Dime Commercial Bank
Hauppauge, New York, Suffolk County
$15.0B in total assets, the 132nd largest of 4,309 US banks and 16th of 126 headquartered in New York.
- FDIC certificate
- 6976
- Established
- 1909
- Owned by
- Dime Commercial Bancshares Inc
- Primary regulator
- FED
- Website
- www.dime.com
At a glance
Compared with 15 banks headquartered in New York with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $15.0B | 27% | $17.4B | |
| Loans | $10.7B | 33% | $11.9B | |
| Deposits | $12.7B | 33% | $13.9B | |
| Return on assets | 0.95% | 44% | 0.96% | |
| Net interest margin | 3.33% | 78% | 2.51% | |
| Efficiency ratio | 49.5% | 2% | 63.7% | |
| Equity to assets | 11.27% | 67% | 9.55% | |
| Loans to deposits | 84% | 43% | 86% |
Growth
Total assets grew 3.5% a year over the last 5 years and 14.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2021 | Dime Community Bank Brooklyn, NY | $6.8B |
| Jun 2015 | Community National Bank Great Neck, NY | $951M |
| Feb 2014 | First National Bank of New York Merrick, NY | $231M |
| May 2011 | Hamptons State Bank Southampton, NY | $68M |
Where they operate
64 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Suffolk County, NY | $6.4B | 9.9% | 3 of 22 |
| Nassau County, NY | $2.0B | 2.0% | 11 of 33 |
| Kings County, NY | $1.5B | 2.2% | 10 of 41 |
| Queens County, NY | $1.1B | 1.3% | 13 of 52 |
| Richmond County, NY | $1.0B | 5.2% | 7 of 16 |
| New York County, NY | $570M | 0.0% | 43 of 83 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 24 branches since 2016 (40 to 64, +60.0%). 13 opened, 28 acquired, 17 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 40 | |||
| 2017 | Opened 4 in New York | 4 | 0 | +4 | 44 |
| 2018 | Opened MelvilleClosed 6 in New York | 1 | 6 | −5 | 39 |
| 2019 | Opened New York | 1 | 0 | +1 | 40 |
| 2020 | Closed East Hampton | 0 | 1 | −1 | 39 |
| 2021 | Acquired Dime Community BankOpened New York, closed 7 in New York | 29 | 7 | +22 | 61 |
| 2022 | Closed Brooklyn | 0 | 1 | −1 | 60 |
| 2023 | Opened Staten Island | 1 | 0 | +1 | 61 |
| 2024 | Opened Brooklyn and White Plains | 2 | 0 | +2 | 63 |
| 2025 | Opened Lakewood and New YorkClosed Brooklyn | 2 | 1 | +1 | 64 |
| 2026 through Q2 | Opened Locust ValleyClosed New York | 1 | 1 | 0 | 64 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 41% | 16% | |
| Multifamily | 29% | 12% | |
| Business (C&I) | 11% | 29% | |
| 1-4 family residential | 10% | 7% | |
| Construction and land | 1% | 4% | |
| Consumer | 0% | 3% | |
| Other | 7% | 28% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 75% | |
| Noninterest-bearing | 32% | 11% | |
| Time deposits | 8% | 14% |
Brokered deposits are 1.6% of deposits (peers 6.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.64% | 0.54% |
| Net charge-offs, annualized | 0.34% | 0.09% |
| Reserves to loans | 0.98% | 0.80% |
| Leverage ratio | 10.67% | 9.70% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New York
Largest competitors in Suffolk County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/dime-commercial