Dime Commercial Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.77% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.77% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 14.76% +8.26 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $1.57B | 1,572,373 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $10.66B | 10,655,102 | RCOAA223 |
| Recomputed ratio | 14.76% | numerator / denominator | |
| Filed ratio | 14.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.26 pp | $879.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.76% +6.76 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $1.57B | 1,572,373 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $10.66B | 10,655,102 | RCOAA223 |
| Recomputed ratio | 14.76% | numerator / denominator | |
| Filed ratio | 14.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.76 pp | $720.0M | capital that could be lost first |
Total risk-based capital ratio 15.77% +5.77 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $1.68B | 1,679,995 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $10.66B | 10,655,102 | RCOAA223 |
| Recomputed ratio | 15.77% | numerator / denominator | |
| Filed ratio | 15.77% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.77 pp | $614.5M | capital that could be lost first |
Tier 1 leverage ratio 10.67% +5.67 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $1.57B | 1,572,373 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $14.73B | 14,730,958 | RCOAA224 |
| Recomputed ratio | 10.67% | numerator / denominator | |
| Filed ratio | 10.67% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.67 pp | $835.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 988,514 | 986,022 | 984,184 | 982,239 | 980,176 | 978,385 | RCOAP742 |
| Retained earnings | 737,278 | 714,493 | 692,721 | 691,963 | 676,016 | 657,335 | RCOAKW00 |
| Accumulated other comprehensive income | (31,573) | (33,019) | (31,468) | (33,596) | (37,937) | (38,832) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,694,219 | 1,667,496 | 1,645,437 | 1,640,606 | 1,618,255 | 1,596,888 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (121,846) | (120,534) | (122,230) | (120,271) | (116,093) | (115,362) | P859 - P840 |
| Common equity Tier 1 capital | 1,572,373 | 1,546,962 | 1,523,207 | 1,520,335 | 1,502,162 | 1,481,526 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,572,373 | 1,546,962 | 1,523,207 | 1,520,335 | 1,502,162 | 1,481,526 | RCOA8274 |
| Tier 2 capital | 107,622 | 103,407 | 99,989 | 96,821 | 96,412 | 93,504 | RCOA5311 |
| Allowance includable in Tier 2 capital | 107,622 | 103,407 | 99,989 | 96,821 | 96,412 | 93,504 | RCOA5310 |
| Total capital | 1,679,995 | 1,650,369 | 1,623,196 | 1,617,156 | 1,598,574 | 1,575,030 | RCOA3792 |
| Total risk-weighted assets | 10,655,102 | 10,578,886 | 10,575,242 | 10,499,583 | 10,613,946 | 10,585,679 | RCOAA223 |
| Average total assets for the leverage ratio | 14,730,958 | 14,840,011 | 14,970,360 | 14,296,389 | 13,888,183 | 13,655,040 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $1.93B | $8.9M | 0.46% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.63B | $401.8M | 24.64% | 3.77% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.17B | $605.8M | 51.82% | 5.69% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $64.1M | $96.2M | 150.00% | 0.90% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $9.47B | $8.35B | 88.13% | 78.36% | RC-R Part II, item 4.d, 5.d |
| All other assets | $629.8M | $541.5M | 85.98% | 5.08% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $580.5M | $580.0M | 99.90% | 5.44% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $111.7M | $44.0M | 39.42% | 0.41% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $28.2M | NA | 0.26% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $10.63B | ties to item 31 ($10.63B) |
|---|---|---|
| Risk-weighted assets before deductions | $10.66B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $10.66B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 14.76% | 14.76% | 15.77% | 10.67% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 14.62% | 14.62% | 15.60% | 10.42% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 14.40% | 14.40% | 15.35% | 10.17% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 14.48% | 14.48% | 15.40% | 10.63% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 14.15% | 14.15% | 15.06% | 10.82% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 14.00% | 14.00% | 14.88% | 10.85% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.94% | 13.94% | 14.81% | 10.75% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.58% | 13.58% | 14.43% | 10.55% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.36% | 13.36% | 14.13% | 10.50% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.79% | 12.79% | 13.54% | 9.75% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.58% | 12.58% | 13.29% | 9.79% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.36% | 12.36% | 13.07% | 9.63% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Dime Commercial Bank (this bank) | Risk-based | 14.76% | 14.76% | 15.77% | 10.67% | |
| Popular Bank | $15.03B | Risk-based | 14.32% | 14.32% | 15.14% | 11.80% |
| Bell Bank | $15.18B | Risk-based | 11.33% | 11.33% | 12.42% | 9.98% |
| First Financial Bank | $15.23B | Risk-based | 18.36% | 18.36% | 19.59% | 11.61% |
| Bank of America California, N.A. | $14.81B | Risk-based | 39.00% | 39.00% | 39.28% | 12.41% |
| Nicolet National Bank | $15.39B | Risk-based | 11.08% | 11.08% | 12.20% | 9.64% |
| Stifel Bank | $14.62B | Risk-based | 10.65% | 10.65% | 11.24% | 7.06% |
| Sunflower Bank, N.A. | $15.65B | Risk-based | 12.98% | 12.98% | 13.69% | 10.27% |
| ConnectOne Bank | $14.40B | Risk-based | 12.31% | 12.31% | 13.20% | 10.81% |
| Israel Discount Bank of New York | $14.39B | Risk-based | 14.38% | 14.38% | 15.27% | 11.01% |
| Safra National Bank of New York | $15.69B | Risk-based | 23.40% | 23.40% | 24.08% | 8.56% |
| Peer 25th percentile | 11.58% | 11.58% | 12.61% | 9.73% | ||
| Peer median | 13.65% | 13.65% | 14.41% | 10.54% | ||
| Peer 75th percentile | 17.37% | 17.37% | 18.51% | 11.46% | ||
| This bank's percentile | 70 | 70 | 70 | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/23504/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.