assets
- $1.19B
- Average total loans
- $859.0M
- Average interest-bearing deposits
- $965.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9888
- Fed RSSD
- 56717
- SEC CIK
- 898037 → filed by DIMECO, INC
- Website
- www.thedime.bank →
- Parent Holding Company
- DIMECO, INC (RSSD 2065432)
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
Over the 12 quarters to Q2 2026, The Dime Bank's total assets ran between $984.8M (Q3 2023) and $1.19B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.19B total assets against $1.11B; $1.07B total liabilities against $1.00B.
$859.5M net loans and leases against $771.9M; $1.01B total deposits against $955.0M.
$232.2M securities against $242.1M; $33.3M cash and balances due against $30.3M.
$18.0M total interest income against $16.6M; $5.1M total interest expense against $5.4M.
$12.9M net interest income against $11.2M.
$2.1M total noninterest income against $1.8M; $8.0M total noninterest expense against $7.3M.
$522K provision for credit losses against -$32K.
$5.2M net income against $4.6M.
1.73% return on assets against 1.63%; 4.57% net interest margin against 4.23%.
13.95% CET1 capital ratio against 13.78%; 11.74% tier 1 leverage ratio against 11.14%.
Inside the full The Dime Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Dime Bank rankings
Its closest position to the top of a national ranking is 888 of 4,196, for total assets; its furthest is 617 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.17% (Q1 2025) to 1.73% (Q2 2026) and its net interest margin ran from 3.86% (Q1 2025) to 4.61% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.95% | 1.73% | 1.30% | 8.11% | 4.57% |
| Q1 2026 | 13.98% | 1.68% | 1.33% | 8.35% | 4.61% |
| Q4 2025 | 13.79% | 1.34% | 1.46% | 9.08% | 4.44% |
| Q3 2025 | 13.70% | 1.70% | 1.39% | 8.92% | 4.46% |
| Q2 2025 | 13.78% | 1.63% | 1.42% | 9.30% | 4.23% |
| Q1 2025 | 13.49% | 1.17% | 1.48% | 9.89% | 3.86% |
| Q4 2024 | 12.67% | 1.34% | 1.52% | 10.43% | 3.98% |
| Q3 2024 | 12.54% | 1.46% | 1.11% | 7.53% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| The Dime Bank | Honesdale , PA | 18431 | $350.1M |
| Lake Region Office | Hawley , PA | 18428 | $192.9M |
| Dingmans Ferry Branch | Dingmans Ferry , PA | 18328 | $105.0M |
| Damascus Branch | Damascus , PA | 18415 | $82.1M |
| Hawley Branch | Hawley , PA | 18428 | $79.1M |
| Greentown Branch | Greentown , PA | 18426 | $78.2M |
| Carbondale Office | Carbondale , PA | 18407 | $78.1M |
| Steamtown Branch | Scranton , PA | 18503 | $30.1M |
| Texas Palmyra Branch | Honesdale , PA | 18431 | $16.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in PA, rank 56 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 376 applications, 256 loans originated, $36.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 The Dime Bank
What are The Dime Bank's total assets?
As of the Q2 2026 filing, The Dime Bank reported total assets of $1.19 billion in its FFIEC call report.
Where is The Dime Bank headquartered?
It is headquartered in Honesdale, PA, United States.
When was The Dime Bank founded?
It was established in 1906, per the FDIC institution directory.
Is The Dime Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9888). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Dime Bank?
The Dime Bank's primary federal regulator is the FDIC.
What is The Dime Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Dime Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Dime Bank's Texas Ratio?
Its Texas Ratio is 8.11% 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 The Dime Bank previously called?
The charter now named The Dime Bank has also operated as The Dime Bank (1986), per FDIC structure-change records.
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