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Dec 31, 2025
Dime Q4 2025 Earnings Report
Dime reported strong Q4 2025 results with record revenue and significant improvements in key profitability and efficiency metrics.
Key Takeaways
Dime Community Bancshares delivered a robust Q4 2025 performance, achieving record quarterly revenue, higher net income, and improved EPS. The company benefited from core deposit and business loan growth, margin expansion, and lower non-performing assets.
Record Q4 revenue of $124 million and net interest income of $112.3 million.
Net income rose to $30.0 million with adjusted EPS at $0.79.
Loan-to-deposit ratio declined to 83.8%, reflecting healthy liquidity.
Non-performing assets fell to 0.34% of total assets, showing improved asset quality.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management anticipates continued revenue growth driven by loan repricing opportunities and core banking expansion.
Positive Outlook
- Significant loan repricing opportunity extending through 2027.
- Strong liquidity position with $2.35B in cash to support future lending.
- Growth in core deposits and business loans expected to continue.
- Efficiency ratio improved, reflecting cost control and scalability.
- Loan portfolio mix optimized with reduced CRE concentration.
Challenges Ahead
- Loan WAR slightly declined to 5.27% from prior quarter’s 5.37%.
- Multifamily and CRE balances declined sequentially.
- Increased severance expenses affected non-interest costs.
- Subdued non-interest income due to volatility in market-sensitive items.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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