Total Assets
$15.3B
Total balance-sheet footings
FDIC Cert #6976 · Hauppauge, New York · Est. 1909
Dime Community Bank - FDIC Bank Health Profile
A community-scale look at Dime Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $15.3B
- Total assets
- A
- Health grade · Excellent
- 0.87%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
Dime Community Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 14.40% Tier 1, 0.87% ROA, efficient (53% cost ratio).
- #126
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 14.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Dime Community Bank's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Dime Community Bank's composite health score
Tier 1 Capital Ratio (14.40%) 35/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (3.00%) 20/20
Efficiency Ratio (53.42%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$12.9B
Customer-funded liabilities
Net Loans
$10.7B
Outstanding loan book
Net Income
$126M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Dime Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dime Community Bank's score of 81/100 falls in the highlighted band.
Dime Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Dime Community Bank's $15.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.40%
Texas Ratio
3.00%
Equity Capital
$1.6B
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
7.79%
Efficiency Ratio
53.42%
What the numbers say about Dime Community Bank
Dime Community Bank is an FDIC-insured institution (Certificate #6976) headquartered in Hauppauge, New York, established in 1909. It holds $15.3B in total assets - 126th of 4,313 FDIC-insured banks, $12.9B in customer deposits, and $10.7B in net loans. Its capital position: a Tier 1 ratio of 14.40%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Dime Community Bank sits in the top decile of all FDIC-insured institutions by asset size (126th of 4,313), and within New York it ranks 13th of 120 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Popular Bank, at $15.1B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$685M
Interest Income
$44M
Non-Interest Income
$252M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Dime Community Bank reports a Texas Ratio of 3.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
National size peers: banks closest to Dime Community Bank by assets
Measured strictly by total assets rather than geography, Dime Community Bank's closest national peers include First Financial Bank, Toyota Financial Savings Bank, Bank of America California, Popular Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within New York. Averaged across this asset-matched cohort, return on assets runs 0.88% (Dime Community Bank is below that at 0.87%), the efficiency ratio averages 55.40% (Dime Community Bank runs leaner at 53.42%), and Tier 1 capital averages 18.45% (Dime Community Bank holds less at 14.40%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $15.3B in assets, Dime Community Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Dime Community Bank (this bank) | NY | $15.3B | 0.87% | 53.42% | 14.40% |
| First Financial Bank | TX | $15.4B | 1.64% | 45.67% | 18.18% |
| Toyota Financial Savings Bank | NV | $15.4B | 0.30% | 73.28% | 15.74% |
| Bank of America California, National Association | CA | $15.5B | 0.54% | 52.30% | 36.85% |
| Popular Bank | NY | $15.1B | 0.60% | 62.61% | 13.79% |
| Live Oak Banking Company | NC | $15.1B | 0.82% | 56.12% | 10.46% |
| Citizens Business Bank, National Association | CA | $15.6B | 1.39% | 42.42% | 15.66% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dime Community Bank (FDIC Cert #6976) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Dime Community Bank's health grade?▼
Dime Community Bank receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Dime Community Bank?▼
Dime Community Bank holds $15.3B in total assets and $12.9B in deposits, ranking 126th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hauppauge, New York.
Is my money safe at Dime Community Bank?▼
Yes, deposits at Dime Community Bank (Certificate #6976) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Dime Community Bank's Tier 1 Capital Ratio?▼
Dime Community Bank has a Tier 1 Capital Ratio of 14.40%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Dime Community Bank?▼
Dime Community Bank has a Texas Ratio of 3.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Dime Community Bank?▼
Dime Community Bank has an Efficiency Ratio of 53.42%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Dime Community Bank's profile as a depositor or analyst.
- Dime Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Dime Community Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.