BlastPoint's Banking Scorecard
Dime Commercial Bank
Designations: ✓ Community bank
Hauppauge, NY
65 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 4.22% 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
|
-$32.0B |
$47.0B
-1.9% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$10.6B
-2.1% YoY
-1.1% QoQ
|
-$18.8B |
$29.4B
-0.4% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$12.7B
+8.3% YoY
-2.2% QoQ
|
-$25.8B |
$38.4B
-1.6% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
0.97%
+35.8% YoY
+12.0% QoQ
|
-0.31% |
1.28%
+18.7% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.29%
+10.4% YoY
+4.5% QoQ
|
-0.48% |
3.77%
+5.8% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
49.79%
-17.2% YoY
-6.8% QoQ
|
-4.22% |
54.01%
-3.7% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.90%
+67.5% YoY
+83.8% QoQ
|
-0.12% |
1.02%
-3.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
83.29%
-9.7% YoY
+1.2% QoQ
|
+2.50% |
80.79%
+1.9% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
31.06%
+6.5% YoY
-1.2% QoQ
|
+11.02% |
20.04%
+0.2% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.63%
+54.0% YoY
+86.0% QoQ
|
-0.09% |
0.72%
+4.2% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
14.62%
+4.5% YoY
+1.5% QoQ
|
-0.89% |
15.51%
-0.4% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.08%
+11.4% YoY
-73.9% QoQ
|
-0.15% |
0.22%
+0.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
20% |
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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.