The 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 6.5% in Q2 2026 to -$11.4M, the biggest move on this page. Within Pennsylvania, The Dime Bank is 36th of 72 on CET1 ratio, 13.95% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Dime Bank sits 0.47 points higher, at 13.95% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.95% |
| Tier 1 risk-based capital ratio | 13.95% |
| Total risk-based capital ratio | 15.20% |
| Tier 1 leverage ratio | 11.74% |
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 | $140.2M |
| Tier 1 capital | $140.2M |
| Total risk-based capital | $152.8M |
| Total equity capital | $128.8M |
| Risk-weighted assets | $1.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.78% |
| Tangible equity to tangible assets | 10.78% |
| Equity capital to average assets | 10.79% |
| Internal capital growth rate | 12.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $333K |
| Common stock surplus | $1.8M |
| Retained earnings | $138.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.4M |
| 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 | 12.67% | 12.67% | 13.92% | 10.94% | $859.0M |
| Q4 2023 | 12.84% | 12.84% | 14.09% | 11.06% | $867.5M |
| Q1 2024 | 12.70% | 12.70% | 13.95% | 11.14% | $887.9M |
| Q2 2024 | 12.74% | 12.74% | 13.99% | 11.06% | $901.3M |
| Q3 2024 | 12.54% | 12.54% | 13.79% | 11.12% | $938.9M |
| Q4 2024 | 12.67% | 12.67% | 13.89% | 11.05% | $949.9M |
| Q1 2025 | 13.49% | 13.49% | 14.74% | 10.98% | $908.9M |
| Q2 2025 | 13.78% | 13.78% | 15.03% | 11.14% | $915.3M |
| Q3 2025 | 13.70% | 13.70% | 14.95% | 11.37% | $948.0M |
| Q4 2025 | 13.79% | 13.79% | 15.04% | 11.36% | $961.2M |
| Q1 2026 | 13.98% | 13.98% | 15.23% | 11.82% | $974.4M |
| Q2 2026 | 13.95% | 13.95% | 15.20% | 11.74% | $1.00B |
The Dime Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Dime Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9888) · FFIEC NIC profile (RSSD 56717)