# DIME BANK
NORWICH, CT · FDIC certificate 18200 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $1.21B | |
| Deposits | $933.5M | |
| Loans and leases | $944.9M | |
| Total equity | $136.5M | |
| Loans / deposits | 100.25% (p86 of band) | 87.10% |
| Liquid assets / assets | 17.43% (p35 of band) | |
| Uninsured deposits / deposits | 25.96% (p32 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.51% (p67 of band) | |
| FHLB advances / assets | 10.51% | |
| Tier 1 leverage | 11.76% (p74 of band) | 10.50% |
| Unrealized securities loss / equity | -17.67% (p24 of band) | -7.75% |
| AOCI / equity | -0.20% (p58 of band) | |
| ROA (annualized) | 0.95% (p27 of band) | 1.26% |
| Net interest margin | 3.33% (p28 of band) | 3.70% |
| Efficiency ratio | 67.02% (p73 of band) | |
| Noncurrent loans | 0.20% (p23 of band) | 0.51% |
| Net charge-offs (annualized) | 0.25% (p89 of band) | |
| Reserve coverage of noncurrent | 488.00% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 68.50% (p70 of band) | |
| Auto loans | $26,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 159 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | expense ratio p90 |  |
| 2012-06 | 4 | uninsured deposits leaving | expense ratio p90 |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | expense ratio p90 |  |
| 2013-09 | 3 |  | loans exceed deposits |
| 2013-12 | 2 |  | expense ratio p90 |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | expense ratio p90 |  |
| 2015-06 | 4 | loans exceed deposits |  |
| 2015-09 | 4 | capital falling | loans exceed deposits |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | noncurrent p90 | wholesale funding >15% |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 2 |  | noncurrent p90, charge-offs p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | wholesale funding >15% |  |
| 2018-03 | 0 |  | reserve under noncurrent, expense ratio p90, wholesale funding >15% |
| 2018-06 | 1 | expense ratio p90 |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 1 | capital falling | expense ratio p90 |
| 2021-09 | 2 | expense ratio p90 |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 3 | securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity | NIM <2.5% |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 3 | NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 5 | deposits shrinking |  |
| 2023-12 | 4 |  | deposits shrinking |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 4 | deposits shrinking |  |
| 2024-09 | 2 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | expense ratio p90, NIM <2.5% |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 | charge-offs p90 | capital falling |
| 2026-06 | 1 | loans exceed deposits | charge-offs p90 |

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

- 2026-09-08 [HELLO CONNECTICUT: Back to School with Dime Bank - wfsb.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcFBHM0xPcW15QmVkaG1BTFh2a01kX2ljMVBtSER0Z1lGcFNpUEVINktkTnpqNnBUZVpjM2syUW9nOGxZOGFIT19jdThJeUtFSXFMQXhRc0p6aEhDR1NQQnBZZXp2MldYdVc5OGd4aV9RY3FCaWZFTnZxb1V3OFFkV0tNdG5ScThHMlk0?oc=5) · wfsb.com
- 2026-01-26 [Dime Bank’s new CEO, Statoulas, charts Greater Hartford growth path - Hartford Business Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxNNWJYQnZjWFZSb25TeW1yYUh3UHJyZUNYX2s2TjdwWXc2UzJ4Vm1QLTRqTFFVLU45N1liSVhpeUdIUVc4Z3JXUzdFT1FKc21kRmU5elNsSTZSQ2I3THdEQlFuTUJtUG83QU05MHJVSll0UU1Cd05oU2tYbHgyTGlmNlJ3RjFZNW1pS1JWVzZsVlloZDRHV2dMNkQ0REMzZDdRblZWUw?oc=5) · Hartford Business Journal
- 2026-04-21 [Dime Bank adds two experienced branch managers - Norwich Bulletin](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNSjE1dHZwb0VNQnNCVHVCZDBuUHNFQ3NqaF95STFBY2k3TXljQnIxM1gxWHBXZGhwcFZzNTVQRXNwSzBnbnJKSXlaTkZzSHpOUWRfcWpRU0p0VWlJaHZkdXFEdkt1b2hVaGxpbTdoRHNWcTQyUDBqcW9BVExKSDgzd2VWcmg5aFhobHpDeTB1bl9XelhFUUdMRFhpMUlFZ1U5WEVaOUJzZnBSRTdqbzNQMVBCRUVpV0dkRElLQ1VIZDMtTllVT3FoQjRtN3BfNERXVkhxQ29ldlk?oc=5) · Norwich Bulletin
- 2025-12-12 [At Dime Bank, Times Change, Values Don’t - Hartford Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxQWXpuMkIyM1ZxVWtSeUN5S1ZzQnlsQjctRmVpTzRidTFFY0NiZ3p6T0I3WGpQLU5ld28yUXRRbkFWbUoxZFFmby1CeHFRc19FX2VETXdOTVdtOENUZVc4U0JXN3VuT05GMGQ5QTI0ckZlRkdQQWxhLWJGdjcwOGp0eA?oc=5) · Hartford Business Journal
- 2026-07-28 [Hello Connecticut: Two years with Dime Bank! - wfsb.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOV3lwaTVzWE9xQVZKakRRejRiYlI4Z205cDhFWjY3RUVSYzF6QmtRODdtZWZyRHRyR2tvOWNZM3FPTWtsYmVScUFhLVRQT0RvZ1AtWHg2eDZNSW81Qm1GUUNKR0hlUUdBdkhHYkRVRlc4aFQyQ3ZBMDctV3dyVzlmRENNZl90Q2RU?oc=5) · wfsb.com
- 2025-10-04 [The Buzz: Statoulas steps up at Dime Bank - The Day](https://news.google.com/rss/articles/CBMifEFVX3lxTE5GXzZQaHNEemJxYnFiZFlOZmt4a2NnR2hBdS1rM0FqUVo5QTY3ME85SmxRQWJhQmJwZHZUUzFJbDhqNDU2UXlldG5fbE1PSUJva1p4SHZMNG5kM2UtOV82NFpOWGZjOEFKcVJ6LXBhelRVUHYyVXdZd0dVRzk?oc=5) · The Day
- 2022-12-20 [Dime Bank Officially Opens Its 13th Connecticut Branch — In Vernon - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZHJJVGxXdEtrZHM1NkU1QjFJRkxzeUlfY3ZzaGhRbDdPUDgySVlKMGROMzlZWC1lMzNXdVprekhFUUVuTXMxMkNJMTlwQ0lnWEQ5RGRuS3Z6a1l4LU9mdTN0UmoyRE45OGVRUjNPSERHMS13YUN4eEhSa0NuM0NGeXJGR2NfYkQ5Z0VUNHNUUEpwQ3RDWnlpcTNwOUVxWnM?oc=5) · Patch
- 2025-05-26 [Dime Bank (CT) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiekFVX3lxTE9mVENLWUp6NzM1VXVaUlhrWWhKREJpb1Z3SVJQVS1BZjBMMkVtTjdTbzN3TjR1d1BDSkNUTk5UdE5OYWh2TmFxZXRvUjB2VjA1VFJRaFZneS1Kc0lINmYyMEt2Zjd3SXpSSC1PMVpmX3J2b1lGS2JLOC1n?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18200 (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/24.json (key "18200", 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