| Metric | The Dime Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.9 pts |
| Deposit growth (YoY) | +6.0% | +5.1% | +1.0 pts |
| Loan growth (YoY) | +11.3% | +5.9% | +5.4 pts |
| ROA | 1.71% | 1.26% | +0.5 pts |
| ROE | 16.0% | 12.2% | +3.8 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.19B | $1.01B | $859.5M | $128.8M | $10.0M | 1.71% | 4.65% | 0.97% |
| Q1 2026 | $1.15B | $984.4M | $831.7M | $124.0M | $4.8M | 1.67% | 4.64% | 1.00% |
| Q4 2025 | $1.16B | $980.8M | $811.0M | $121.7M | $16.6M | 1.48% | 4.37% | 1.06% |
| Q3 2025 | $1.14B | $938.6M | $806.6M | $117.4M | $12.7M | 1.53% | 4.31% | 1.02% |
| Q2 2025 | $1.11B | $955.0M | $771.9M | $110.0M | $7.9M | 1.43% | 4.18% | 1.02% |
| Q1 2025 | $1.11B | $936.7M | $772.0M | $107.6M | $3.3M | 1.19% | 3.97% | 1.07% |
| Q4 2024 | $1.08B | $913.7M | $764.2M | $103.7M | $13.0M | 1.26% | 3.95% | 1.11% |
| Q3 2024 | $1.07B | $884.2M | $762.7M | $104.9M | $9.3M | 1.22% | 3.92% | 0.82% |
Loan mix (Q2 2026): real estate $744.0M · commercial $82.2M · consumer $33.3M · securities $232.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Dime Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 59.0% | 33th |
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 | The 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 | The 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 | The 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 | The 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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