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Dime Community Bancshares (DCOM) investor relations material
Dime Community Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 rose to $29.7M, up 61% year-over-year, with core pretax pre-provision income at $49M and core ROA at 0.85%.
Core deposits increased by $1.2B year-over-year, and business loans grew $370M (15%) year-over-year.
Net interest income increased $22.6M year-over-year, with NIM improving to 2.98%.
New lending verticals and senior hires are expected to drive further growth, with branch expansions planned.
The franchise is differentiated by a strong deposit base, liquidity, and capital position.
Financial highlights
Core EPS was $0.64, up 49% year-over-year; book value per share reached $29.95.
Net interest margin increased to 2.98%; efficiency ratio improved to 55.0%.
Noninterest income reached $11.6M, reflecting higher loan swap income.
Credit loss provision was $9.2M; allowance for loan losses increased to 0.86%.
Non-performing loans rose to $53.2M (0.49% of total loans) at June 30, 2025.
Outlook and guidance
NIM expected to expand further in Q3 and Q4 as loan repricing accelerates and Fed rate cuts could add to NIM.
Approximately $1.95B in loans at 4.1% will reprice or mature by end of 2026.
Low single-digit balance sheet growth expected for the rest of 2025, with CRE attrition offset by business loan growth.
Core cash noninterest expense guidance for Q3 is ~$61.5M; effective tax rate expected at 27–27.5%.
No significant changes in capital or liquidity strategy anticipated; the bank remains well-capitalized.
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Next Dime Community Bancshares earnings date
Q3 202523 Oct, 2025
Next Dime Community Bancshares earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Dime Community Bancshares Inc. is a bank holding company that operates through its subsidiary, Dime Community Bank, providing financial services to individuals, businesses, and municipalities. The company offers a range of banking products, including business and consumer loans, commercial real estate financing, deposit accounts, treasury management, and wealth management services. Dime Community Bank serves customers primarily in New York through a network of branches and digital banking platforms. The company is headquartered in Hauppauge, New York, and its shares are listed on the NASDAQ.
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