Kroll Bond Rating Agency Issues “Positive” Ratings Outlook for Dime Commercial Bancshares, Inc.

Rhea-AI Summary

Dime Commercial Bancshares (NYSE: DCOM) announced that Kroll Bond Rating Agency issued a “Positive” ratings Outlook for Dime in a June 16, 2026 report and affirmed the Bank’s BBB+ deposit and senior unsecured debt ratings.

KBRA cited stronger earnings, improved capital and reserves, over $3 billion of core deposits gathered since 2023, reduced investor CRE concentration, and strong funding and liquidity.

Positive

• KBRA assigns a “Positive” ratings Outlook to Dime
• KBRA affirms BBB+ ratings on deposits and senior unsecured debt
• Over $3 billion of core deposits generated since 2023
• Stronger earnings, capital, and reserve levels cited by KBRA
• Meaningfully lower investor CRE concentration highlighted
• Funding and liquidity characterized as notable strengths

Negative

• None.

News Market Reaction – DCOM

-1.62%

-1.62% Session close to close

In the Jun 17 session, DCOM declined 1.62%, reflecting a mild negative market reaction.

Data tracked by StockTitan Argus on the day of publication.

Market Context

This announcement highlights an external validation of Dime’s progress, with KBRA affirming BBB+ rat...

Analysis

This announcement highlights an external validation of Dime’s progress, with KBRA affirming BBB+ ratings and assigning a “Positive” Outlook based on stronger earnings, improved capital and reserves, and funding and liquidity strengths. The report notes that a deposit-focused strategy has generated more than $3 billion of core deposits since 2023, reducing noncore funding reliance. Investors may watch how management continues deposit gathering, loan diversification, and capital preservation to gauge whether ratings momentum is sustained.

Key Figures

Core deposits raised: more than $3 billion

1 metrics

Core deposits raised more than $3 billion Generated since 2023 via deposit-focused team strategy

Historical Context

5 past events · Latest: Jun 01 (Positive)

Pattern 5 events

Date	Event	Sentiment	24h Move	Catalyst
Jun 01	Branding / visibility	Positive	+0.8%	NYSE Opening Bell event marking rebranding to Dime Commercial Bank.
May 20	Community support	Positive	+2.8%	Support for CAST’s North Fork Culinary Program and local economic initiatives.
May 14	Community support	Positive	+1.3%	Continued backing of CHCF programs for underserved New York City communities.
May 04	Business expansion	Positive	-1.5%	Launch of Equipment & Franchise Finance Group targeting large-ticket lending.
Apr 28	Sponsorship / CSR	Positive	+0.2%	Renewed lead sponsorship of Dime McCarren 5K supporting local social programs.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Pattern Detected

Recent company and community news has generally seen mildly positive price reactions, with one strategic expansion headline met by a small pullback.

Recent Company History

Over the past few months, Dime’s news flow has focused on brand visibility, community partnerships, and strategic growth. The NYSE Opening Bell event on June 2, 2026 around the bank’s rebranding drew a modest 0.81% gain. Community support announcements in May for CAST and CHCF coincided with positive moves of 2.83% and 1.3%. The launch of an Equipment & Franchise Finance Group, tied to a platform previously exceeding $2 billion in assets, saw a -1.52% reaction. Sponsorship of the Dime McCarren 5K produced a small 0.17% uptick.

Key Terms

senior unsecured debt, core deposits, liquidity

3 terms

senior unsecured debt financial

"KBRA affirmed the deposit and senior unsecured debt ratings of BBB+"

A senior unsecured debt is a loan or bond that a company must repay before other unsecured obligations but is not backed by specific assets as collateral. Think of it as being earlier in line for repayment, like a preferred ticket in a queue, but without a guarantee you’ll get property if the company fails; that priority reduces risk compared with junior debt and affects expected interest rates and recovery prospects for investors.

core deposits financial

"generated more than $3 billion of core deposits since 2023"

Core deposits are the stable, everyday customer balances a bank keeps—like checking and savings accounts and regular business deposits—that are unlikely to be withdrawn suddenly. Think of them as a household’s paycheck direct-deposits: predictable, low-cost funding the bank can rely on. For investors, a larger share of core deposits means steadier cash available, lower borrowing needs and interest expenses, and therefore more predictable earnings and lower risk.

liquidity financial

"Funding and liquidity are notable strengths."

Liquidity is how easily and quickly an asset or investment can be converted into cash without losing value. It matters to investors because higher liquidity means they can access their money quickly if needed, while lower liquidity can make it harder to sell assets promptly or at a fair price, potentially creating financial challenges. Think of it like trying to sell a common item versus a rare collectible—it's much easier to sell the common item fast.

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HAUPPAUGE, N.Y., June 16, 2026 (GLOBE NEWSWIRE) -- Dime Commercial Bancshares, Inc. (the “Company” or “Dime”) (NYSE: DCOM), the parent company of Dime Commercial Bank (the “Bank”), announced that Kroll Bond Rating Agency (“KBRA”), in a report dated June 16, 2026, issued a “Positive” ratings Outlook for Dime.

KBRA affirmed the deposit and senior unsecured debt ratings of BBB+ for Dime Commercial Bank.

According to the KBRA report, the ratings and “Positive” Outlook reflects management's successful execution of its operating strategies, notably its deposit gathering and loan portfolio diversification initiatives. These efforts have contributed to stronger earnings, improved capital and reserve levels, and a meaningfully lower investor CRE concentration. Funding and liquidity are notable strengths. The successful execution of the deposit-focused team strategy has generated more than $3 billion of core deposits since 2023, which allowed management to largely eliminate noncore funding sources and materially enhance on balance sheet liquidity.

Stuart H. Lubow, President and Chief Executive Officer, stated, “As we continue to execute on our growth plan, we are pleased to receive a Positive ratings Outlook from Kroll.”

ABOUT DIME COMMERCIAL BANCSHARES, INC.

Dime Commercial Bancshares, Inc. is the holding company for Dime Commercial Bank, a New York State-charted trust company with approximately $15 billion in assets and the number one deposit market share on Greater Long Island ⁽¹⁾.

Investor Relations Contact:
Avinash Reddy
Senior Executive Vice President – Chief Operating Officer and Chief Financial Officer
Phone: 718-782-6200; Ext. 5909
Email: avinash.reddy@dime.com

 ¹ Aggregate deposit market share for Kings, Queens, Nassau & Suffolk counties for commercial banks with less than $20 billion in assets.

FORWARD-LOOKING STATEMENTS
Statements contained in this news release that are not historical facts are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those currently anticipated.

FAQ

What did KBRA announce about Dime Commercial Bancshares (NYSE: DCOM) on June 16, 2026?

KBRA issued a “Positive” ratings Outlook for Dime and affirmed BBB+ ratings. According to KBRA, this reflects stronger earnings, improved capital and reserves, reduced investor CRE concentration, and notable funding and liquidity strengths at Dime Commercial Bank.

What are Dime Commercial Bank’s current KBRA credit ratings and Outlook?

Dime Commercial Bank holds BBB+ ratings on deposits and senior unsecured debt, with a “Positive” Outlook. According to KBRA, this stance reflects management’s execution in deposit gathering, loan portfolio diversification, stronger earnings, and enhanced on-balance-sheet liquidity.

How much in core deposits has Dime Commercial Bancshares (DCOM) raised since 2023?

Dime has generated more than $3 billion of core deposits since 2023. According to Dime, a deposit-focused team strategy enabled this growth, helping largely eliminate noncore funding sources and materially enhance on-balance-sheet liquidity at Dime Commercial Bank.

Why did KBRA give Dime a Positive ratings Outlook in 2026?

KBRA cited successful execution of operating strategies, including deposit gathering and loan diversification, for the Positive Outlook. According to KBRA, these efforts strengthened earnings, capital and reserves, lowered investor CRE concentration, and improved funding and liquidity for Dime Commercial Bank.

What does the Positive KBRA Outlook mean for Dime Commercial Bancshares investors?

The Positive Outlook indicates KBRA’s favorable view of Dime’s current credit profile. According to KBRA, stronger earnings, capital, reserves, and liquidity, alongside reduced investor CRE concentration, underpin this view and may support perceived credit quality for debt investors.