Dime Commercial Bancshares, Inc. /NY/ is the bank holding company for Dime Community Bank, a New York-based commercial bank headquartered in Hauppauge, New York. Through its banking subsidiary and related affiliates, it provides commercial and consumer banking, deposit products, lending, treasury services, and selected fee-based financial services in its local market area.
556,0 %
+19,0 %
| % | |
|---|---|
| Commercial and real estate lending | 45% Loans secured by commercial properties, multifamily housing, construction, and related real estate assets. |
| Consumer and residential lending | 20% One-to-four family mortgages, home equity loans, and consumer credit products. |
| Deposit and cash management services | 20% Business and consumer deposit accounts plus treasury, lockbox, and merchant services. |
| Fee-based financial services | 10% Investment services, title insurance brokerage, and other non-interest income activities. |
| Securities and liquidity portfolio | 5% Investment securities and other balance-sheet assets supporting liquidity and earnings. |
The bank serves small and medium-sized businesses, municipal relationships, and consumer customers in its market area...
Buy operating accounts, treasury services, and commercial loans to support day-to-day business financing.
Borrow for investor CRE, office, retail, industrial, hotels, and special-use properties.
Use mortgage financing for rent-regulated, free-market, and mixed-use housing assets.
Buy deposit accounts, residential mortgages, home equity loans, and related banking services.
Use deposit and cash management services for public funds and operating balances.
The company is centered in Greater Long Island and Manhattan, with New York City and nearby suburban markets forming...
The company focuses on relationship banking in its local market, using commercial lending and deposit gathering as the...
The franchise depends on local customer relationships to fund loans and generate recurring banking activity.
Non-interest income reduces reliance on spread income and deepens customer retention.
A large share of lending is tied to New York-area property markets, so portfolio mix affects resilience.
The bank is exposed to credit risk in commercial real estate, multifamily, and consumer lending, where borrower...
A meaningful share of lending is secured by property assets whose repayment depends on rents, occupancy, and collateral values.
The bank's business is tied to one metro area, so local economic weakness can affect both loan demand and credit quality.
The bank processes sensitive customer data and payments through internal and third-party systems.
Large banks, credit unions, and specialty lenders can offer more aggressive pricing and broader product sets.
: 16.6.2026