BlastPoint's Banking Scorecard

Dime Bank

$1B-$10B Specialty: Commercial CT FDIC cert 18200

Designations: ✓ Community bank ✓ Mutual

Norwich, CT

14 branches across CT · RI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
Deposits +3.1% year over year ($933.5M on the books).
Delinquency rate 0.20%.
Return on assets 0.95%.
Efficiency ratio 67.02% vs a 59.73% peer average.
Loan-to-deposit ratio 100.25% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 15 in CT

View $1B-$10B leaderboard (CT) →

Dime Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 45.7% in tier
+ Non-Interest-Bearing Deposit Share 14.59% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 46.3% in tier
- ROA 0.44% below tier average
- Net Interest Margin 0.54% below tier average
- Efficiency Ratio 7.30% above tier average

Get updates when Dime Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$1.2B +1.7% YoY -1.3% QoQ	-$1.6B	$2.8B -0.6% YoY	$4.8B +5.5% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$935.8M +10.7% YoY +1.9% QoQ	-$1.0B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	28%
Total Deposits ?	$933.5M +3.1% YoY -0.8% QoQ	-$1.4B	$2.3B -0.5% YoY	$3.9B +6.2% YoY	$4.9B +7.3% YoY	Bottom 10.8% in tier
Return on Assets ?	0.95% +99.0% YoY +16.1% QoQ	-0.44%	1.39% +17.0% YoY	1.11% +57.7% YoY	1.30% +12.1% YoY	26%
Net Interest Margin ?	3.33% +23.0% YoY +1.3% QoQ	-0.54%	3.87% +6.2% YoY	3.44% +11.6% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	67.02% -16.6% YoY +4.2% QoQ	+7.30%	59.73% -12.6% YoY	72.27% -70.9% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	0.20% -36.1% YoY +76.1% QoQ	-0.67%	0.87% +11.7% YoY	0.70% -4.9% YoY	0.98% +16.3% YoY	78%
Loan-to-Deposit Ratio ?	100.25% +7.4% YoY +2.7% QoQ	+15.21%	85.04% -0.1% YoY	91.71% +1.4% YoY	79.03% +2.3% YoY	Bottom 13.6% in tier
Non-Interest-Bearing Deposit Share ?	35.86% -0.8% YoY -2.1% QoQ	+14.59%	21.27% -1.5% YoY	22.06% +1.6% YoY	21.98% -0.6% YoY	Top 7.6% in tier
Nonperforming Asset Ratio ?	0.15% -30.4% YoY +81.6% QoQ	-0.52%	0.67% +11.7% YoY	0.53% -3.6% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	15.18% +0.2% YoY +1.8% QoQ	+0.34%	14.84% -0.4% YoY	14.05% -0.0% YoY	17.09% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.22% +0.8% YoY +101.0% QoQ	-0.31%	0.53% +2.5% YoY	0.35% +5.1% YoY	0.66% +5.2% YoY	35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Noninterest-Bearing	35.9% -0.3pp YoY -0.8pp QoQ	+14.5pp	21.4%	22.1%	22.2%	92%
Brokered Deposits	n/a	n/a	9.5%	8.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
C&I	6.5% -1.4pp YoY -0.3pp QoQ	-7.5pp	14.0%	11.4%	12.5%	26%
CRE	51.1% +4.9pp YoY -0.3pp QoQ	+1.0pp	50.0%	42.4%	41.4%	55%
1-4 Family	37.6% -3.9pp YoY +0.1pp QoQ	+11.2pp	26.4%	42.2%	31.3%	79%
Consumer	0.0% -0.1pp YoY 0.0pp QoQ	-4.7pp	4.7%	4.1%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
CET1 Ratio	15.2% 0.0pp YoY +0.3pp QoQ	-0.4pp	15.6%	15.0%	19.7%	71%
Leverage Ratio	11.8% +0.4pp YoY +0.2pp QoQ	+0.4pp	11.3%	12.7%	12.6%	74%
Total Capital Ratio	16.1% +0.1pp YoY +0.3pp QoQ	-0.6pp	16.7%	16.0%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Full-Time Employees	159 -4 (-2.5%) YoY +2 (+1.3%) QoQ	-155	313	342	482	26%
Assets per Employee ($)	$7.6M +4.3% YoY -2.5% QoQ	-$2.9M	$10.5M	$9.9M	$8.8M	32%
Branch Count	14 0 YoY 0 QoQ	-6	20	19	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY +0.1pp QoQ	-0.6pp	0.8%	0.7%	1.0%	21%
Allowance Coverage	4.88x +54.8% YoY -42.0% QoQ	-13.83x	18.71x	4.87x	20.23x	78%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY -0.3pp QoQ	+0.1pp	0.3%	0.1%	0.2%	87%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
ROE	8.6% +3.9pp YoY +1.1pp QoQ	-4.0pp	12.6%	8.2%	11.6%	23%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.7%	1.7%	27%
Net Income ($, YTD)	$5.7M +104.7% YoY — QoQ	-$13.5M	$19.2M	$28.0M	$40.4M	16%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#102 of 221 • Top 45.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.20%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk

#76 of 162 • Bottom 46.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.95%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 35.86%

Peer Median: 21.27%

#68 of 885 Top 7.6% in $1B-$10B

194

Delinquency Rate

credit_quality

Value: 0.20%

Peer Median: 0.87%

#194 of 882 Top 21.9% in $1B-$10B

197

Nonperforming Asset Ratio

credit_quality

Value: 0.15%

Peer Median: 0.67%

#197 of 885 Top 22.1% in $1B-$10B

222

Tier 1 Capital Ratio

capital

Value: 15.18%

Peer Median: 14.84%

#222 of 885 Top 25.0% in $1B-$10B

Top Weaknesses (3 metrics)

790

Total Deposits

size

Value: $933.48M

Peer Median: $2.32B

#790 of 885 Bottom 10.8% in $1B-$10B

766

Loan-to-Deposit Ratio

liquidity

Value: 100.25%

Peer Median: 85.04%

#766 of 885 Bottom 13.6% in $1B-$10B

733

Total Assets

size

Value: $1.21B

Peer Median: $2.79B

#733 of 885 Bottom 17.3% in $1B-$10B