# DIME BANK
HONESDALE, PA · FDIC certificate 9888 · asset band $1-10B · 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 | $1.19B | |
| Deposits | $1.01B | |
| Loans and leases | $873.6M | |
| Total equity | $128.8M | |
| Loans / deposits | 84.89% (p45 of band) | 87.10% |
| Liquid assets / assets | 22.22% (p55 of band) | |
| Uninsured deposits / deposits | 27.51% (p40 of band) | 30.76% |
| Brokered deposits | 3.15% | |
| Wholesale funding | 6.27% (p51 of band) | |
| FHLB advances / assets | 3.12% | |
| Tier 1 leverage | 11.74% (p73 of band) | 10.50% |
| Unrealized securities loss / equity | -11.22% (p37 of band) | -7.75% |
| AOCI / equity | -0.44% (p39 of band) | |
| ROA (annualized) | 1.71% (p79 of band) | 1.26% |
| Net interest margin | 4.65% (p91 of band) | 3.70% |
| Efficiency ratio | 53.07% (p33 of band) | |
| Noncurrent loans | 1.30% (p80 of band) | 0.51% |
| Net charge-offs (annualized) | 0.17% (p83 of band) | |
| Reserve coverage of noncurrent | 124.65% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 61.15% (p63 of band) | |
| Auto loans | $16.8M (1.93% of loans; DQ 1.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 160 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 | wholesale funding >15% | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | wholesale funding >15% |
| 2013-03 | 2 | wholesale funding >15% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | wholesale funding >15% |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | charge-offs p90 |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2017-06 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | loans exceed deposits |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | loans exceed deposits |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity | reserve under noncurrent, noncurrent p90 |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | deposits shrinking, uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | reserve under noncurrent |  |
| 2025-03 | 1 | capital falling | reserve under noncurrent |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2026-09-07 [The Dime Bank celebrates employees’ graduation - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxOb0N3ZXJ0WUlWLXpMc3hPWG0zQlA0aWpkdmRrdXhMWFF4dTFTcnVqTVYwdW9va0FIMzg1TTExTWhRMW1XeFZzNlNXNmx1ejFWMkV2Mk9zVjl0LThLQVRaaWN2TXNaV2h2Q3FDc3JpNExHS0pjbTkwXzZPZkM2ZUV1eUpkTkZ2WUgyb0VVZW4wVnZrNzY0YVdR?oc=5) · Scranton Times-Tribune
- 2026-09-07 [The Dime Bank celebrates employees’ graduation - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMilAFBVV95cUxQZzlyNnhpcS1OUDZTdVBQbkJrMk1xRGU3WVRXazlNMHRzN0xRczctN1hQQ0xKTS0wZVVMNDRZU1lLbjVCa3ZneXFqNFdDbHhPV05mZF96Z3JpbTRtVE0zLXBOenE4MFpGOC1FbkxybzljZXd2cHpYOFNTSWxRcC1qelJ1bkRrSDVDTWdnNktZTE1pNGhI?oc=5) · Scranton Times-Tribune
- 2026-04-22 [Dime Bank partners with community orgs - The River Reporter](https://news.google.com/rss/articles/CBMiigFBVV95cUxNU3NuR09RTUtua0I1YXRwLWV2RGduWjU0ZndxXzhKU0ZZRlV1aE9vLXdCMzRHbTYzU0JnZlFLWTI0R3BoVkdRRXhZTEJsM2thVlhveUp0djcwNVl3eFNGRElSd3dtVjV6T0RVOXpXRW9vX2F3TENmUHJJQVZuWjY3R2NfbllfZ0VQaWc?oc=5) · The River Reporter
- 2025-08-01 [The Dime Bank employees graduate from PA Bankers Schools of Banking - scdemocratonline.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNU2RkX0tmazJNY29qVlo3YTN4MWR6dnVuTlRCT3JLaGxKQVI0TTRzT1k4MWs3Y3gzSFY1UkpRM1hYTHZXSU9Iajh0VHNRNXltSjJDcm5LRkY3LXFjazNhYkxPZ3B0cVVJLURkejFqOVlnRlY1ZVQ0dVA5VGk4cF9MTTM5LVNESm9pLWR0dkE4eWVmVGtmXzJvRmNkRzM1a2RVLXZGbGl6THE2MVhQTUN5dTdSQWl5UQ?oc=5) · scdemocratonline.com
- 2022-09-14 [Future Under 40 award winner chosen from Honesdale Dime Bank - www.pikecountycourier.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxNVXp2NDlBMGkyZTVuOUliQnE4MDlKenV3X29Kc3JRSUR2WV82SmNZWU1pVTA2ck41bV9pRS1DdWdrdUNhVzJZSFN1Ym1vWUxoaXREYzR4RlBtVlUtaDZRTFhNQWlveG1XREMyd0R1aVhjWjM4TDNDT3d3aERVUGtZcmpXUElKVGtCVklDTHdNa291ZEotUF9Kdk5DVWp0ME9OLWt3dU9qdEgyemUzNG9NcjBlV05QVE0zWGc?oc=5) · www.pikecountycourier.com
- 2019-07-26 [The Dime Bank promotes ten associates - Tri-County Independent](https://news.google.com/rss/articles/CBMivgFBVV95cUxNTjhscW5mQVMwbjFCYnB1STAyb3ViVzhYRExxOHUyX21LYXg3bVNBREt3UVlnYUdodWpDSVUybzc2dFFjWkJMa2U0bnBfMnBNNkxWUHoyemluYldCVWdrWnZSQm51N1RZUUlQUEJoOS1PTUJuUVY5MmRfR3J2d3RoU2dRSXJtU1d1ZzBNRlRpTVdOZXRLcDd5aV9yUGhwZDJuTGpBblF0TloxSGk4UDVjVWw0NEptMkZYVGNuYld3?oc=5) · Tri-County Independent
- 2023-04-06 [Bank On certifies Dime Bank account, Jeff Bank posts record profits and more - The River Reporter](https://news.google.com/rss/articles/CBMitwFBVV95cUxQVnNtTHNZV0ZBRHRxMmdXcnJKQ3ZDTDFYSWh2NlBtZ2dQeXl2UUg2REc1eGNCWi1lT3p6NE9yRVNwSUF2Nll6Y2h2cTRWMHdkSkdXUW1VRTdpNXJOYXB1a2szM0pUOC1lV3dvcHVKZzlxb2lnOTJicEloS2w4QVA4UVVUeTlLWTJmYVFYcU16YzRIeDlUU2hEQll4Y0xCYkJlWFdPUkd5UGppMnRoMExaQlFDbzF6a3c?oc=5) · The River Reporter
- 2024-06-21 [The Dime Bank celebrates employee milestones - scdemocratonline.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNbGtEZWVNd0lMUDgzUVQ1TTNLNERlTHVHU08tcXRIZE9RUXo4b3doUFFyZzRPbnRfbFlIR2hpTVlqY0Y0NnlUakxlaldfbENlWHRwaEstQjMzaEdFOS1TT2d0VlFGWmt5LS0zM3ZfU2hlYXlEa0tnci1ZN0w5T3lNQkhNeWRTZW1pOFZ5dTNlbHh3QjY2UElF?oc=5) · scdemocratonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9888 (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/32.json (key "9888", 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