Dime Community Bancshares (NASDAQ: DCOM) is a New York-based bank holding company that provides commercial and consumer banking services through its wholly-owned subsidiary, Dime Community Bank. The Bank was established in 1910 and is headquartered in Hauppauge, New York. The company was incorporated under the laws of the State of New York in 1988 to serve as the holding company for the Bank. Revenue is generated primarily through interest income on loans, funded by deposits accepted from businesses, consumers, and local municipalities. The loan portfolio is concentrated in commercial real estate loans, multi-family mortgage loans, residential mortgage loans, and secured and unsecured commercial loans. Dime Abstract LLC, a wholly-owned subsidiary of the Bank, brokers title insurance services as an ancillary line. The Bank operates in its defined market area, maintaining a focus on local relationship banking built over more than a century of operation.

Revenue model

Interest income on a loan portfolio weighted toward commercial real estate, multi-family mortgage, residential mortgage, and commercial loans, funded by time, savings, and demand deposits from businesses, consumers, and local municipalities. Ancillary fee income includes title insurance brokerage through Dime Abstract LLC.

Products and services

Full-service commercial and consumer banking, including deposit accounts (time, savings, demand), commercial real estate loans, multi-family mortgage loans, residential mortgage loans, secured and unsecured commercial loans, and title insurance brokerage services via Dime Abstract LLC.

Customers and end markets

Businesses, individual consumers, and local municipalities in Dime Community Bank's market area. End markets include commercial real estate, residential real estate, and local municipal banking.

Value-chain role

Community bank holding company and deposit-taking lender; originates and holds loans funded by local deposits and borrowings.

Geographic exposure

New York State market area, headquartered in Hauppauge, New York (as of 10-K filed 2026-02-20).

Source: SEC 10-K, filed 2026-02-20

Industry: National Commercial Banks Peers: 1st Source Corp Bancorp Inc Beacon Financial Corp First Busey Corp First Commonwealth Financial Corp National Bank Holdings Corp OceanFirst Financial Corp PNC Financial Services Group Inc S&T Bancorp Inc Southside Bancshares Inc