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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
Core pre-tax, pre-provision income rose to $54.4 million in Q3 2025, up from $49.4 million in Q2 and $29.8 million a year ago.
Core EPS reached $0.61, a 110% year-over-year increase, with adjusted EPS at $0.61 for Q3 2025.
Net income available to common stockholders was $25.8 million, down from $27.9 million in Q2 2025 but up from $11.5 million in Q3 2024.
Business loans grew by over $160 million in Q3, with year-over-year growth exceeding $400 million.
Core deposits increased by $1 billion year-over-year, with deposit teams growing portfolios to $2.6 billion.
Financial highlights
Net interest margin (NIM) increased for the sixth consecutive quarter, reaching 3.01%.
Net interest income was $103.4 million, up from $98.1 million in Q2 2025 and $79.9 million in Q3 2024.
Non-interest income was $12.2 million, including a $1.5 million fraud recovery.
Efficiency ratio improved to 53.8% from 55.0% in Q2 2025 and 65.9% in Q3 2024.
Credit loss provision was $13.3 million; allowance to loans increased to 88 basis points.
Outlook and guidance
Expect more pronounced NIM expansion in Q4 2025 due to lower deposit costs and stable loan yields.
Asset repricing in 2026 and 2027 expected to drive further NIM increases, with $1.35 billion in loans repricing in 2026 and $1.7 billion in 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.
Continued focus on core deposit and business loan growth, with further branch expansion planned.
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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