# DIME COMMUNITY BANK
BROOKLYN, NY · FDIC certificate 16012 · asset band $1-10B · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.78B | |
| Deposits | $4.64B | |
| Loans and leases | $5.63B | |
| Total equity | $703.1M | |
| Loans / deposits | 120.37% (p97 of band) | 82.21% |
| Liquid assets / assets | 11.55% (p8 of band) | |
| Uninsured deposits / deposits | 43.96% (p77 of band) | 30.18% |
| Brokered deposits | 5.06% | |
| Wholesale funding | 24.60% (p94 of band) | |
| FHLB advances / assets | 17.77% | |
| Tier 1 leverage | 10.16% (p63 of band) | 9.64% |
| Unrealized securities loss / equity | 2.65% (p54 of band) | 2.31% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.71% (p21 of band) | 1.04% |
| Net interest margin | 2.99% (p23 of band) | 3.39% |
| Efficiency ratio | 56.63% (p37 of band) | |
| Noncurrent loans | 0.32% (p32 of band) | 0.52% |
| Net charge-offs (annualized) | 0.20% (p87 of band) | |
| Reserve coverage of noncurrent | 231.27% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 22.23% (p23 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 409 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 3 | liquid assets <10% |  |
| 2011-12 | 4 | reserve under noncurrent |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 5 | assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 | uninsured deposits leaving | capital falling |
| 2014-12 | 4 |  |  |
| 2015-03 | 3 |  | uninsured deposits leaving |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 3 |  | wholesale funding >15% |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | wholesale funding >15% | capital falling |
| 2017-09 | 4 | uninsured deposits leaving |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | uninsured deposits leaving |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | liquid assets <10% |
| 2019-03 | 3 | NIM <2.5% |  |
| 2019-06 | 5 | liquid assets <10%, capital falling |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 2 |  | NIM <2.5%, liquid assets <10%, capital falling |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-23 [CORRECTION -- Dime Community Bank to Rebrand as Dime Commercial Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNOTJnampDdzZWdHdLeVhkWXl2bW9lVkp3Mnl6cVpTWlA5OEF2bGJETGpwZ21CaVR5eHFlY29JcktyOFdGODlHTWw2QklHcnkzekZ3bi1QZlhsWWtqb1VIcWZ2MENxOVlBUTIwZ05GUjcxNzV6cmZ1WEVJTFZoR0d1SE9zb2xUeWJ6elRMWnVOOFplQWZJeFpXU0JMNW92T1o1RWh5SkJvbzkyTm15X09uSUc2UllHVUUyM21uV3RIQ2FfNXd5ck13SWMzX29iemx3bmdkMUNRcw?oc=5) · GlobeNewswire
- 2026-09-02 [Bank of New York Mellon Corp Takes Position in Dime Community Bancshares, Inc. $DCOM - marketbeat.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNUnBYdnpVRDg2QklLM3I0MDF2aVM4LUxwSi1EVFlXX3VVMjNWQXJ5S0I1RFpzaWVQSS0wNUdGa0xJR3ctLUFmNHQzTTJaTXBNVXFMb1p2d2c5MUUzVUVtdlJSM3lLcG5aR2FuUmtfd19GdEdianVzT3I1STZ0ZnZuNk43dW9RRExpNEVoNUdSbUd3b09pVzktbWVRSzRPcFNxYUVHc1VQYXNweUozT3p1UFliU0xBWVFPMG5sb3FpZWRMZG5yb3lZQ0ZsbWxmM0hqUU9TR184Nmxsdw?oc=5) · marketbeat.com
- 2026-05-25 [Dime Expands Williamsburg Presence with Acquisition of Former Signature Bank Space - Yahoo Finance](https://news.google.com/rss/articles/CBMisAFBVV95cUxNYXNIVzJ1X3BTZFpVaE4zZFR0bVhLQ0c1YUJ0NU95VE9hc0IzQ3JFdnVJZXh3MDNlUEpEX2ZLZGNDODNVMVpNZ0NuUFN0V296aDU5b05rMFJ3MndXU3piQ2pFelNaREltc2JFY29HUjlIU0QwODVCX2VIUWlVdWNULWppTl9lZE5CemNzTzdUTzlQUHlMcl9vNC1scTFwYXRWQy0xeUFQX0xoSHFNSjVqRg?oc=5) · Yahoo Finance
- 2026-05-27 [Dime Community Bancshares Branch Expansion Meets Valuation Gap In Brooklyn - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2025-11-21 [Dime Community Bancshares, Inc. Appoints Dan Fosina as Senior Vice President, Leading Middle Market Commercial Banking Expansion in New Jersey | DCOM Stock News - Quiver Quantitative](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOU3prZmhKYXljQmxEc3duWG1mY3YwQ1dSejhuVy0tRF9vS1hvcmNMQmdLUmV2a25YTzVxNnNpUEpPRDZkcjBzOUIxdnlDZFZSemJJUGVSeDktNmhJemFRT1V1aTUtUVVzODdzeVR3RlUxMUMwelhTSkRWX21qUWJMZk1tWHdzM001UXRLT1JGM2JpZnBueFB3QlppbWxUT245Y3NEOUFqMERoVm56Mjl5cUxpSWQyODRYWDFXTERKRFdJeG4zVUNDczdIUG9jNFVRMm1GY0FMTXlKZW54eVB4QlNZanFrV0hqd291UlViR3Q0akdKQXhOd2xxMjBVZTcwN0ZLaWNJMkM5c0U?oc=5) · Quiver Quantitative
- 2025-11-21 [Dime Community Bancshares Appoints Dan Fosina as Senior Vice President, Group Leader - citybiz](https://news.google.com/rss/articles/CBMivwFBVV95cUxPNXJ2a3JpRmFLaWZsTFozTGlpeThoRTBuaHdfSi1CVHhVT3hybS1aaTIyR1hJMHdSeUQyYkN2dmpzSlRiZ1AyZnpqanQ3NTBxZVBYdHpaQy15c085Z0JsOEgwNHNaM2xheHRVQVdTY1R2Y0w1bkJ3XzZJLWRrX0xxNkV4dkY5cmJhckwzUEpST2x1cERlZkhPakM1N3RaNEd5RVpkNjB0WXMzRzN0aWJIdGxONTdkcl9QbUxudGRtMA?oc=5) · citybiz
- 2023-08-31 [New York Jets Name Dime Community Bank Official Private Banking Partner - New York Jets](https://news.google.com/rss/articles/CBMipwFBVV95cUxQOUIydmZQbXJCTi1HYzJHM29qbHNIc18zZzFweXRjLUxKNnNJUl9uTkgxNkM1NG9SUGt2UEJLTHByZzR1UUFJTElWQXR4NUJMT3JTNWhHWVJWWl9peHJEc3RObmdhVDNRSUpzd3RPUUFwUjh5Z1h2ZWxRLW5UaUcwVENMYmtVdi1Ma0VENk9rMEJTS2Z5MGhuNnowWXpPcEZGLXY3b3FFQQ?oc=5) · New York Jets
- 2021-02-03 [Bridge Bancorp and Dime Community complete merger, BNB Bank takes Dime name - RiverheadLOCAL](https://news.google.com/rss/articles/CBMidkFVX3lxTE1qRDFFYmhHUTJGSWNLNWxfUEtXUlhCXzRXVE9pc3BrQVhUN0w2OS1tWEZvWjBLVzVtWGJqOW5UQVBVZkxmY2dveGFkRXhydXZsTFp0Zl9vYzBGZE5wVU9tbXVHWUJXVFg2VExJbnBaVUF4Zy1TQ3c?oc=5) · RiverheadLOCAL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16012 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "16012", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide