BlastPoint's Banking Scorecard
Dime Commercial Bank
Designations: ✓ Community bank
Hauppauge, NY
64 branches across NY · NJ
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 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in NY.
- Deposits +7.7% year over year ($12.7B on the books).
- Delinquency rate 0.65%.
- Return on assets 0.99%.
- Efficiency ratio 49.52% vs a 53.67% peer average.
- Loan-to-deposit ratio 83.21% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Dime Commercial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.15% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Net Interest Margin 0.59% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.0B
+5.9% YoY
+0.3% QoQ
|
-$28.6B |
$43.6B
-13.8% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$10.6B
-1.8% YoY
+0.5% QoQ
|
-$17.4B |
$28.0B
-8.6% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$12.7B
+7.7% YoY
+0.6% QoQ
|
-$22.7B |
$35.4B
-14.0% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
0.99%
+18.6% YoY
+1.6% QoQ
|
-0.40% |
1.39%
+25.9% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.33%
+9.6% YoY
+1.3% QoQ
|
-0.59% |
3.92%
+8.9% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
49.52%
-12.0% YoY
-0.5% QoQ
|
-4.15% |
53.67%
-1.9% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.65%
+31.2% YoY
-28.3% QoQ
|
-0.37% |
1.01%
-2.8% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
83.21%
-8.8% YoY
-0.1% QoQ
|
+0.60% |
82.61%
+3.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
31.83%
+5.6% YoY
+2.5% QoQ
|
+11.25% |
20.58%
+4.9% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.46%
+21.7% YoY
-28.1% QoQ
|
-0.27% |
0.73%
+5.8% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
14.76%
+4.3% YoY
+0.9% QoQ
|
-0.59% |
15.35%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.15%
+1.8% YoY
+98.1% QoQ
|
-0.35% |
0.50%
+10.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
17% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.8%
+1.7pp YoY +0.8pp QoQ |
+10.8pp | 21.0% | 22.1% | 22.2% | 82% |
| Brokered Deposits |
1.6%
-0.1pp YoY -0.1pp QoQ |
-7.6pp | 9.2% | 8.0% | 8.5% | 21% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.6%
+3.5pp YoY +1.8pp QoQ |
-5.6pp | 17.2% | 11.0% | 12.5% | 33% |
| CRE |
71.9%
-7.2pp YoY -2.6pp QoQ |
+29.8pp | 42.0% | 46.2% | 41.4% | 96% |
| 1-4 Family |
10.2%
+0.9pp YoY +0.2pp QoQ |
-13.0pp | 23.1% | 36.6% | 31.3% | 16% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-12.9pp | 12.9% | 5.1% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.8%
+0.6pp YoY +0.1pp QoQ |
-0.5pp | 15.3% | 26.1% | 19.7% | 75% |
| Leverage Ratio |
10.7%
-0.1pp YoY +0.2pp QoQ |
+0.3pp | 10.4% | 13.9% | 12.6% | 64% |
| Total Capital Ratio |
15.8%
+0.7pp YoY +0.2pp QoQ |
-0.7pp | 16.5% | 27.2% | 20.8% | 72% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
931
+12 (+1.3%) YoY +38 (+4.3%) QoQ |
-2,327 | 3,258 | 914 | 482 | 20% |
| Assets per Employee ($) |
$16.1M
+4.5% YoY -3.8% QoQ |
-$10.9M | $27.0M | $14.8M | $8.8M | 65% |
| Branch Count |
64
+1 (+1.6%) YoY +1 (+1.6%) QoQ |
-74 | 137 | 27 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.4% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.2pp YoY -0.3pp QoQ |
-0.1pp | 0.7% | 1.3% | 1.0% | 51% |
| Allowance Coverage |
1.53x
-12.6% YoY +44.7% QoQ |
-1.28x | 2.81x | 1.92x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
0.3%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.4% | 0.1% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
+1.5pp YoY 0.0pp QoQ |
-3.7pp | 12.6% | 7.9% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 2.0% | 1.8% | 1.7% | 30% |
| Net Income ($, YTD) |
$74.7M
+26.3% YoY — QoQ |
-$222.2M | $296.8M | $111.2M | $40.4M | 18% |
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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.