Dime Commercial Bank
Dime Commercial Bank reported total assets of $15.0 bn at Q2 2026, up 5.9% on a year earlier, the 127th largest of 497 banks in our US coverage. The CET1 capital ratio at Dime Commercial Bank was 14.76%, and the uninsured share of Dime Commercial Bank was 49.27%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Dime Commercial Bank climbed from 211th to 133rd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , Dime Commercial Bank has taken over one institution; the latest was Dime Community Bank on (FDIC Call Reports).
What sets Dime Commercial Bank apart
How large is Dime Commercial Bank?
The balance sheet of Dime Commercial Bank at : assets $15.0 bn, deposits $12.7 bn, net loans $10.6 bn (loans equal to 83.21% of deposits). Securities make up 10.7% of total assets at Dime Commercial Bank. Since , when Dime Commercial Bank held $3.9 bn, its assets grew 284.2%. In the year to , deposits at Dime Commercial Bank rose 7.7% while its total assets rose 5.9%. At , Dime Commercial Bank employed 931 full-time equivalent staff across 64 offices, about $16.1 mn of assets per employee and $199.1 mn of deposits per office.
How much funding at Dime Commercial Bank is uninsured?
At Dime Commercial Bank, uninsured deposits (above the FDIC limit) made up 49.27% of domestic deposits at (-2.59 pp on a year earlier); Dime Commercial Bank ranks 90th of 500 on this measure. In dollars, Dime Commercial Bank estimated $6.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $12.7 bn | +7.7% | 126th of 499 |
| Net loans and leases | $10.6 bn | -1.8% | 122nd of 500 |
| Loan-to-deposit ratio | 83.21% | -8.01 pp | 300th of 500 |
| Tier 1 leverage ratio | 10.67% | -0.14 pp | 210th of 500 |
| Total risk-based capital ratio | 15.77% | +0.71 pp | 129th of 448 |
| Net interest margin | 3.33% | +0.29 pp | 337th of 500 |
| Return on assets (ROA) | 0.99% | +0.16 pp | 389th of 500 |
| Efficiency ratio | 49.52% | -6.74 pp | 133rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $65.4 mn | Narrowed by $3.3 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $26.1 mn | Narrowed by $4.4 mn | |
| Noncurrent loans to total loans | 0.64% | +0.15 pp | 266th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.34% | +0.11 pp | 408th of 500 (1 = lowest) |
US rank of Dime Commercial Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Dime Commercial Bank: assets, deposits and loans
- Total assets $15.0bn
- Deposits $12.7bn
- Net loans $10.6bn
Capital and securities
The CET1 ratio of Dime Commercial Bank stood at 14.76% in , +0.61 pp year on year. Low and high at Dime Commercial Bank since : 11.63% () to 14.76% (). Equity capital of Dime Commercial Bank at : $1.7 bn, or 11.3% of total assets. Dime Commercial Bank also reported a total capital ratio of 15.77% for , and a tier 1 leverage ratio of 10.67%.
On held-to-maturity securities, Dime Commercial Bank carried an unrealized loss of $65.4 mn at , equal to 3.9% of equity capital. The loss narrowed by $3.3 mn over the year. Its deepest point: $104.3 mn in . The available-for-sale portfolio of Dime Commercial Bank showed an unrealized loss of $26.1 mn at ; the loss narrowed by $4.4 mn over the year.
Dime Commercial Bank: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
Dime Commercial Bank: unrealized securities gains and losses
- Available for sale -$26mn
- Held to maturity -$65mn
Profitability and loan quality
For the year to , Dime Commercial Bank earned a return on equity of 8.95%; return on assets: 0.99%. Net interest margin at Dime Commercial Bank: 3.33%, +0.29 pp in a year. Dime Commercial Bank net income: $74.7 mn, up 26.3% year on year. The efficiency ratio of Dime Commercial Bank was 49.52%: about 50 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.64% of total loans at Dime Commercial Bank; net charge-offs: 0.34% of average loans. Gross loans and leases at Dime Commercial Bank: $10.7 bn, down 1.6% in a year.
Dime Commercial Bank: profitability
- Return on equity 8.9%
- Net interest margin 3.3%
- Return on assets 1.0%
Peer group of Dime Commercial Bank
The peer group of Dime Commercial Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Dime Commercial Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in New York. Against them, Dime Commercial Bank shows CET1 ratio 14.76% against a peer median of 12.82%, return on equity 8.95% against a peer median of 8.80% and uninsured deposit share 49.27% against a peer median of 28.25%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Nicolet National Bank | National bank | WI | $15.4 bn | 11.08% | 8.08% | 33.24% | |
| First Financial Bank | State member bank | TX | $15.2 bn | 18.36% | 15.35% | 44.70% | |
| Bell Bank | State nonmember bank | ND | $15.2 bn | 11.33% | 9.53% | 25.29% | |
| Dime Commercial Bank | State member bank | NY | $15.0 bn | 14.76% | 8.95% | 49.27% | |
| Popular Bank | State member bank | NY | $15.0 bn | 14.32% | 6.92% | 31.20% | |
| Bank of America California | National bank | CA | $14.8 bn | 39.00% | 6.06% | 6.16% | |
| Stifel Bank | State member bank | MO | $14.6 bn | 10.65% | 21.10% | 12.49% | |
. FDIC Call Reports.
Last eight quarters
Two years at Dime Commercial Bank, to : assets +9.5%, deposits +11.2%, equity +12.9%. Staff 899 to 931; offices 63 to 64.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $13.7 bn | $14.3 bn | $14.1 bn | $14.2 bn | $14.5 bn | $15.3 bn | $15.0 bn | $15.0 bn |
| Total deposits | $11.5 bn | $11.8 bn | $11.7 bn | $11.8 bn | $12.2 bn | $12.9 bn | $12.7 bn | $12.7 bn |
| Bank equity capital | $1.5 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.7 bn | $1.7 bn |
| CET1 ratio | 13.58% | 13.94% | 14.00% | 14.15% | 14.48% | 14.40% | 14.62% | 14.76% |
| Return on equity (ROE) | 5.25% | 2.61% | 6.41% | 7.40% | 7.47% | 7.79% | 8.90% | 8.95% |
| Uninsured share of domestic deposits | 48.20% | 49.35% | 50.88% | 51.86% | 51.11% | 52.19% | 51.63% | 49.27% |
| Full-time equivalent employees | 899 | 887 | 902 | 919 | 912 | 902 | 893 | 931 |
| Number of offices | 63 | 63 | 63 | 63 | 63 | 64 | 63 | 64 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Dime Commercial Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Dime Community Bank (FDIC certificate 16012).
Large one-quarter moves at Dime Commercial Bank
- Total assets at Dime Commercial Bank changed by +102.2% in the quarter to 2021-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Dime Community Bank.
Questions and identifiers
What were the total assets of Dime Commercial Bank?
Dime Commercial Bank reported $15.0 bn at in its Call Report. That makes Dime Commercial Bank the 127th largest of 497 banks in our US coverage.
Is Dime Commercial Bank the same as its holding company?
No. This page covers Dime Commercial Bank, FDIC certificate 6976; DIME COMMERCIAL BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Dime Commercial Bank profitable?
Dime Commercial Bank reported net income of $74.7 mn for the year to ; annualized return on equity: 8.95%. So yes: Dime Commercial Bank made a profit over these months.
When is data for Dime Commercial Bank next updated?
Figures from Dime Commercial Bank for are due after .
Where can I check the figures for Dime Commercial Bank?
In the FDIC BankFind Suite record for certificate 6976, and in the Call Reports of Dime Commercial Bank (RSSD ID 23504) at the FFIEC Central Data Repository.