The Dime Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Dime Bank of Honesdale, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.73% | 1.43% | +0.30% | 79th top |
| ROAE | 16.36% | 12.50% | +3.86% | 78th top |
| Net Interest Margin | 4.57% | 3.84% | +0.73% | 90th top |
| Efficiency Ratio | 53.09% | 58.88% | -5.79% | 66th above |
| PPNR / Avg Assets | 2.33% | 1.78% | +0.55% | 83rd top |
| Yield on Earning Assets | 6.38% | 5.71% | +0.67% | 87th top |
| Cost of Funds | 1.70% | 2.03% | -0.33% | 70th above |
| Net Interest Spread | 3.86% | 3.18% | +0.68% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.27% | 0.96% | +1.31% | 9th bottom |
| NPA / Total Assets | 1.68% | 0.75% | +0.93% | 9th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.31% | -0.26% | 41st below |
| ACL / Total Loans | 1.62% | 1.25% | +0.37% | 90th top |
| ACL / NPLs (Coverage) | 71.59% | 699.54% | -627.95% | 17th bottom |
| Texas Ratio | 14.01% | 7.15% | +6.86% | 13th bottom |
| Provision / NCO | 145.80% | 815.42% | -669.62% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.95% | 17.41% | -3.46% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.95% | 17.45% | -3.50% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.20% | 18.50% | -3.30% | 60th above |
| Leverage Ratio | 11.74% | 11.60% | +0.14% | 74th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.78% | 11.33% | -0.55% | 56th above |
| TCE / Tangible Assets | 10.78% | 10.65% | +0.13% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.29% | 86.35% | -0.06% | 56th above |
| Core Deposit Ratio | 88.90% | 85.55% | +3.35% | 53rd above |
| Uninsured Deposit Ratio | 27.51% | 32.71% | -5.20% | 62nd above |
| Wholesale Funding Ratio | 3.12% | 5.46% | -2.34% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.35% | 10.46% | -3.11% | 65th above |
| Loan Growth (Y/Y) | 11.45% | 7.99% | +3.46% | 78th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.02% | 7.98% | -1.96% | 59th above |
See The Dime Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Dime Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Dime Bank profile, how to read a UBPR, or how this data updates.