Dime Commercial Bancshares, Inc. /NY/
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.
Tilikausi 2025 · muutos edellisvuodesta
Kehitys 2020–2025
Liiketoiminta
Osuus liikevaihdostaLoans secured by commercial properties, multifamily housing, construction, and related real estate assets.
One-to-four family mortgages, home equity loans, and consumer credit products.
Business and consumer deposit accounts plus treasury, lockbox, and merchant services.
Investment services, title insurance brokerage, and other non-interest income activities.
Investment securities and other balance-sheet assets supporting liquidity and earnings.
Asiakkaat
The bank serves small and medium-sized businesses, municipal relationships, and consumer customers in its market area. Its lending and deposit products are used by local operating companies, property owners, households, and public-sector entities that need relationship banking and cash management services.
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.
Strategia
The company focuses on relationship banking in its local market, using commercial lending and deposit gathering as the core of the franchise. It also broadens fee income through treasury services, merchant processing, investment services, and title insurance brokerage to deepen customer relationships and diversify revenue sources.
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.
Maantiede
The company is centered in Greater Long Island and Manhattan, with New York City and nearby suburban markets forming its core operating footprint. Its loan and deposit base is tied to local real estate, business activity, and municipal relationships, making the franchise highly dependent on conditions in the New York metropolitan area.
Riskit
The bank is exposed to credit risk in commercial real estate, multifamily, and consumer lending, where borrower performance depends on property values, occupancy, and local economic conditions. It also faces concentration risk from its New York metropolitan footprint, intense competition from larger banks and nonbank lenders, and operational risks tied to cybersecurity, fraud, and third-party service providers.
- Commercial real estate and multifamily credit deteriorationVaikutus: KorkeaTodennäköisyys: Kohtalainen
A meaningful share of lending is secured by property assets whose repayment depends on rents, occupancy, and collateral values.
Kohdistuu - Geographic concentration in Greater Long Island and ManhattanVaikutus: KorkeaTodennäköisyys: Kohtalainen
The bank's business is tied to one metro area, so local economic weakness can affect both loan demand and credit quality.
Kohdistuu: New York metropolitan market
- Cybersecurity, fraud, and operational disruptionVaikutus: KorkeaTodennäköisyys: Kohtalainen
The bank processes sensitive customer data and payments through internal and third-party systems.
Kohdistuu - Competitive pressure on spreads and depositsVaikutus: KeskitasoTodennäköisyys: Kohtalainen
Large banks, credit unions, and specialty lenders can offer more aggressive pricing and broader product sets.
Kohdistuu: Deposit pricing and loan origination
Kirjanpito
Harkinnanvaraiset erätReserve levels depend on expected losses, macro assumptions, and portfolio mix, making earnings sensitive to judgment.
Vaikutus: Provision expense and balance-sheet reserve
Loans placed on nonaccrual stop recognizing interest income, affecting net interest income and asset quality metrics.
Vaikutus: Interest income and credit quality presentation
Changes in market rates can move the value of the investment portfolio and affect accumulated other comprehensive income.
Vaikutus: Equity and liquidity presentation
Merchant processing, investment services, and title insurance brokerage may recognize revenue at different points in time.
Vaikutus: Non-interest income timing
Samankaltaisia listattuja yhtiöitä
Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.
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Päivitetty: 24.9.2026