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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 6976 · NY A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1850/4307
  • PHOTO-FINISH Citibank, National A… · SD
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-CLEAN 3.0% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Citibank, National Association, SD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Dime Community Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citibank, National A… · SD ·…81/100CS Bank · AR · near81/100Dime Community Bank · NY · t…81/100Keen Bank, National… · MN · …81/100Minnesota National B… · MN ·…81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Dime Community Bank · July 2026

What Dime Community Bank's Call Report plate shows

Dime Community Bank (FDIC Cert #6976) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,850 of 4,307. Tier 1 capital prints at 14.40%, clearing the 10% well-capitalized line. The Texas Ratio is 3.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $15.3B, 126th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citibank, National Association (SD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Dime Community Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Dime Community Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Dime Community Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

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.

0/100100/100National avg77/10081/100
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 Assets

$15.3B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13% 14.4% 15.8%
Basel III capital ratios - Dime Community Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Dime Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Dime Community Bank

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

What these ratios mean →

Profitability metrics: Dime Community Bank

Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
7.79%
Efficiency Ratio
53.42%

What these mean →

Income & expense at Dime Community Bank

$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.

FDIC Failed Bank List → View Dime Community Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Dime Community Bank nationally by total assets
  1. 1
    First Financial Bank $15.4B

    Abilene, TX · Grade A

  2. 2
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  3. 3
    Bank of America California $15.5B

    San Francisco, CA · Grade A

  4. 4
    Popular Bank $15.1B

    New York, NY · Grade B

  5. 5
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  6. 6
    Citizens Business Bank $15.6B

    Ontario, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($15.3B here), outside New York so the neighborhood is not state containment.

First Financial Bank $15.4B · TX Toyota Financial Savings Bank $15.4B · NV Bank of America California $15.5B · CA Live Oak Banking Company $15.1B · NC

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.

Dime Community Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
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%