Dime Commercial Bank — Financials & Key Ratios
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Bridgehampton, NY, Dime Commercial Bank operates as a regional commercial bank with multi-state coverage. As of Q1 2026, the bank held approximately $15.0B in total assets and $12.7B in deposits. Earnings are mid-range — 0.98% ROA and a 3.28% net interest margin. Capital is comfortably above regulatory requirements — CET1 ratio of 14.62% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid — 1.49% nonperforming loans and a 9.84% Texas Ratio. Dime Commercial operates a 65-branch network.
Headquarters Profile
- Address
- 898 Veterans Memorial Hwy , BRIDGEHAMPTON , NY 11788
- County
- Suffolk
- Metro Area
- NEW YORK-NEWARK-JERSEY CITY, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 2
- Established
- February 19, 1909
- Branches
- 65 domestic
- Employees (FTE)
- 893
- FDIC Cert
- 6976
- Fed RSSD
- 23504
- Website
- www.dime.com →
- Parent Holding Company
- DIME COMMERCIAL BANCSHARES, INC. (RSSD 1416523)
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital — the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Dime Commercial Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2026-03-31 | 14.62% | 0.98% | 1.49% | 9.84% | 3.28% |
| 2025-12-31 | 14.40% | 0.95% | 1.16% | 7.85% | 3.26% |
| 2025-09-30 | 14.48% | 0.86% | 1.44% | 9.80% | 3.15% |
| 2025-06-30 | 14.15% | 0.96% | 1.16% | 8.09% | 3.09% |
| 2025-03-31 | 14.00% | 0.74% | 1.05% | 7.47% | 3.02% |
| 2024-12-31 | 13.94% | -0.54% | 1.18% | 8.49% | 2.92% |
| 2024-09-30 | 13.58% | 0.49% | 1.33% | 10.17% | 2.63% |
| 2024-06-30 | 13.36% | 0.61% | 1.18% | 9.12% | 2.45% |
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location. View all 63 branch locations →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dime Community Bank | Hauppauge , NY | 11788 | $2.1B |
| Staten Island Branch | Staten Island , NY | 10314 | $781.2M |
| Melville Branch | Melville , NY | 11747 | $702.9M |
| Cedarhurst Branch | Cedarhurst , NY | 11516 | $558.0M |
| Whitestone Branch | Whitestone , NY | 11357 | $400.0M |
| Grand Central Place Branch | New York , NY | 10165 | $384.0M |
| East Hampton Branch | East Hampton , NY | 11937 | $376.0M |
| Brooklyn Heights Branch | Brooklyn , NY | 11201 | $328.1M |
| Windmill Lane Branch | Southampton , NY | 11968 | $310.6M |
| Merrick Branch | Merrick , NY | 11566 | $302.0M |
| Bensonhurst Branch | Brooklyn , NY | 11228 | $300.1M |
| Bridgehampton Branch | Bridgehampton , NY | 11932 | $298.2M |
| Shirley Branch | Shirley , NY | 11967 | $282.2M |
| Airport Branch | Ronkonkoma , NY | 11779 | $269.0M |
| Deer Park Branch | Deer Park , NY | 11729 | $201.4M |
| Patchogue Branch | Patchogue , NY | 11772 | $191.8M |
| Rockville Centre Branch | Rockville Centre , NY | 11570 | $191.5M |
| Bellmore Branch | Bellmore , NY | 11710 | $151.3M |
| Riverhead Branch | Riverhead , NY | 11901 | $142.8M |
| Bay Shore Branch | Bay Shore , NY | 11706 | $135.7M |
| Sag Harbor Branch | Sag Harbor , NY | 11963 | $129.7M |
| 86Th Street Branch | Brooklyn , NY | 11209 | $127.9M |
| Hampton Bays Branch | Hampton Bays , NY | 11946 | $127.9M |
| Mattituck Branch | Mattituck , NY | 11952 | $127.0M |
| Melville Branch | Melville , NY | 11747 | $126.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- FailureFailure / assisted resolutionFDIC FAILURES
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
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Frequently asked about Dime Commercial Bank
What are Dime Commercial Bank's total assets?
As of the Q1 2026 filing, Dime Commercial Bank reported total assets of $14.99 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Dime Commercial Bank headquartered?
Dime Commercial Bank is headquartered in BRIDGEHAMPTON, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Dime Commercial Bank founded?
Dime Commercial Bank was established in 1909, per the FDIC institution directory.
Is Dime Commercial Bank FDIC-insured?
Yes. Dime Commercial Bank is an FDIC-insured commercial bank (FDIC Certificate #6976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dime Commercial Bank?
Dime Commercial Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Dime Commercial Bank's CET1 capital ratio?
Dime Commercial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.62% in its most recent quarterly filing — comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dime Commercial Bank operate?
Dime Commercial Bank operates 65 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Dime Commercial Bank's Texas Ratio?
Dime Commercial Bank's Texas Ratio is 9.84% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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