Dime Commercial Bank (FDIC #6976): Bank Stress & Real-Estate Credit Exposure
Dime Commercial Bank (FDIC Cert #6976): bank stress 66/100, elevated, STABLE over 7 days; parent DIME COMMERCIAL BANCSHARES INC.
Dime Commercial Bank (#6976) lends in 9 counties across 2 states; Dime Commercial Bank (#6976) reaches 495 ZIP codes: New York 8 counties, 465 ZIPs; New Jersey 1 county, 30 ZIPs.
Dime Commercial Bank (#6976) largest markets: Suffolk County, NY (2,943 branches, 109 ZIPs) (#6976), Westchester County, NY (78 branches, 78 ZIPs) (#6976), New York County, NY (140 branches, 70 ZIPs) (#6976), Nassau County, NY (910 branches, 70 ZIPs) (#6976), Queens County, NY (612 branches, 68 ZIPs) (#6976), Kings County, NY (320 branches, 40 ZIPs) (#6976).
Dime Commercial Bank (#6976) reports $15.03 billion in total assets; Dime Commercial Bank (#6976) equity $1.69 billion (11.3% of Dime Commercial Bank (#6976) assets); Dime Commercial Bank (#6976) domestic deposits $12.74 billion; Dime Commercial Bank (#6976) net income $74.7 million; Dime Commercial Bank (#6976) return on assets 0.99%; Dime Commercial Bank (#6976) return on equity 8.95%; Dime Commercial Bank (#6976) net interest income $235.7 million; Dime Commercial Bank (#6976) call report June 30, 2026.
Dime Commercial Bank (#6976) noncurrent real-estate loans 0.39% of its book; Dime Commercial Bank (#6976) commercial real estate 0.28%; Dime Commercial Bank (#6976) multifamily 0.74%; Dime Commercial Bank (#6976) residential 0.23%; Dime Commercial Bank (#6976) net charge-offs on real estate 0.55%; Dime Commercial Bank (#6976) commercial charge-offs 2.97%; Dime Commercial Bank (#6976) multifamily charge-offs 0.92%; Dime Commercial Bank (#6976) residential charge-offs 0.32%.
Dime Commercial Bank (#6976) net interest margin 3.33% against an eight-quarter Dime Commercial Bank (#6976) average of 3.00% (Dime Commercial Bank (#6976) compression -0.33 points); Dime Commercial Bank (#6976) real-estate loans 39.0% of equity; Dime Commercial Bank (#6976) commercial real estate 297.0% of equity; Dime Commercial Bank (#6976) non-residential real estate 31.7% of equity; Dime Commercial Bank (#6976) rate-exposure score 70/100, Dime Commercial Bank (#6976) fixed-rate trap 70/100; Dime Commercial Bank (#6976) risk type cre heavy; Dime Commercial Bank (#6976) rate regime rates elevated, Dime Commercial Bank (#6976) snapshot October 19, 2026.
Dime Commercial Bank (#6976) stress score moved from 65.5 on June 22, 2026 to 66.3 on October 19, 2026; Dime Commercial Bank (#6976) ranged 65.5 to 66.3 over 116 snapshots.
Dime Commercial Bank (#6976) alerts: 9 counties; top Dime Commercial Bank (#6976) alert scores: Bronx County, NY 46 (moderate); New York County, NY 44 (moderate); Brooklyn County, NY 23 (low); Lakewood County, NY 23 (low); Staten Island County, NY 23 (low).