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

884 banks in the $1B-$10B peer group nationally 14 in CT

Dime Bank has 2 strengths but faces 3 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

+ Non-Interest-Bearing Deposit Share 15.35% above tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- ROA 0.55% below tier average
- Net Interest Margin 0.53% below tier average
- Efficiency Ratio 3.24% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$1.2B +4.1% YoY +2.2% QoQ	-$1.6B	$2.8B -0.1% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$918.8M +14.2% YoY +1.1% QoQ	-$1.0B	$2.0B +0.6% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$941.0M +4.1% YoY +2.8% QoQ	-$1.4B	$2.3B -0.3% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	Bottom 10.6% in tier
Return on Assets ?	0.82% +191.5% YoY +74.9% QoQ	-0.55%	1.37% +19.6% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	3.29% +25.3% YoY +13.1% QoQ	-0.53%	3.82% +6.9% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	64.30% -19.2% YoY -15.8% QoQ	+3.24%	61.06% -4.6% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	0.11% -67.3% YoY -57.7% QoQ	-0.78%	0.89% +14.1% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	Top 12.8% in tier
Loan-to-Deposit Ratio ?	97.64% +9.7% YoY -1.6% QoQ	+13.44%	84.20% +0.3% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	36.64% +2.6% YoY -2.4% QoQ	+15.35%	21.29% -2.5% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	Top 6.9% in tier
Nonperforming Asset Ratio ?	0.09% -64.2% YoY -58.1% QoQ	-0.59%	0.67% +15.6% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	Top 12.2% in tier
Tier 1 Capital Ratio ?	14.92% -3.8% YoY -1.1% QoQ	-0.24%	15.16% +2.0% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.11% -1.2% YoY -76.9% QoQ	-0.15%	0.26% +1.6% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	36%

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$250B+

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 36.64%

Peer Median: 21.29%

#62 of 884 Top 6.9% in $1B-$10B

109

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.67%

#109 of 884 Top 12.2% in $1B-$10B

114

Delinquency Rate

credit_quality

Value: 0.11%

Peer Median: 0.89%

#114 of 880 Top 12.8% in $1B-$10B

Top Weaknesses (4 metrics)

791

Total Deposits

size

Value: $940.96M

Peer Median: $2.34B

#791 of 884 Bottom 10.6% in $1B-$10B

725

Total Assets

size

Value: $1.22B

Peer Median: $2.82B

#725 of 884 Bottom 18.1% in $1B-$10B

724

Loan-to-Deposit Ratio

liquidity

Value: 97.64%

Peer Median: 84.20%

#724 of 884 Bottom 18.2% in $1B-$10B

698

Return on Assets

profitability

Value: 0.82%

Peer Median: 1.37%

#698 of 884 Bottom 21.2% in $1B-$10B