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Dime Community Bancshares (DCOM) investor relations material
Dime Community Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $27.7 million, up from $13.3 million in Q3 2024, with EPS rising 103% year-over-year to $0.59 and adjusted EPS at $0.61.
Pre-tax, pre-provision income rose to $54.4 million, up from $49.4 million in Q2 and $29.8 million a year ago.
Core deposits increased by $1 billion year-over-year, with business loans growing by over $160 million in Q3 and $400 million year-over-year.
Book value per common share rose to $30.44 from $29.31 year-over-year.
New branch openings in Manhattan and planned expansions in New Jersey and Long Island support growth.
Financial highlights
Net interest margin (NIM) increased for the sixth consecutive quarter, reaching 3.01% in Q3 2025, up from 2.50% in Q3 2024.
Net interest income was $103.4 million, up from $98.1 million in Q2 2025 and $79.9 million in Q3 2024.
Efficiency ratio improved to 53.8% from 65.9% in Q3 2024.
Allowance for credit losses to total loans was 0.88% at quarter end.
Total assets reached $14.54 billion, up $185.7 million from year-end 2024.
Outlook and guidance
Net interest margin is expected to continue expanding in Q4 2025 due to improved loan-deposit spreads and ongoing loan repricing through 2027.
Fourth quarter core cash operating expenses projected at $63 million.
Non-interest income run rate for Q4 expected at $10–$10.5 million, excluding fraud recovery.
Management remains focused on core community banking, monitoring interest rate risk and credit quality.
How will asset repricing impact NIM by 2026?
What is the normalized charge-off expectation for 2026?
What factors influence share repurchase decisions?
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Next Dime Community Bancshares earnings date
Q4 202527 Jan, 2026
Next Dime Community Bancshares earnings date
Q4 202527 Jan, 2026
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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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