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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Dime Commercial Bank

Hauppauge, New York · $15.03B in assets · beside the 11 other New York banks over $10B

The filing

55.8%
CRE / loans
12th of 12
49.7%
Efficiency
1st of 8
-1.6%
Loans, year over year
11th of 12, largest first

Dime Commercial Bank is the ninth largest of the 12 New York banks nearest its size over $10B, with $15.03B in assets at 30 June 2026. Loans are 84.0% of deposits, 6th of 12 against a median of 84.8%, and equity is 11.3% of assets, 4th of 8. Loans grew -1.6% in the year, 11th of 12, and deposits grew 7.7%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.64% of the book, 8th of 12 against a median of 0.53%; 1.03% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.34% of loans, the highest in the cohort. Commercial real estate is 55.8% of loans, the highest in the cohort against a median of 30.7%, and 355% of capital, above the 300% screen, with construction at 5% against the 100% screen.

Return on assets is 1.00%, 3rd of 8 against a median of 0.98%, on an efficiency ratio of 49.7%, the lowest in the cohort. Five years ago it was 0.55%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 15.4% of loans).

Commercial real estate, share of loansNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 30.7% SB State Bank of India 0.0% Bo Bank of Baroda 0.0% Bo Bank of China 10.8% CB Community Bank National Association 25.2% DB Deutsche Bank Trust Co. Americas 25.5% SN Safra National Bank of New York 30.4% NB NBT Bank National Association 31.1% BH Bank Hapoalim Bank M 34.7% ID Israel Discount Bank of NY 41.5% PB Popular Bank 47.9% AB Apple Bank 49.4% DC Dime Commercial Bank 55.8%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% SN Safra National Bank of New York +24.8% BH Bank Hapoalim Bank M +16.4% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% ID Israel Discount Bank of NY +3.9% PB Popular Bank +3.4% NB NBT Bank National Association +2.1% SB State Bank of India -1.4% DC Dime Commercial Bank -1.6% DB Deutsche Bank Trust Co. Americas -3.7%

SBA 7(a), FY2008 to FY2026

Dime Commercial Bank is the 10th largest 7(a) lender into New York of 402, with $507M across 575 loans, 2.6% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 23 of its 35 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Suffolk, NY$170M1st of 1749.4%-10.0 pts
Nassau, NY$139M1st of 1718.2%-11.9 pts
New York, NY$79M8th of 2082.8%-2.4 pts
Queens, NY$59M6th of 1553.1%-4.8 pts
Kings, NY$44M14th of 1691.7%-2.5 pts
Middlesex, NJ$12M38th of 1500.9%-0.2 pts
Morris, NJ$11M23rd of 1261.3%quiet FY2021
Camden, NJ$9M23rd of 1261.0%+1.2 pts
Westchester, NY$8M32nd of 1520.8%-2.5 pts
Essex, NJ$5M43rd of 1380.6%thin
Bergen, NJ$5M68th of 1610.3%quiet FY2020
Ocean, NJ$4M47th of 1190.5%thin
Sussex, NJ$4M11th of 652.4%quiet FY2019
22 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade98$100M17.1%0.16%110th of 2,589
Accommodation & food services110$93M15.8%0.12%148th of 2,596
Wholesale trade79$87M14.8%0.34%57th of 1,651
Professional & technical services61$52M8.9%0.16%87th of 1,955
Manufacturing50$49M8.3%0.12%147th of 2,246
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Dime Commercial Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Dime Commercial BankRankCohort median
Total CRE against capital, the 300% screen355%7th of 8239%
Construction against capital, the 100% screen5%4th of 815%
Construction and land development, share of loans0.8%5th of 122.2%
Non-owner-occupied nonfarm nonresidential, share of loans25.9%8th of 818.5%
Total CRE, the guidance definition, share of loans55.8%12th of 1230.7%
CRE growth over 36 months, the third prong-23.1%2nd of 10+18.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Safra National Bank of New York$15.69B1.0%61.7%0.00%0.00%0.8%26.4%8.6%
Dime Commercial Bank$15.03B1.0%49.7%0.64%0.34%1.0%84.0%11.3%
Popular Bank$15.03B1.0%55.2%0.39%0.06%0.8%98.7%14.4%
Israel Discount Bank of NY$14.39B0.8%67.1%1.18%0.16%0.9%80.9%10.2%
Bank Hapoalim Bank M$11.04Bno recordno record1.92%no recordno record104.9%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Dime Commercial BankCohort median
20212026Change20212026Change
Loans$9.58B$10.71B+12%$7.81B$11.53B+48%
Deposits$11.14B$12.74B+14%$9.82B$13.42B+37%
NPA / loans0.56%0.64%+0.08 pts0.60%0.53%-0.07 pts
Efficiency68.3%49.7%-18.6 pts65.7%60.5%-5.2 pts
ROA0.55%1.00%+0.45 pts0.87%0.98%+0.11 pts

This read was prepared for Dime Commercial Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Dime Commercial Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.dime.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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