| Metric | Dime Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +5.5% | -3.7 pts |
| Deposit growth (YoY) | +3.1% | +5.1% | -1.9 pts |
| Loan growth (YoY) | +10.7% | +5.9% | +4.8 pts |
| ROA | 0.95% | 1.26% | -0.3 pts |
| ROE | 8.6% | 12.2% | -3.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $933.5M | $935.8M | $136.5M | $5.7M | 0.95% | 3.33% | 0.15% |
| Q1 2026 | $1.22B | $941.0M | $918.8M | $133.2M | $2.5M | 0.82% | 3.29% | 0.09% |
| Q4 2025 | $1.19B | $915.7M | $908.4M | $131.0M | $5.5M | 0.47% | 2.91% | 0.20% |
| Q3 2025 | $1.20B | $919.7M | $875.4M | $127.4M | $5.1M | 0.57% | 2.81% | 0.28% |
| Q2 2025 | $1.18B | $905.3M | $845.1M | $123.2M | $2.8M | 0.48% | 2.71% | 0.22% |
| Q1 2025 | $1.17B | $904.2M | $804.9M | $119.4M | $817K | 0.28% | 2.63% | 0.24% |
| Q4 2024 | $1.16B | $894.7M | $787.2M | $115.4M | $5.1M | 0.44% | 2.43% | 0.23% |
| Q3 2024 | $1.17B | $896.4M | $779.8M | $114.8M | $4.0M | 0.46% | 2.38% | 0.08% |
Loan mix (Q2 2026): real estate $830.8M · commercial $61.2M · consumer $460K · securities $180.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Dime Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.2% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 59.0% | 72th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Dime Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Dime Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Dime Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Dime Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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