Here are the 10-K annual reports from Dime Community Bancshares, Inc. 9.000% Fixed-to-Floating Rate Subordinated Notes due 2034 (DCOMG) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow DCOMG and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full DCOMG filings page.
Dime Community Bancshares, Inc. filed its Form 10-K reporting 2025 net income of $110.7 million, up from $29.1 million in 2024 and $96.1 million in 2023. The improvement was driven by higher net interest income and non-interest income, partly offset by higher expenses, taxes, and credit loss provisions.
The Company operates through Dime Community Bank, a commercial bank with 63 branches across Greater Long Island, New York City, Westchester County and New Jersey, and employed 902 full-time equivalent staff as of December 31, 2025. Its loan book is heavily concentrated in commercial, multi-family and residential real estate in Greater Long Island and Manhattan, and regulators flagged non-owner-occupied commercial real estate at 387% of total risk-based capital as of year-end 2025 under CRE guidance thresholds.
Key risks highlighted include credit risk from concentrated CRE and business lending portfolios, interest-rate sensitivity, liquidity pressures, extensive regulatory oversight, cybersecurity and operational threats, environmental and legal exposures, and emerging technology and AI-related intellectual property issues. The Company reports an FDIC-insured deposit base, a securities portfolio with a carrying value of $1.42 billion, and ongoing stock repurchase authorization with 1,566,947 shares remaining but no buybacks in 2025.