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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.
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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