The bank maintains a stable capital base with an equity-to-assets ratio of 0.10, while total assets have expanded to $15.0 billion as of 2026Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Jun'02 | Jun'00 | Jun'99 | Jun'98 | Jun'97 | Jun'96 | Jun'96 |
|---|
| Cash & Short Term Investments | 9.23B | 3.15B | 1.29B | 1.34B | 1.12B | 1.96B | 782.46M | 706.48M | 650.14M | 524.85M | 120.96M | 68.34M | 108.4M | 95.97M | 161.05M | 312.05M | 86.19M | 39.34M | 211.02M | 101.71M | 26.26M | 40.2M | 26.58M | 24.07M | 25.78M | 25.32M | 15.37M | 17.8M | 16.3M | 19.2M | 17.1M |
| Cash & Due from Banks | 2.06B | 2.35B | 1.28B | 457.55M | 169.3M | 393.72M | 243.6M | 155.49M | 147.26M | 169.46M | 113.5M | 64.15M | 78.19M | 45.78M | 79.08M | 43.31M | 86.19M | 39.34M | 211.02M | 101.71M | 26.26M | 40.2M | 26.58M | 24.07M | 25.78M | 25.32M | 15.37M | 17.8M | 16.3M | 19.2M | 17.1M |
| Short Term Investments | 644.06M | 797.93M | 6.6M | 886.24M | 950.59M | 1.56B | 538.86M | 551M | 502.88M | 355.39M | 7.45M | 4.19M | 30.21M | 50.19M | 81.97M | 268.75M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 12.11B | 10.5B | 12.34B | 12.39B | 12.26B | 11.04B | 6.15B | 5.87B | 5.88B | 5.94B | 5.63B | 4.7B | 4.14B | 3.74B | 3.57B | 3.72B | 3.69B | 3.65B | 3.6B | 3.06B | 2.87B | 2.84B | 3.06B | 2.68B | 2.57B | 2.48B | 2.29B | 2.07B | 1.51B | 1.21B | 1.17B |
| Investments Growth % | -19% | -14.92% | -0.39% | 1.06% | 11.04% | 79.49% | 4.77% | -0.2% | -0.92% | 5.44% | 19.88% | 13.54% | 10.64% | 4.61% | -3.9% | 0.75% | 1.14% | 1.29% | 17.8% | 6.48% | 1.32% | -7.4% | 14.32% | 4.2% | 3.7% | 8.33% | 10.41% | 37.01% | - | - | - |
| Long-Term Investments | 44.87B | 9.7B | 12.33B | 11.5B | 11.31B | 9.48B | 5.61B | 5.32B | 5.38B | 5.58B | 5.62B | 4.69B | 4.11B | 3.69B | 3.49B | 3.45B | 3.69B | 3.65B | 3.6B | 3.06B | 2.87B | 2.84B | 3.06B | 2.68B | 2.57B | 2.48B | 2.29B | 2.07B | 1.51B | 1.21B | 1.17B |
| Accounts Receivables | 57.69M | 55.57M | 55.97M | 55.67M | 48.56M | 40.15M | 34.81M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18M | 0 | 0 |
| Goodwill & Intangibles | 158.53M | 158.74M | 159.69M | 160.86M | 162.28M | 164.16M | 59.02M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 0 | 0 | 0 | 0 | 55.64M | 0 | 0 | 0 | 0 | 18M | 0 | 0 |
| Goodwill | 155.8M | 155.8M | 155.8M | 155.8M | 155.8M | 155.8M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 55.64M | 0 | 0 | 0 | 0 | 55.64M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 2.73M | 2.94M | 3.9M | 5.06M | 6.48M | 8.36M | 3.38M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18M | 0 | 0 |
| PP&E (Net) | 70.13M | 119.86M | 81.05M | 97.6M | 104.61M | 114.63M | 52.95M | 59.55M | 24.71M | 24.33M | 18.41M | 15.15M | 25.07M | 26.08M | 30.52M | 32.65M | 31.61M | 29.84M | 30.43M | 23.88M | 22.89M | 16.53M | 16.65M | 16.4M | 15.15M | 14.64M | 14.77M | 15M | 10.7M | 14M | 14.4M |
| Other Assets | 546.19M | 2.16B | 433.88M | 476.84M | 447.48M | 314.89M | 230.66M | 213.78M | 211.29M | 217.57M | 187.79M | 201.44M | 201.89M | 162.18M | 166.45M | 170.7M | 175.72M | 178.11M | 155.65M | 261.37M | 196.21M | 178.81M | 216.82M | 197.37M | 143.38M | 147.66M | 123.93M | 77.7M | 42.5M | 46.7M | 141.6M |
| Total Current Assets | 2.76B | 3.21B | 1.35B | 1.4B | 1.17B | 2B | 827.59M | 706.48M | 650.14M | 524.85M | 120.96M | 68.34M | 108.4M | 95.97M | 161.05M | 312.05M | 86.19M | 39.34M | 211.02M | 101.71M | 26.26M | 40.2M | 26.58M | 24.07M | 25.78M | 25.32M | 15.37M | 17.8M | 34.3M | 19.2M | 17.1M |
| Total Non-Current Assets | 12.24B | 12.13B | 13.01B | 12.24B | 12.02B | 10.07B | 5.95B | 5.65B | 5.67B | 5.88B | 5.88B | 4.96B | 4.39B | 3.93B | 3.74B | 3.71B | 3.95B | 3.91B | 3.84B | 3.4B | 3.15B | 3.09B | 3.35B | 2.95B | 2.78B | 2.7B | 2.49B | 2.23B | 1.59B | 1.3B | 1.35B |
| Total Assets | 15B | 15.34B | 14.35B | 13.64B | 13.19B | 12.07B | 6.78B | 6.35B | 6.32B | 6.4B | 6.01B | 5.03B | 4.5B | 4.03B | 3.91B | 4.02B | 4.04B | 3.95B | 4.06B | 3.5B | 3.17B | 3.13B | 3.38B | 2.97B | 2.81B | 2.72B | 2.5B | 2.25B | 1.62B | 1.31B | 1.37B |
| Asset Growth % | 23.91% | 6.89% | 5.26% | 3.38% | 9.31% | 77.93% | 6.72% | 0.54% | -1.29% | 6.63% | 19.32% | 11.91% | 11.64% | 3.14% | -2.88% | -0.47% | 2.23% | -2.55% | 15.84% | 10.33% | 1.51% | -7.43% | 13.65% | 5.75% | 3.25% | 8.78% | 11.32% | 38.41% | - | - | - |
| Return on Assets (ROA) | 0.84% | 0.75% | 0.21% | 0.72% | 1.21% | 1.1% | 0.64% | 0.57% | 0.81% | 0.84% | 1.31% | 0.94% | 1.04% | 1.1% | 1.02% | 1.17% | 1.04% | 0.65% | 0.74% | 0.67% | 0.97% | 1.11% | 1.46% | 1.77% | 1.4% | 0.97% | 0.94% | 1.03% | 0.81% | 0.94% | 0.46% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 708.49M | 370.63M | 979.32M | 1.57B | 1.39B | 290.06M | 1.48B | 1.36B | 1.24B | 1.28B | 831.13M | 1.17B | 1.17B | 910M | 842.5M | 1.13B | 1.19B | 1.26B | 1.35B | 886.58M | 788.9M | 834.12M | 737.08M | 571.67M | 697.72M | 995.29M | 1.01B | 731.6M | 360.1M | 139.5M | 27.7M |
| Net Debt | -1.35B | -1.98B | -304.25M | 1.11B | 1.22B | -103.66M | 1.24B | 1.2B | 1.09B | 1.11B | 717.62M | 1.1B | 1.1B | 864.22M | 763.42M | 1.09B | 1.1B | 1.23B | 1.14B | 784.87M | 762.64M | 793.92M | 710.5M | 547.6M | 671.94M | 969.97M | 998.66M | 713.8M | 343.8M | 120.3M | 10.6M |
| Long-Term Debt | 291.06M | 324.9M | 880.33M | 1.51B | 1.33B | 222.1M | 1.44B | 1.32B | 1.24B | 1.28B | 831.13M | 1.17B | 1.17B | 910M | 842.5M | 939.77M | 990.52M | 1.03B | 1.12B | 731.5M | 668.66M | 628.66M | 531.5M | 559M | 25M | 25M | 519.73M | 250M | 103.5M | 55.4M | 0 |
| Short-Term Debt | 375M | 0 | 50M | 0 | 1.36M | 1.86M | 1.22M | 0 | 0 | 0 | 0 | 0 | 0 | 133.37M | 56.89M | 195M | 195M | 230M | 230M | 155.08M | 120.23M | 205.46M | 205.58M | 12.68M | 672.72M | 970.29M | 494.29M | 481.6M | 256.6M | 84.1M | 27.7M |
| Other Liabilities | 195.03M | 653.98M | 291.28M | 310.48M | 372.95M | 124.71M | 76.23M | 114.82M | 122.63M | 117.83M | 213.01M | 187.89M | 203.87M | 175.54M | 191.9M | 181.67M | 106.91M | 110.09M | 41.62M | 113.54M | 38.94M | 38.1M | 100.13M | 34.45M | 36.93M | 30.95M | 61.8M | 20.6M | 23.8M | 6.2M | 39.2M |
| Total Current Liabilities | 12.97B | 12.84B | 11.74B | 10.53B | 10.26B | 10.46B | 4.53B | 4.28B | 4.36B | 4.4B | 4.4B | 3.18B | 2.66B | 2.51B | 2.48B | 2.54B | 2.61B | 2.51B | 2.62B | 2.39B | 2.18B | 2.17B | 2.46B | 2.09B | 2.5B | 2.44B | 1.71B | 1.77B | 1.31B | 1.06B | 1.12B |
| Total Non-Current Liabilities | 528.52M | 1.02B | 1.22B | 1.88B | 1.76B | 412.91M | 1.55B | 1.48B | 1.36B | 1.4B | 1.04B | 1.35B | 1.38B | 1.09B | 1.03B | 1.12B | 1.1B | 1.14B | 1.16B | 845.04M | 707.61M | 666.77M | 631.63M | 593.45M | 61.93M | 55.95M | 581.53M | 270.6M | 127.3M | 61.6M | 39.2M |
| Total Liabilities | 13.5B | 13.87B | 12.96B | 12.41B | 12.02B | 10.87B | 6.08B | 5.76B | 5.72B | 5.8B | 5.44B | 4.54B | 4.04B | 3.59B | 3.51B | 3.66B | 3.71B | 3.66B | 3.78B | 3.23B | 2.88B | 2.83B | 3.1B | 2.69B | 2.56B | 2.49B | 2.29B | 2.04B | 1.44B | 1.12B | 1.16B |
| Total Equity | 1.5B | 1.48B | 1.4B | 1.23B | 1.17B | 1.19B | 701.1M | 596.76M | 602.08M | 598.57M | 565.87M | 493.95M | 459.73M | 435.51M | 391.57M | 361.03M | 328.73M | 294.77M | 276.96M | 268.85M | 290.63M | 291.71M | 281.72M | 283.92M | 249.74M | 227.12M | 207.17M | 211.7M | 186.3M | 190.9M | 213.1M |
| Equity Growth % | 41.02% | 5.67% | 13.89% | 4.84% | -1.93% | 70.11% | 17.48% | -0.88% | 0.59% | 5.78% | 14.56% | 7.44% | 5.56% | 11.22% | 8.46% | 9.83% | 11.52% | 6.43% | 3.02% | -7.49% | -0.37% | 3.55% | -0.77% | 13.69% | 9.96% | 9.63% | -2.14% | 13.63% | - | - | - |
| Equity / Assets (Capital Ratio) | 9.98% | 9.62% | 9.73% | 8.99% | 8.87% | 9.88% | 10.34% | 9.39% | 9.53% | 9.35% | 9.42% | 9.81% | 10.22% | 10.81% | 10.03% | 8.98% | 8.14% | 7.46% | 6.83% | 7.68% | 9.16% | 9.33% | 8.34% | 9.55% | 8.89% | 8.34% | 8.28% | 9.42% | 11.47% | 14.52% | 15.53% |
| Return on Equity (ROE) | 8.46% | 7.71% | 2.22% | 8.02% | 12.92% | 10.98% | 6.52% | 6.04% | 8.54% | 8.91% | 13.68% | 9.39% | 9.88% | 10.53% | 10.71% | 13.72% | 13.28% | 9.16% | 10.27% | 8.02% | 10.51% | 12.63% | 16.34% | 19.22% | 16.22% | 11.62% | 10.68% | 10% | 7.03% | 6.44% | 2.96% |
| Book Value per Share | 34.77 | 34.28 | 35.87 | 32.11 | 30.35 | 30.66 | 21.38 | 16.63 | 16.23 | 15.92 | 15.37 | 13.60 | 12.78 | 12.30 | 11.39 | 10.68 | 9.85 | 8.92 | 8.44 | 8.00 | 8.27 | 8.22 | 7.80 | 7.60 | 6.63 | 5.71 | 5.18 | 5.22 | 4.22 | 3.89 | 4.35 |
| Tangible BV per Share | 31.09 | 30.59 | 31.77 | 27.90 | 26.14 | 26.44 | 19.58 | 15.08 | 14.73 | 14.44 | 13.86 | 12.07 | 11.23 | 10.73 | 9.78 | 9.04 | 8.18 | 7.24 | 6.74 | 8.00 | 8.27 | 8.22 | 7.80 | 6.11 | 6.63 | 5.71 | 5.18 | 5.22 | 3.81 | 3.89 | 4.35 |
| Common Stock | 462K | 462K | 461K | 416K | 416K | 416K | 348K | 537K | 537K | 536K | 536K | 533K | 529K | 528K | 520K | 516K | 512K | 511K | 511K | 509K | 509K | 506K | 501K | 327K | 315K | 146K | 145K | 100K | 0 | 0 | 0 |
| Additional Paid-in Capital | 622.41M | 623.04M | 624.82M | 494.45M | 495.41M | 494.13M | 278.3M | 279.32M | 277.51M | 276.73M | 278.36M | 262.8M | 254.36M | 252.25M | 239.04M | 231.52M | 225.59M | 214.65M | 213.92M | 208.37M | 206.6M | 204.08M | 198.18M | 186.16M | 162.16M | 151.4M | 150.03M | 148.7M | 0 | 0 | 0 |
| Retained Earnings | 876.13M | 854.17M | 794.53M | 813.01M | 762.76M | 654.73M | 600.64M | 581.82M | 565.71M | 535.13M | 503.54M | 451.61M | 427.13M | 402.99M | 379.17M | 358.08M | 329.67M | 306.79M | 297.85M | 288.11M | 285.42M | 274.58M | 258.24M | 231.77M | 179.06M | 150.26M | 133.77M | 119.1M | 105.2M | 94.7M | 82.9M |
| Accumulated OCI | -33.02M | -31.47M | -45.02M | -91.58M | -94.38M | -6.18M | -5.92M | -5.94M | -6.5M | -3.64M | -5.94M | -8.8M | -8.55M | -4.76M | -9.64M | -9.71M | -6.35M | -5.08M | -11.11M | -17.02M | -22.89M | -18.88M | -17.94M | -14.25M | -10.31M | -7.89M | -19.28M | -18.1M | 0 | 0 | 0 |
| Treasury Stock | -69.79M | -78.34M | -87.2M | -98.02M | -103.12M | -59.19M | -287.34M | -250.75M | -230.05M | -204.56M | -201.83M | -198.25M | -198.97M | -200.52M | -202.58M | -204.44M | -206.55M | -207.88M | -210.47M | -211.12M | -179.01M | -168.58M | -157.26M | -120.09M | -81.49M | -66.8M | -57.5M | -38.2M | 0 | 0 | 0 |
| Preferred Stock | 116.57M | 116.57M | 116.57M | 116.57M | 116.57M | 116.57M | 116.57M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NYC Real Estate Concentration
According to quarterly balance sheet data, DCOM's total assets grew from $13.5 billion in 2024Q1 to $15.0 billion by 2026Q1, a trend largely driven by an increase in the investment securities portfolio rather than aggressive organic loan book expansion in the NYC metropolitan market.
The shift toward a larger securities portfolio suggests a defensive posture, potentially reflecting management's caution regarding the credit risk inherent in the current NYC commercial real estate environment. Investors should monitor whether this asset mix shift is a temporary liquidity management strategy or a long-term pivot away from traditional lending.
Based on reported financial statements, DCOM significantly bolstered its cash and cash equivalents from $370.9 million in 2024Q1 to $2.1 billion in 2026Q1, providing a more robust liquidity cushion to navigate potential deposit outflows within its municipal and commercial client base.
This substantial increase in liquid assets appears to be a prudent response to the inherent volatility of municipal deposits, which are subject to seasonal tax collection cycles. The bank's ability to maintain this liquidity while supporting its loan book suggests a stable funding profile, though it may exert downward pressure on overall asset yields.
As reported in recent filings, DCOM has maintained a consistent equity-to-assets ratio of approximately 0.10 throughout the 2025-2026 period, indicating that the bank is successfully preserving its regulatory capital base despite the ongoing challenges of the NYC regional banking landscape.
The stability of this ratio suggests that management is prioritizing capital preservation over aggressive balance sheet leverage. This conservative capital stance appears appropriate given the idiosyncratic risks associated with the bank's concentrated exposure to rent-regulated multi-family properties in the New York City metropolitan area.
Based on the provided data, the bank's investment securities portfolio has expanded to $12.1 billion as of 2026Q1, representing a significant portion of total assets that warrants further investigation regarding potential duration mismatches and unrealized losses in a higher-for-longer interest rate environment.
While the securities portfolio provides liquidity, its sheer size relative to total assets exposes the bank to interest rate sensitivity that may not be fully captured by headline NIM figures. Investors should monitor the duration of these holdings, as any significant rate volatility could necessitate balance sheet adjustments that might impact future capital adequacy.
Quick answers to the most common questions about buying DCOM stock.
As of 2025, Dime Community Bancshares, Inc. (DCOM) had total assets of $15.34B including $3.21B in current assets.
Dime Community Bancshares, Inc. (DCOM) carries total debt of $370.6M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Dime Community Bancshares, Inc. (DCOM) has total shareholders' equity (book value) of $1.48B ($34.28 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Dime Community Bancshares, Inc. (DCOM) reported a current ratio of 0.25x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.