Dime Commercial Bank: how it compares with its peers
Against 14 NY banks with half to twice its assets, Dime Commercial Bank's strongest measure in Q2 2026 is efficiency ratio (49.52% vs. a 56.10% peer median). Its weakest relative measure is assets per employee ($16.1M vs. $15.8M).
| Measure | Dime Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 0.95% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.33% | 2.60% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.52% | 56.10% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.1M | $15.8M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.21% | 85.78% | Context |
What it means for lending operations
Its efficiency ratio of 49.52% is better than the 56.10% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Popular Bank New York, NY · $15.03B
- Israel Discount Bank of New York New York, NY · $14.39B
- Safra National Bank of New York New York, NY · $15.69B
- NBT Bank, National Association Norwich, NY · $16.09B
- Bank of Baroda New York, NY · $16.24B
- Community Bank, National Association Canton, NY · $17.45B
Questions about Dime Commercial Bank
How big is Dime Commercial Bank?
Dime Commercial Bank, established in 1909, is headquartered in Hauppauge, NY. It reported $15.03B in total assets in its Q2 2026 FDIC call report and operates 64 offices.
What is Dime Commercial Bank's return on assets?
0.99% annualized in Q2 2026, against a 0.95% median for 14 NY banks with half to twice its assets, ahead of 57% of them.
What is Dime Commercial Bank's efficiency ratio?
49.52% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 56.10%, and lower is better.
Is Dime Commercial Bank growing its loans?
Net loans shrank 1.8% over the year to Q2 2026, while deposits grew 7.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.