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Dime Community Bancshares
Dime Community Bancshares (DCOM) investor relations material
Dime Community Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Core EPS for Q4 was $0.79, up 88% year-over-year, with record total revenues of $124 million driven by organic growth and strategic team hires.
Fourth quarter net income available to common stockholders was $30.0 million, or $0.68 per diluted share, up from $25.8 million in Q3 2025 and a net loss of $22.2 million in Q4 2024.
Business loans grew over $175 million sequentially and $500 million year-over-year, with significant contributions from new industry verticals, especially healthcare.
Core deposits increased by $1.26 billion year-over-year, with non-interest-bearing DDA reaching 31% of total deposits.
The bank maintained a strong liquidity position and best-in-class capital levels, with a total capital ratio above 16% and CET1 at 11.66%.
Financial highlights
Net interest margin (NIM) rose to 3.11% in Q4, up 10 basis points sequentially; excluding prepayment fees, NIM was 3.09%.
Net interest income for Q4 2025 was $112.3 million, up from $103.4 million in Q3 2025 and $91.1 million in Q4 2024.
Core pre-tax pre-provision net revenue was $61.5 million, representing 163 basis points of average assets.
Non-interest income reached $11.5 million, above guidance.
Cost of total deposits declined to 1.85% in Q4, down 24 basis points from the prior quarter.
Outlook and guidance
Modest NIM expansion expected in H1 2026, with more substantial growth in H2 as loan repricing accelerates.
Approximately $1.4 billion in loans at a 4% rate will reprice or mature in 2026, potentially increasing NIM by 20 basis points by year-end.
Flat balance sheet expected in H1 2026, with loan growth resuming in H2; full-year loan growth projected in the low single digits.
Core cash operating expenses for 2026 guided to $255–$257 million.
Provision for loan losses expected at $10–$11 million per quarter initially, trending down in H2.
Non-interest income for 2026 expected at $45–$46 million; tax rate projected at 28%.
Management anticipates continued revenue growth, supported by a significant loan repricing opportunity extending through 2027.
What drove Q4 NIM expansion despite lower loan WARs?
How is the CRE concentration reduction impacting loan mix?
Why Q4 credit loss provision despite NPL decline?
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Next Dime Community Bancshares earnings date
Q1 202621 Apr, 2026
Dime Community Bancshares
Next Dime Community Bancshares earnings date
Q1 202621 Apr, 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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