# DIME COMMERCIAL BANK
HAUPPAUGE, NY · FDIC certificate 6976 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $15.03B | |
| Deposits | $12.74B | |
| Loans and leases | $10.71B | |
| Total equity | $1.69B | |
| Loans / deposits | 83.21% (p41 of band) | 85.78% |
| Liquid assets / assets | 23.52% (p53 of band) | |
| Uninsured deposits / deposits | 49.27% (p82 of band) | 38.39% |
| Brokered deposits | 1.33% | |
| Wholesale funding | 4.30% (p27 of band) | |
| FHLB advances / assets | 2.56% | |
| Tier 1 leverage | 10.67% (p64 of band) | 10.17% |
| Unrealized securities loss / equity | -5.56% (p65 of band) | -7.43% |
| AOCI / equity | -0.01% (p79 of band) | |
| ROA (annualized) | 0.99% (p27 of band) | 1.24% |
| Net interest margin | 3.33% (p38 of band) | 3.57% |
| Efficiency ratio | 49.52% (p33 of band) | |
| Noncurrent loans | 0.64% (p49 of band) | 0.66% |
| Net charge-offs (annualized) | 0.24% (p81 of band) | |
| Reserve coverage of noncurrent | 153.08% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 4.94% (p20 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $698.1M (41% of equity) (p80 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 931 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 | uninsured deposits >50% | capital falling |
| 2014-03 | 0 |  | uninsured deposits >50% |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits >50% |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | uninsured deposits >50% |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | wholesale funding >15%, capital falling |  |
| 2016-03 | 3 | uninsured deposits >50% |  |
| 2016-06 | 1 |  | wholesale funding >15%, capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | wholesale funding >15% |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 1 |  | wholesale funding >15%, capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 | run vulnerability | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 |  | run vulnerability |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 2 | losing money, expense ratio p90 | uninsured deposits >50% |
| 2021-06 | 2 | uninsured deposits >50%, run vulnerability | losing money, expense ratio p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | assets shrinking |  |
| 2022-06 | 3 | deposits shrinking | assets shrinking |
| 2022-09 | 2 |  | deposits shrinking |
| 2022-12 | 4 | loans exceed deposits, capital falling |  |
| 2023-03 | 5 | wholesale funding >15% |  |
| 2023-06 | 3 |  | uninsured deposits >50%, run vulnerability |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 | NIM <2.5% | loans exceed deposits, wholesale funding >15% |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | NIM <2.5% |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | capital falling | run vulnerability |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 0 |  | uninsured deposits >50% |

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

- 2026-08-17 [Dime Commercial Bank Launches Affordable Housing Group - Yahoo Finance](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVVhndUxBbXV1UnM2dDFwU21ObjhSRnJPTmpudzdHT2xvRUZMWXFrQTRZVFNyZFRLQUE4U3R2QkZ5UEpoOUZld0t2ZkRYbFFCTVZLNWFaWUlrRFc1ZHdjZkViQzFzdnUyZVZaRGVxUV9uTWsteFR2aGZtTGFlc2gybTg4UkFsTnNYXzdCWnVGV3I3bWlKenpSWXV0eGF3eUlaOTVuRQ?oc=5) · Yahoo Finance
- 2026-08-17 [Dime's new housing group will invest directly in tax-credit deals - Stock Titan](https://news.google.com/rss/articles/CBMipgFBVV95cUxQdkc5bmdPRGU0OVVtNjdROVdDOG1iQXdiSVE4M20wZFV0Ty1mRjBVd0ZfRFZJR3Q0WmhjVW93UTZvbjl2NzE3eGVYOXZHNzlVNFJ2NmhaaHBrbDZtRU9PLXhBOHdISWxWWllQRlU5M2JDVmhsZkU0aGZucWFsWi1CZnM3SzZyNXVSbUNWcEc1SW1pOTAwZW4xNHR6S25MNzJCRmlWNUJB?oc=5) · Stock Titan
- 2026-06-16 [NY-based Dime Commercial Bank opens first NJ branch in Lakewood - Asbury Park Press](https://news.google.com/rss/articles/CBMivAFBVV95cUxPUnpicVpQMzdwNUpuaHY4TUlHXzA5NEYtdENpdmhpM25JVmFvUzRvY0JKT1ZReHh3dFBxSFJMUmY3RnVnamtpenAxUDZsOFQxZjRjUUhyMGZrSkg2eFNvaUltRks4TElPYUMtMHQ4WWdyeHlnNXc2SzZEM3VwOUVIWS1PWTY3YjViSUJENjdYQzc0UG45eHhBTC1HQTJENDNvRkVfZGFzN0ZrR2ROVDQ3MC1DMGktUmd3RWgxVg?oc=5) · Asbury Park Press
- 2026-07-20 [Columbia Bank names Maichin to lead New York commercial banking - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNVWI2U3hmaWpvMklWWWxzMmc5ZUFCUm1RWGhBbUlWMUNvMUJMX3ZSMmZIVGd6NDNRenI3V21KdXo0Q0hqLVcwdGdGWms3VmVBM0NMYWcxLTItaVoxekNrZXR2SVBYVkJUUmZpY2YzQUZEU2E3Y2ZXa3JkVnZBaDU5eWZjbzJ2RC1YSWF0VkpNTU9PTlkwd05seVBRanNYY1JXSWJCQVJUWGVNQQ?oc=5) · ROI-NJ
- 2026-06-01 [Dime Commercial Bank To Ring Opening Bell at New York Stock Exchange - GlobeNewswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNZ1JUdzhwaGlSTFo0QkZFMGpvUHRPNjhVVjFrby04ZW8wMlpyb2JBdUUxSU9iTkl6c18yVXd6VmZCOUctQ3JKcHhBY0dzS3JobmQ2ZF9qcWkwRjM1UW00ZHBjd2V3MllXY2NvcG53d1pka1pKY2pJek5kamt2bThCU1ZIUzZGZ3Naak9PYzZsbk5Jd3RhWmMxdWZTVGlaVXQzM0Z5eXJjOE9ZX2NIQXc2Sy00Uzh3YzJTbDVkWXdId0lvLUI3UXNBb0tfTmtFT2diUWNYZnNXWnRiMUk?oc=5) · GlobeNewswire
- 2026-02-24 [CORRECTION -- Dime Community Bank to Rebrand as Dime Commercial Bank - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2026-07-15 [Dime Commercial Bancshares to Release Earnings on July 23, 2026 - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2026-05-25 [Dime Expands Williamsburg Presence with Acquisition of Former Signature Bank Space - GlobeNewswire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQWmRtRG5fNUN1azRlbWtaRkNyaHlGWXpuU0xScXJIbkJBZnFCQXotZTBxMm1KMkpLWnE4cGpyME5yOEtoV21yckdvWFppU3hPbHF5X2w1Yl9oOGZIY0tRdWhNd1IzZTc2RnJBNmtZQXlfRTdDNExXU3V1UHRzWk9QVUFwWi1mdFlTbjB3d2hneXlvcjZXNHFzSkpEbVpKVVpFOFB2dTM0blNPeC1rX3VKa0NuU0FoZ25YdGpjSlZCU1phcF9vMjYtYVBfeUl0S0Q5VWFweUY3elpqWlpiMGhfbjF2NF9Ed0g4REtBUW9R?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6976 (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/0.json (key "6976", 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