Dime Commercial Bancshares, Inc. (DCOM) SEC Filings & Earnings Calls
EquiReason read 24 Dime Commercial Bancshares, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-22 — Routine quarterly dividend declaration of $0.34375 per share on Series A preferred stock, payable November 16, 2026..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 1.9B
- P/E TTM
- 15.4
- Dividend yield
- 2.3%
- 52-week
- —
- Next earnings
- 19 Jan, in 87 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
20 Oct 20268-K · 2.02Dime Commercial Bancshares reported Q3 2026 EPS $0.90 diluted, up 53% YoY; record revenue $135M; NIM expanded to 3.35% from 3.01% YoY; deposits up 15% annualized QoQ; loans up 8% annualized QoQ; efficiency ratio improved to 48.4% from 53.8%earningsopen
Figures in the filing · each found in the filing text
| Net income available to common stockholders · Q3-2026 | $40M | +54% y/y |
| Diluted earnings per common share · Q3-2026 | $0.90 | +53% y/y |
| Net interest income · Q3-2026 | $121M | +17% y/y |
| Net interest margin · Q3-2026 | 3.4% | |
| Efficiency ratio · Q3-2026 | 48.4% | |
| Total deposits · Q3-2026 | $13.14B | +9% y/y |
| Business loans · Q3-2026 | $3.99B | +30% y/y |
| Return on average assets · Q3-2026 | 1.1% | |
| Weighted average rate on loan portfolio · Q3-2026 | 5.5% | |
| Loan originations excluding new lines of credit · Q3-2026 | $375M | +120% y/y |
Risks flagged
CRE concentration ratio at 338%, though proactively managed lower; potential risk if commercial real estate market weakens
“Consolidated CRE Concentration ratio 338%”
20 Oct 20268-K · 1.01, 7.01Dime Commercial Bancshares enters into a merger agreement to acquire ES Bancshares, with voting agreements from key stockholders. The transaction involves a bank merger and is subject to regulatory approvals.being acquiredopen
Risks flagged
Regulatory approval risk for the merger and bank merger.
“Merger is subject to regulatory approvals.”
24 Sep 20268-K · 8.01Dime Commercial Bancshares declared a quarterly cash dividend of $0.25 per common share, payable October 23, 2026 to holders of record October 16, 2026. Routine quarterly dividend declaration.open
Figures in the filing · each found in the filing text
| Quarterly cash dividend per common share · Q3-2026 | $0.25 |
31 Jul 202610-QDCOM reported higher net income but with significantly increased credit loss provisions and charge-offs, indicating mixed results.earningsopen
Figures in the filing · each found in the filing text
| Net income available to common stockholders · H1-2026 | $66M | +38% y/y |
| Basic EPS · H1-2026 | $1.49 | +37% y/y |
| Total loans · Q2-2026 | $10.71B | |
| Allowance for credit losses · Q2-2026 | $105M | |
| Provision for credit losses · H1-2026 | $26M | +53% y/y |
| Non-accrual loans · Q2-2026 | $67M |
Risks flagged
Credit deterioration in multifamily and CRE portfolios
“Multifamily residential and residential mixed-use charge-offs 12,219 (six months ended June 30, 2026) vs 0 (six months ended June 30, 2025)”
Rising non-accrual loans
“Non-accrual loans 66,819 (June 30, 2026) vs 52,312 (December 31, 2025)”
23 Jul 20268-K · 8.01Dime Commercial Bancshares declared a routine quarterly cash dividend of $0.34375 per share on its 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A, payable August 14, 2026.open
Figures in the filing · each found in the filing text
| Dividend per share (Preferred Series A) · Q3-2026 | $0.34 |
23 Jul 20268-K · 2.02Record quarterly revenue of $126M; EPS $0.75 vs $0.64 YoY; NIM expanded to 3.28%; announces plans to resume share buybacks; strong core deposit and business loan growth.earningsopen
Figures in the filing · each found in the filing text
| Net income available to common stockholders · Q2-2026 | $33M | +18% y/y |
| Diluted earnings per share · Q2-2026 | $0.75 | +17% y/y |
| Adjusted diluted EPS (non-GAAP) · Q2-2026 | $0.79 | +23% y/y |
| Net interest income · Q2-2026 | $115M | +17% y/y |
| Net interest margin · Q2-2026 | 3.3% | |
| Efficiency ratio · Q2-2026 | 51.2% | |
| Adjusted efficiency ratio (non-GAAP) · Q2-2026 | 49.9% | |
| Total deposits · Q2-2026 | $12.68B | |
| Business loans · Q2-2026 | $3.65B | +26% y/y |
| Loans held for investment · Q2-2026 | $10.70B | -2% y/y |
Risks flagged
CRE concentration remains elevated at 352%, though proactively managed lower
“The Company’s Consolidated CRE Concentration ratio was proactively managed lower to 352%” · word for word
Loan portfolio weighted average rate increased only 8 bps linked quarter, indicating limited repricing benefit in a stable rate environment
“The ending weighted average rate on the total loan portfolio was 5.36% at June 30, 2026, an 8-basis point increase compared to 5.28% at March 31, 2026”
25 Jun 20268-K · 8.01Quarterly cash dividend per common share $0.25open
Figures in the filing · each found in the filing text
| quarterly cash dividend per common share · Q2-2026 | $0.25 |
1 Jun 20268-K · 5.02, 5.03, 5.07Reported the departure of a director or principal officer (CEO/CFO change); amended its articles of incorporation or bylawsopen
Risks flagged
No material financial risks disclosed; routine governance and compensation updates
“No adverse financial or operational changes mentioned”
1 May 202610-QNet income available to common stockholders $33M (+67% y/y); Total deposits $12.60B; Loans held for investment, net $10.51Bopen
Figures in the filing · each found in the filing text
| Net income available to common stockholders · Q1-2026 | $33M | +67% y/y |
| Total deposits · Q1-2026 | $12.60B | |
| Loans held for investment, net · Q1-2026 | $10.51B | |
| Allowance for credit losses · Q1-2026 | $101M | |
| Basic EPS · Q1-2026 | $0.75 | +67% y/y |
Risks flagged
Credit deterioration in multifamily and CRE loans
“Charge-offs of $8.2M in multifamily residential and residential mixed-use loans during Q1 2026.”
Interest rate sensitivity on securities portfolio
“Unrealized losses on AFS securities increased to $28.8M from $26.9M at Dec 2025.”
23 Apr 20268-K · 2.02Net income available to common stockholders $33M; Diluted EPS $0.75; Net interest margin 3.21earningsopen
Figures in the filing · each found in the filing text
| Net income available to common stockholders · Q1-2026 | $33M | |
| Diluted EPS · Q1-2026 | $0.75 | |
| Net interest margin · Q1-2026 | 3.2% | |
| Net interest income · Q1-2026 | $112M | |
| Efficiency ratio · Q1-2026 | 50.8% | |
| Total deposits · Q1-2026 | $12.60B | |
| Business loans · Q1-2026 | $3.36B | |
| Tier 1 Common Equity Ratio · Q1-2026 | 11.9% |
Risks flagged
CRE concentration ratio at 371% is high but proactively managed
“Consolidated CRE Concentration ratio was proactively managed lower to 371%.” · word for word
13 Apr 2026DEF 14AProxy statement for annual shareholder meeting; no material event disclosed beyond routine governance and compensation mattersopen
Figures in the filing · each found in the filing text
| Core Deposits Growth · FY2025 | $1.25B | +12% y/y |
| Net Interest Margin · Q4-2025 | 3.1% | |
| Loan-to-Deposit Ratio · 2025-12-31 | 84.0% | |
| Non-Performing Loans / Total Loans · 2025-12-31 | 0.5% | |
| Pre-Provision Net Revenue · Q4-2025 | $62M | |
| CRE Concentration Ratio · 2025-12-31 | 387.0% | |
| Tier 1 Risk-Based Capital Ratio · 2025-12-31 | 12.8% | |
| Total Shareholder Return (since Sep 2023) · 2023-09-01 to 20 | 67.4% |
Risks flagged
CRE concentration risk
“CRE Concentration Ratio (Consolidated) ... Actual Results 387% (target 405%, maximum 365%)”
Interest rate sensitivity
“The Company’s asset quality metrics remained strong on a year-over-year basis. Non-performing loans represented only 0.49% of total loans at December 31, 2025” · word for word
25 Mar 20268-K · 8.01Board declared quarterly cash dividend of $0.25 per common share, payable April 24, 2026 to holders of record April 17, 2026.open
Figures in the filing · each found in the filing text
| Dividend per share · Q1-2026 | $0.25 |
23 Feb 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportopen
Risks flagged
Shareholder approval required for name change; no material financial risk
“subject to shareholder approval” · word for word
20 Feb 202610-KNet interest margin 3.01; Net interest income $408M (+28% y/y); Net income $111M (+280% y/y)open
Figures in the filing · each found in the filing text
| Net interest margin · FY2025 | 3.0% | |
| Net interest income · FY2025 | $408M | +28% y/y |
| Net income · FY2025 | $111M | +280% y/y |
| Total deposits · FY2025 | $11.84B | +7% y/y |
| Loans held for investment, net · FY2025 | $10.66B | -1% y/y |
| Allowance for credit losses · FY2025 | $97M | +10% y/y |
Risks flagged
CRE concentration risk
“Non-owner-occupied commercial real estate loans and multifamily residential and residential mixed-use loans have collectively represented the largest percentage of the Company’s loan portfolio, accounting for 59% and 65% of total loans held for investment as of December 31, 2025 and 2024, respectively.” · word for word
Credit loss provisioning pressure
“The $43.0 million provision for credit losses recognized in 2025 was attributable to updates in the macroeconomic forecast, updated loss driver models, and charge-offs on non-owner-occupied real estate loans.” · word for word
26 Jan 20268-K · 8.01Debentures redeemed $40M; Shares authorized for repurchase 1,566,947open
Figures in the filing · each found in the filing text
| Debentures redeemed · Q1-2026 | $40M | |
| Shares authorized for repurchase · 2026 | 1,566,947 |
22 Jan 20268-K · 8.01Preferred dividend per share $0.34open
Figures in the filing · each found in the filing text
| Preferred dividend per share · Preferred Stock Series A · Q1-2026 | $0.34 |
21 Jan 20268-K · 2.02Revenue $124M; Net income available to common stockholders $30M; Diluted EPS $0.68; Guidance: Record revenue of $124M; adjusted EPS up 29.5% linked quarter; loan repricing opportunity through 2027earningsopen
Figures in the filing · each found in the filing text
| Revenue · Q4-2025 | $124M | |
| Net income available to common stockholders · Q4-2025 | $30M | |
| Diluted EPS · Q4-2025 | $0.68 | |
| Adjusted diluted EPS (non-GAAP) · Q4-2025 | $0.79 | |
| Net interest margin · Q4-2025 | 3.1% | |
| Total deposits · FY2025 | $1.16B | |
| Efficiency ratio · Q4-2025 | 52.6% | |
| Loans held for investment · Q4-2025 | $10.76B | |
| Common Equity Tier 1 Ratio · Q4-2025 | 11.7% |
Guidance
Record revenue of $124M; adjusted EPS up 29.5% linked quarter; loan repricing opportunity through 2027
CEO explicitly states anticipated continued revenue growth, significant loan repricing opportunity, and organic growth paying dividends. No formal guidance but strong forward-looking statements.
Risks flagged
CRE concentration remains elevated at 387%, though proactively managed lower.
“The Company’s Consolidated CRE Concentration ratio was proactively managed lower to 387%” · word for word
Loan portfolio WAR declined 10 bps linked quarter, indicating potential yield pressure from new originations.
“The ending weighted average rate on the total loan portfolio was 5.27% at December 31, 2025, a 10 basis point decrease compared to the ending WAR of 5.37% at September 30, 2025”
17 Dec 20258-K · 8.01Dividend per share $0.25open
Figures in the filing · each found in the filing text
| dividend per share · Q1-2026 | $0.25 |
3 Nov 202510-QDime Commercial Bancshares reported Q3 2025 net income of $25.8M, up from $11.5M a year ago, but with rising credit provisions and CRE non-accruals.earningsopen
Figures in the filing · each found in the filing text
| Net income available to common stockholders · Q3-2025 | $26M | +125% y/y |
| Diluted EPS · Q3-2025 | $0.59 | +103% y/y |
| Total loans · 2025-09-30 | $10.73B | |
| Allowance for credit losses · 2025-09-30 | $94M |
Risks flagged
Commercial real estate credit deterioration
“Non-owner-occupied commercial real estate non-accrual loans increased from $22.96M at Dec 2024 to $47.95M at Sep 2025.”
Rising provision expense
“Provision for credit losses increased from $11.6M for Q3 2024 to $13.5M for Q3 2025, and from $22.1M to $30.4M for the nine months.”
27 Oct 20258-K · 5.02Reported the departure of a director or principal officer (CEO/CFO change); filed financial statements and exhibits with this reportopen
Risks flagged
No material risks; routine executive transition.
“Orderly succession plan.”
Dime Commercial Bancshares, Inc. — questions
- What did Dime Commercial Bancshares, Inc. file recently?
- 24 SEC filings in the last 12 months. Latest: 8-K on 2026-10-22 — Routine quarterly dividend declaration of $0.34375 per share on Series A preferred stock, payable November 16, 2026.
Every figure on this page comes from Dime Commercial Bancshares, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.