BlastPoint's Banking Scorecard
Dime Commercial Bank
Designations: ✓ Community bank
Hauppauge, NY
64 branches across NY · NJ
Dime Commercial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.11% below tier average
- + Delinquency Rate 0.12% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Interest Margin 0.48% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.0B
+6.4% YoY
-2.2% QoQ
|
-$32.4B |
$47.4B
-2.0% YoY
|
$19.3B
+16.2% YoY
|
$6.2B
+9.0% YoY
|
21% |
| Total Loans ? |
$10.6B
-2.1% YoY
-1.1% QoQ
|
-$19.1B |
$29.6B
-0.4% YoY
|
$8.1B
+13.6% YoY
|
$3.2B
+10.7% YoY
|
24% |
| Total Deposits ? |
$12.7B
+8.3% YoY
-2.2% QoQ
|
-$26.1B |
$38.7B
-1.6% YoY
|
$15.1B
+14.9% YoY
|
$4.8B
+8.0% YoY
|
22% |
| Return on Assets ? |
0.97%
+35.8% YoY
+12.0% QoQ
|
-0.31% |
1.28%
+19.3% YoY
|
0.86%
+11.9% YoY
|
1.24%
+13.1% YoY
|
29% |
| Net Interest Margin ? |
3.29%
+10.4% YoY
+4.5% QoQ
|
-0.48% |
3.77%
+5.6% YoY
|
3.45%
+6.7% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
49.79%
-17.2% YoY
-6.8% QoQ
|
-4.11% |
53.90%
-4.0% YoY
|
69.17%
-2.9% YoY
|
66.84%
-3.8% YoY
|
70% |
| Delinquency Rate ? |
0.90%
+67.5% YoY
+83.8% QoQ
|
-0.12% |
1.02%
-4.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
83.29%
-9.7% YoY
+1.2% QoQ
|
+2.41% |
80.88%
+2.0% YoY
|
77.98%
+0.6% YoY
|
76.69%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
31.06%
+6.5% YoY
-1.2% QoQ
|
+11.23% |
19.82%
+0.3% YoY
|
21.94%
+0.9% YoY
|
22.01%
-1.1% YoY
|
Top 14.8% in tier |
| Nonperforming Asset Ratio ? |
0.63%
+54.0% YoY
+86.0% QoQ
|
-0.09% |
0.73%
+4.0% YoY
|
0.73%
+4.7% YoY
|
0.66%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
14.62%
+4.5% YoY
+1.5% QoQ
|
-0.94% |
15.56%
-0.1% YoY
|
24.83%
+10.3% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.08%
+11.4% YoY
-73.9% QoQ
|
-0.15% |
0.23%
+0.9% YoY
|
0.21%
+8.5% YoY
|
0.32%
+4.0% YoY
|
19% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.