Dime Commercial Bancshares, Inc. /NY/ (DCOM) Form 8-K — Oct 20, 2026
Dime Commercial Bancshares (NYSE: DCOM) reported record Q3 2026 results with net income available to common of $39.7 million, or $0.90 per diluted share, up 53% from $0.59 a year ago. Total revenue hit a record $135 million as net interest margin expanded to 3.35% from 3.01% a year earlier. The balance sheet strengthened meaningfully, with deposits up $1.08 billion year-over-year to $13.14 billion, business loans growing $929.1 million, and $2.2 billion of cash on hand producing an 83% loan-to-deposit ratio. Return on average assets improved to 1.10% and the efficiency ratio fell to 48.4% from 53.8%.
Key figures
- Eps
- 0.9
- Eps Beat
- $0.91 adjusted diluted EPS vs $0.61 a year ago (53% YoY increase)
- Revenue
- $135 million record total revenue
- Net Income
- $39.7 million available to common stockholders
- Total Debt
- $335 million FHLB advances; $231.3 million subordinated debt
- Revenue Yoy
- Q3 2025 total revenue was $115.6 million
- Total Assets
- $15.55 billion
- Cash Position
- $2.2 billion cash and due from banks
- Shares Outstanding
- 43,811 thousand common shares
- Roaa
- 1.10%
- Buyback
- 298,003 shares repurchased at weighted-average $40.64 per share (0.7% of shares outstanding)
- Nim q2 2026
- 3.28%
- Nim q3 2025
- 3.01%
- Nim q3 2026
- 3.35%
- Total deposits
- $13.14 billion
- Efficiency ratio
- 48.4% vs 53.8% year-ago
- Deposit growth yoy
- $1.08 billion increase
- Net interest income
- $121.2 million vs $103.4 million year-ago
- Book value per share
- $32.10
- Nonperforming assets
- $99.5 million vs $69.0 million prior quarter
- Credit loss provision
- $13.8 million
- Loan to deposit ratio
- 83.1%
- Business loan growth lq
- $346.6 million
- Loans held for investment
- $10.92 billion
- Tangible book value per share
- $28.49
AI analysis
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