Dime Community Bancshares, Inc. (DCOM): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Dime Community Bancshares, Inc. (DCOM), uma instituição financeira dinâmica que transforma o banco tradicional por meio de abordagens inovadoras e estratégias focadas na comunidade. Ao elaborar meticulosamente um modelo de negócios que equilibra o serviço personalizado com soluções digitais de ponta, a DCOM se posicionou como um jogador único no cenário bancário competitivo, oferecendo experiências financeiras personalizadas que ressoam com empresas locais, investidores imobiliários e clientes individuais em todo o Área metropolitana de Nova York.

Dime Community Bancshares, Inc. (DCOM) - Modelo de negócios: Parcerias -chave

Aliança estratégica com empresas locais e promotores imobiliários

A partir do quarto trimestre 2023, a Dime Community Bancshares mantém parcerias estratégicas com aproximadamente 250 redes de negócios locais em Nova York e regiões vizinhas.

Categoria de parceria	Número de parceiros	Valor anual de colaboração
Pequenas empresas locais	175	US $ 42,3 milhões
Promotores imobiliários	75	US $ 89,6 milhões

Colaboração com provedores de serviços de tecnologia

A Dime Community Bancshares faz parceria com 7 provedores de serviços de tecnologia primária para soluções bancárias digitais.

• Jack Henry & Associados para os principais sistemas bancários
• Fiserv para processamento de pagamentos
• Salesforce para gerenciamento de relacionamento com clientes
• Microsoft Azure para infraestrutura em nuvem

Parcerias com empresas de seguros e investimentos

Tipo de parceiro	Número de parcerias	Volume anual de referência
Provedores de seguros	12	US $ 18,7 milhões
Empresas de investimento	8	US $ 35,4 milhões

Rede de organizações comunitárias e câmaras de comércio

Em 2023, a Dime Community Bancshares se envolveu ativamente com 45 organizações comunitárias e câmaras de comércio.

• Câmara de Comércio do Brooklyn
• Rainhas Corporação de Desenvolvimento Econômico
• Associação de Long Island
• Conselho de Negócios do Estado de Nova York

Valor da Rede de Parceria Total: Aproximadamente US $ 186 milhões anualmente

Dime Community Bancshares, Inc. (DCOM) - Modelo de negócios: Atividades -chave

Empréstimos comerciais e residenciais

A partir do quarto trimestre 2023, o Dime Community Bancshares relatou:

Categoria de empréstimo	Valor total do portfólio	Crescimento ano a ano
Empréstimos imobiliários comerciais	US $ 6,3 bilhões	5.2%
Empréstimos hipotecários residenciais	US $ 2,1 bilhões	3.7%

Gerenciamento de contas de depósito e poupança

Remoção de portfólio de depósitos:

• Total de depósitos: US $ 9,8 bilhões
• Depósitos de rolamentos não interessantes: US $ 1,5 bilhão
• Contas de corrente portadoras de juros: US $ 3,2 bilhões
• Contas de poupança: US $ 2,6 bilhões
• Contas do mercado monetário: US $ 1,9 bilhão

Desenvolvimento da plataforma bancária digital

Métricas bancárias digitais:

Métrica da plataforma digital	Desempenho atual
Usuários bancários móveis	127,000
Transações bancárias online	3,2 milhões mensais
Taxa de abertura da conta digital	42%

Integração de fusão e aquisição

Detalhes recentes de fusão com Bridge Bancorp:

• Valor total da transação: US $ 1,1 bilhão
• Base de ativos combinada: US $ 14,6 bilhões
• Expansão da rede de filiais: 89 ramificações totais
• Alvo de sinergia de custo: US $ 45 milhões anualmente

Serviços de consultoria financeira e de gerenciamento de patrimônio

Desempenho de gestão de patrimônio:

Categoria de serviço	Ativos sob gestão	Receita
Gestão de patrimônio	US $ 1,3 bilhão	US $ 42,5 milhões
Aviso de investimento	US $ 680 milhões	US $ 22,3 milhões

Dime Community Bancshares, Inc. (DCOM) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional na área metropolitana de Nova York

A partir do quarto trimestre 2023, a Dime Community Bancshares opera 88 filiais localizadas principalmente na área metropolitana de Nova York, especificamente concentradas nos condados do Brooklyn, Queens, Nassau e Suffolk.

Cobertura geográfica	Número de ramificações
Área metropolitana de Nova York	88
Presença do Condado Core	Brooklyn, Queens, Nassau, Suffolk

Equipe de gerenciamento experiente

Composição de liderança em 2024:

• Kevin O'Connor - Presidente e CEO
• Christopher Porzelt - Diretor Financeiro
• PRODIÇÃO EXECUTIVO Média: mais de 15 anos em bancos

Tecnologia Bancária Digital Avançada

Recursos de plataforma bancária digital:

Serviço digital	Disponibilidade
Aplicativo bancário móvel	iOS/Android
Bancos online	Acesso 24/7
Volume de transação digital (2023)	3,2 milhões de transações mensais

Rede abrangente de filiais

Distribuição de ramificação Distribuição:

• Total de ramos: 88
• Locais bancários de varejo: 76
• Centros bancários comerciais: 12

Capital financeiro robusto e reservas

Métrica financeira	Valor (Q4 2023)
Total de ativos	US $ 16,4 bilhões
Patrimônio total	US $ 1,92 bilhão
Índice de capital de camada 1	13.2%
Índice de capital total	14.5%

Dime Community Bancshares, Inc. (DCOM) - Modelo de Negócios: Proposições de Valor

Serviços bancários personalizados para comunidades locais

A partir do quarto trimestre 2023, a Dime Community Bancshares serve comunidades locais com uma presença geográfica focada em Nova York e arredores. O banco opera 84 agências nessas regiões.

Categoria de serviço	Número de ofertas	Alcance do cliente
Produtos bancários pessoais	27	Principalmente área metropolitana de Nova York
Soluções bancárias de negócios	19	Pequenas a médias empresas

Taxas de juros competitivas em empréstimos e depósitos

Em janeiro de 2024, a Dime Community Bancshares oferece taxas competitivas:

• Conta de poupança pessoal: 4,25% APY
• Conta de corrente de negócios: 3,75% de taxa de juros
• Empréstimos imobiliários comerciais: a partir de 7,25%
• Empréstimos para pequenas empresas: a partir de 6,50%

Plataformas bancárias digitais e móveis abrangentes

Serviço digital	Taxa de adoção do usuário	Características
Aplicativo bancário móvel	62% da base de clientes	Pagamento de contas, depósito de cheque móvel, transferências de fundos
Plataforma bancária online	78% da base de clientes	Gerenciamento de contas, declarações, histórico de transações

Abordagem bancária baseada em relacionamento

Em 2023, a Dime Community Bancshares manteve uma taxa média de retenção de clientes de 87% por meio de relacionamentos bancários personalizados.

Soluções financeiras personalizadas para pequenas e médias empresas

A partir do quarto trimestre de 2023, o banco fornece serviços especializados em bancos de negócios:

• Portfólio de empréstimos comerciais totais: US $ 3,2 bilhões
• Tamanho médio de empréstimo para pequenas empresas: US $ 275.000
• Número de clientes bancários de negócios: 4.500
• Especialização da indústria: imóveis, serviços profissionais, assistência médica

Dime Community Bancshares, Inc. (DCOM) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de relacionamento bancário pessoal

A partir do quarto trimestre de 2023, a Dime Community Bancshares relatou 35 filiais de serviço completo na área metropolitana de Nova York. O gerenciamento de relacionamento com o cliente envolve estratégias de interação direta com a abordagem de serviço personalizada.

Segmento de clientes	Abordagem de gerenciamento de relacionamento	Frequência de interação média
Clientes bancários pessoais	Gerenciamento de contas personalizado	4-6 pontos de contato por ano
Clientes bancários de negócios	Gerentes de relacionamento dedicados	8-12 interações anualmente

Suporte ao cliente online e móvel

As plataformas bancárias digitais fornecem canais abrangentes de suporte ao cliente.

• Aplicativo bancário móvel com taxa de satisfação do usuário de 98,2%
• Disponibilidade de atendimento ao cliente digital 24/7
• Tempo médio de resposta da transação digital: 12 minutos

Construção de relacionamento focada na comunidade

A estratégia de envolvimento da comunidade envolve parcerias locais e iniciativas de apoio financeiro.

Categoria de investimento comunitário	Alocação anual
Desenvolvimento da comunidade local	US $ 1,2 milhão
Programas de suporte para pequenas empresas	$750,000

Gerentes de relacionamento dedicados para clientes de negócios

Abordagem especializada em gerenciamento de relacionamento bancário de negócios.

• 154 gerentes de relacionamento de negócios dedicados
• Portfólio médio de clientes: 35-40 Contas de negócios por gerente
• Soluções financeiras personalizadas para empresas intermediárias

Serviços regulares de educação financeira e consultoria

Programas abrangentes de educação financeira para diversos segmentos de clientes.

Tipo de programa educacional	Participantes anuais	Formato do programa
Oficinas de finanças pessoais	2.500 participantes	Pessoalmente e virtual
Seminários de planejamento financeiro de negócios	1.200 participantes	Modelo de entrega híbrida

Dime Community Bancshares, Inc. (DCOM) - Modelo de Negócios: Canais

Rede de ramificação física

No quarto trimestre 2023, a Dime Community Bancshares opera 81 filiais localizadas principalmente na área metropolitana de Nova York.

Região	Número de ramificações
Nova York	52
Long Island	29

Plataforma bancária online

Recursos da plataforma bancária digital:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• Downloads de declaração

Aplicativo bancário móvel

Aplicativo móvel disponível em plataformas iOS e Android com Mais de 45.000 usuários mensais ativos em dezembro de 2023.

Rede ATM

Tipo de atm	Contagem total
Caixas eletrônicos proprietários	62
Caixas eletrônicos de rede	30,000+

Centros de atendimento ao cliente

Horário de operação: Segunda a sexta das 8:00 - 20:00 EST

• Representantes de suporte ao cliente: 125
• Tempo médio de resposta: 3,5 minutos
• Volume anual de chamada: aproximadamente 420.000 chamadas

Dime Community Bancshares, Inc. (DCOM) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre 2023, a Dime Community Bancshares atende a aproximadamente 12.500 clientes comerciais pequenos e médios em toda a área metropolitana de Nova York.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	4,750	$375,000
Serviços profissionais	3,250	$425,000
Startups de tecnologia	1,500	$250,000

Clientes residenciais locais

A Dime Community Bancshares atende a 85.600 clientes bancários residenciais locais principalmente nas regiões do Brooklyn, Queens e Long Island.

• Portfólio de hipotecas: US $ 2,3 bilhões
• Valor médio do empréstimo residencial: US $ 425.000
• Linhas de crédito para capital doméstico: 22.500 clientes

Investidores imobiliários comerciais

O portfólio imobiliário comercial totaliza US $ 4,7 bilhões em dezembro de 2023.

Tipo de propriedade	Investimento total	Número de investidores
Residencial multifamiliar	US $ 2,1 bilhões	850
Edifícios de escritórios	US $ 1,3 bilhão	350
Espaços de varejo	US $ 850 milhões	250

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 145.000 a partir do quarto trimestre 2023.

• Contas de corrente: 92.500
• Contas de poupança: 68.000
• Saldo médio da conta: US $ 22.750

Indivíduos de alta rede

O segmento bancário privado atende a 3.750 clientes de alta rede com ativos acima de US $ 1 milhão.

Nível de riqueza	Número de clientes	Ativos gerenciados médios
$ 1m - US $ 5m	2,850	US $ 2,3 milhões
US $ 5 milhões - US $ 10 milhões	650	US $ 6,5 milhões
US $ 10 milhões+	250	US $ 18,7 milhões

Dime Community Bancshares, Inc. (DCOM) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

Até o relatório anual de 2022, a Dime Community Bancshares registrou despesas totais de remuneração de US $ 120,4 milhões.

Categoria de despesa	Quantidade (em milhões)
Salários	$85.6
Benefícios dos funcionários	$34.8

Manutenção de tecnologia e infraestrutura

Os custos de tecnologia e infraestrutura para o banco em 2022 totalizaram aproximadamente US $ 42,3 milhões.

• Investimento de infraestrutura de TI: US $ 22,7 milhões
• Despesas de segurança cibernética: US $ 9,5 milhões
• Licenciamento e manutenção de software: US $ 10,1 milhões

Despesas de operação de ramificação

As despesas totais relacionadas à filial em 2022 foram de US $ 65,2 milhões.

Categoria de despesa de ramificação	Quantidade (em milhões)
Aluguel e instalações	$28.6
Utilitários	$12.4
Manutenção	$24.2

Custos de marketing e aquisição de clientes

As despesas de marketing de 2022 totalizaram US $ 18,7 milhões.

• Marketing Digital: US $ 7,3 milhões
• Publicidade tradicional: US $ 6,9 milhões
• Programas de aquisição de clientes: US $ 4,5 milhões

Despesas de conformidade regulatória

Os custos relacionados à conformidade para 2022 foram de US $ 37,5 milhões.

Categoria de despesa de conformidade	Quantidade (em milhões)
Relatórios legais e regulatórios	$15.2
Pessoal de conformidade	$12.8
Auditoria e gerenciamento de riscos	$9.5

Dime Community Bancshares, Inc. (DCOM) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a Dime Community Bancshares registrou receita total de juros de US $ 357,4 milhões. A quebra da carteira de empréstimos foi a seguinte:

Categoria de empréstimo	Balanço total	Receita de juros
Imóveis comerciais	US $ 6,2 bilhões	US $ 221,3 milhões
Hipoteca residencial	US $ 2,8 bilhões	US $ 89,6 milhões
Comercial & Empréstimos industriais	US $ 1,5 bilhão	US $ 46,5 milhões

Taxas bancárias e cobranças de serviço

As taxas bancárias e as taxas de serviço de 2023 totalizaram US $ 42,6 milhões, com a seguinte quebra:

• Taxas de manutenção de conta: US $ 18,2 milhões
• Taxas de transação: US $ 14,3 milhões
• Taxas de cheque especial: US $ 7,5 milhões
• Outras cobranças de serviço: US $ 2,6 milhões

Serviços de investimento e gerenciamento de patrimônio

A receita dos serviços de investimento e gerenciamento de patrimônio em 2023 atingiu US $ 24,7 milhões, incluindo:

Serviço	Receita
Gestão de ativos	US $ 15,3 milhões
Aviso financeiro	US $ 6,9 milhões
Serviços de corretagem	US $ 2,5 milhões

Taxas de originação hipotecária

As taxas de originação hipotecária para 2023 totalizaram US $ 17,2 milhões, com a seguinte distribuição:

• Origenas da hipoteca residencial: US $ 12,5 milhões
• Origenas de hipotecas comerciais: US $ 4,7 milhões

Serviços de Gerenciamento do Tesouro

Os serviços de gerenciamento do Tesouro geraram US $ 11,3 milhões em receita durante 2023:

Tipo de serviço	Receita
Gerenciamento de caixa	US $ 6,8 milhões
Processamento de pagamento	US $ 3,2 milhões
Serviços de liquidez	US $ 1,3 milhão

Dime Community Bancshares, Inc. (DCOM) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose Dime Community Bancshares, Inc. over other options in the New York market as of late 2025. It's about blending deep local roots with serious commercial muscle.

Hyperlocal and high-touch relationship banking model.

Dime Community Bancshares, Inc. anchors its value in being the local expert. They hold the number one deposit market share among community banks on Greater Long Island, which covers Kings, Queens, Nassau, and Suffolk counties. This local focus is supported by strong funding growth; core deposits increased by $971.9 million year-over-year as of the third quarter of 2025. The commitment to physical presence and personal service is clear in their expansion plans, including a new branch opening in Manhattan in the fourth quarter of 2025, plus planned locations in Lakewood, New Jersey, and North Shore Long Island in early 2026.

Expertise in New York commercial real estate and business lending.

The bank's commercial engine is running hot, focusing on building out a diversified loan book. This expertise is demonstrated by significant loan growth and a clear focus on managing their concentration risk. Here's a snapshot of the commercial activity through the third quarter of 2025:

Metric	Value (Q3 2025)	Context
Business Loan Growth (QoQ)	$160.5 million	Linked quarter growth
Business Loan Growth (YoY)	$409.1 million	Year-over-year growth
Total Loan Originations (including lines)	$535 million	Q3 2025 total originations
Weighted Avg. Rate on New Loans	6.95%	New originations and lines
CRE Concentration Ratio	401%	Ratio to total capital as of Q3 2025

That CRE concentration ratio of 401% is a key figure; management is actively working to bring that down toward or below 400%, which unlocks further capital deployment flexibility.

Seamless blend of digital convenience and expert, personalized service.

While the relationship model is key, efficiency and modern access are non-negotiable for today's client. Dime Community Bancshares, Inc. has been driving operational improvements to support this blend. The efficiency ratio improved to 53.8% for the third quarter of 2025, down from 65.9% in the third quarter of 2024. This operational discipline helps fund the expert teams you interact with daily.

The value proposition here is:

• Personalized service from relationship managers.
• Improved operating efficiency of 53.8%.
• Strong core deposit base supporting liquidity.
• Loan pipelines remaining robust at $1.2 billion.

Financial stability with a Common Equity Tier 1 Ratio over 11.5%.

A bank's capital strength is its ultimate promise to the customer. Dime Community Bancshares, Inc. maintains what management calls 'best-in-class capital ratios' versus local peers. You can see this strength in the key regulatory metrics reported for the end of the third quarter of 2025:

The Common Equity Tier 1 Ratio increased to 11.53%. Also, the Total Capital Ratio stands at over 16%. This robust capital position is a competitive advantage that allows them to service a growing customer base and pursue opportunities.

Customized credit solutions for mid-corporate and specialty finance.

Beyond traditional commercial real estate, Dime Community Bancshares, Inc. is actively diversifying its lending book by building out specific verticals. This means they can offer more tailored credit solutions to businesses that don't fit the standard mold. They have strategically hired senior executives to lead these specialized areas:

• Co-Heads for the Mid Corporate vertical.
• A dedicated Head of Syndications.
• Senior VPs focused on Specialty Finance.

This focus builds on earlier strategic moves, including expansion into lender finance and fund finance, giving you access to a broader set of credit tools. Finance: draft 13-week cash view by Friday.

Dime Community Bancshares, Inc. (DCOM) - Canvas Business Model: Customer Relationships

You're looking at how Dime Community Bancshares, Inc. keeps its clients close, which for a community bank means showing up and hiring the right people. The relationship focus is clear in their recent commercial team build-out.

Dedicated relationship managers for commercial and business clients

Dime Community Bancshares, Inc. actively expanded its commercial lending platform in late 2025 by adding seasoned banking professionals. This effort signals a direct investment in high-touch commercial relationships. For example, in September 2025, they brought on Ryan Kent as Director of Commercial Strategic Initiatives and Elvis Grgurovic as Co-Head of the Mid Corporate vertical. Also, Dan Fosina was hired to spearhead the New Jersey Middle Market expansion efforts. This hiring strategy supports the goal of building a diversified commercial loan portfolio. The bank's business loans grew by over $160 million in the third quarter of 2025 alone. The President and CEO, Stuart H. Lubow, stated the hires align with the focus on building this diversified portfolio and positioning Dime as a client-focused institution.

The commitment to dedicated relationship support is seen in the team structure:

• Business Development Relationship Managers are in place, such as Aisha Umar and Nana Elisha.
• Senior leadership was added, like Thomas Geisel as Senior Executive Vice President and Chief Commercial Officer.
• The team includes specialized roles like Eric Pelletier as Head of Syndications.

High-touch, in-person service at the branch network

The physical presence remains central to the in-person service model. Dime Community Bank, headquartered in Hauppauge, NY, operates a network that spans Montauk to Manhattan. As of a recent report, the Bank has 59 locations, including branches, which serve as vital touchpoints for consumers and local businesses. The bank is executing on a strategy to selectively add new geographies, with plans to open a new branch in Manhattan in the fourth quarter of 2025. Furthermore, they secured approval to open a new branch in Lakewood, New Jersey, with construction planned to start in the second half of 2025. This physical network supports their emphasis on relationship banking and local decision-making. The efficiency ratio for the second quarter of 2025 was 55.0%, suggesting operational focus while maintaining service delivery.

Here's a quick look at the scale supporting these relationships:

Metric	Value (as of late 2025)	Context/Date
Total Assets	Over $14 billion	As of late 2025 context
Period End Total Deposits	$11.74 billion	As of June 30, 2025
Branch Locations	59	Baseline count
Q3 2025 Business Loan Growth	Over $160 million	Quarter ended September 30, 2025
Manhattan Branch Opening	Q4 2025	Planned

Community-focused engagement through local sponsorships and grants

Community engagement is a tangible expression of the relationship strategy, often demonstrated through financial support for local initiatives. Dime Community Bancshares, Inc. has a rich tradition of supporting programs promoting local business, education, healthcare, and social services. In late 2025, this translated into specific actions. On December 2, 2025, Dime announced a grant to Transitional Services for Long Island (TSLI) to support housing and support services in Suffolk County. Also, a grant was awarded to Long Island Cares on November 21, 2025. A past Community Reinvestment Act (CRA) Performance Evaluation noted the bank had an excellent level of qualified community development investments and grants, often in a leadership position. This consistent support builds goodwill within the assessment area, which includes Nassau and Suffolk Counties.

Personalized digital communication via segmented email marketing

While the search results focus heavily on physical and commercial relationship hires, the underlying operational data suggests a foundation for personalized digital contact. The bank reported that the ratio of average non-interest-bearing deposits to average total deposits for the second quarter of 2025 was 30%. This metric indicates a segment of the deposit base that relies on transactional banking services, which are often managed through digital channels. The core deposit base increased by $1.21 billion year-over-year as of June 30, 2025, representing a significant group for targeted digital outreach regarding product enhancements or service updates. The company's core EPS for Q3 2025 was $0.61, showing profitability that supports investment in digital infrastructure for better segmentation.

The focus on core deposit growth provides a base for digital segmentation:

• Core Deposits grew by $1.21 billion year-over-year (Q2 2025).
• Non-interest-bearing deposits were 30% of average total deposits (Q2 2025).
• Core EPS was $0.61 in Q3 2025.

Finance: draft 13-week cash view by Friday.

Dime Community Bancshares, Inc. (DCOM) - Canvas Business Model: Channels

You're looking at how Dime Community Bancshares, Inc. reaches its customers and delivers its value proposition as of late 2025. It's a mix of old-school presence and targeted talent acquisition.

Physical branch locations across New York and expanding into New Jersey.

Dime Community Bancshares, Inc., the holding company for Dime Community Bank, operates with over $14 billion in assets. The bank maintains its primary footprint in New York, where it claims the number one deposit market share among community banks on Greater Long Island. A key channel development is the planned expansion into New Jersey. Dime received approval from the New Jersey Department of Banking and Insurance to open a branch in Lakewood, New Jersey, at 500 Boulevard of Americas. Construction for this location is slated to begin in the second half of 2025, with an opening targeted for early 2026. This Lakewood location is intended to be the first office outside of New York, serving as a 'jumping-off point' for further regional growth.

Direct sales force of newly-hired deposit and commercial lending teams.

The direct sales channel has seen significant investment through strategic hiring, particularly in commercial lending to build a diversified commercial loan portfolio. In September 2025 alone, Dime announced the addition of five seasoned banking professionals to its commercial lending platform. This followed other key hires earlier in the year, such as Tom Geisel joining the Senior Executive Leadership Team and Jim LoGatto being hired to build the bank's presence in Manhattan in the first quarter of 2025. These personnel additions are a direct channel mechanism to scale the platform and deliver customized credit solutions.

The effectiveness of these channels, both physical and direct sales, is reflected in the bank's financial performance, especially in loan growth:

Metric	Period End/Reported Date	Value
Total Deposits	March 31, 2025	$11.61 billion
Year-over-Year Core Deposit Increase	Q1 2025	$1.35 billion
Business Loans Growth (Linked Quarter)	Q3 2025	$160.5 million
Net Interest Margin (NIM)	Q3 2025	3.01%
Loan to Deposit Ratio	Q3 2025 End	88.9%
Reported Revenue	Q3 2025	$115.61 million

Digital banking platforms for retail and commercial clients.

Dime Community Bancshares, Inc. supports its client base through digital banking platforms for both retail and commercial users. While specific adoption rates or transaction volumes for these platforms are not detailed in recent public releases, the bank's focus on deposit growth, including a $1.35 billion year-over-year increase in core deposits as of Q1 2025, suggests the digital channel is a significant component of customer acquisition and retention. The bank's efficiency ratio improved to 53.8% in Q3 2025 from 55.0% in the prior quarter, which often reflects effective management of non-branch-based service delivery.

The bank's channel strategy also includes digital outreach:

• Targeted digital advertising on platforms like LinkedIn and Google.
• Content marketing efforts to support commercial lending team outreach.
• Focus on enhancing the digital experience to support strong core deposit growth.

The bank reported a non-GAAP efficiency ratio of 53.8% for the third quarter of 2025.

Dime Community Bancshares, Inc. (DCOM) - Canvas Business Model: Customer Segments

You're looking at how Dime Community Bancshares, Inc. (DCOM) segments its client base as of late 2025, which reflects a clear strategic pivot toward higher-value commercial relationships while maintaining a strong local funding foundation. The bank's total assets stood at approximately $14.54 billion as of the third quarter of 2025, showing expanded scale in its target markets.

The customer base is clearly segmented to support the ongoing balance sheet diversification plan, moving away from a heavy reliance on one type of real estate lending toward broader commercial services.

• Small to mid-sized businesses (SMEs) in the New York metro area.
• Commercial real estate (CRE) investors and developers.
• Affluent local residents and high-net-worth individuals.
• Mid-corporate and specialty finance clients.

The focus on Small to mid-sized businesses (SMEs) in the New York metro area is evident in the growth of the Business Loans category, which the company defines as Commercial & Industrial (C&I) and Owner-Occupied CRE loans. This segment is critical for deposit generation, as the company emphasizes that business loans are accompanied by a greater level of associated deposits. The bank has a strong local presence, holding the number one deposit market share among community banks on Greater Long Island (Kings, Queens, Nassau & Suffolk counties).

For Commercial real estate (CRE) investors and developers, the strategy involves a targeted reduction in the overall CRE concentration, specifically Multifamily loans, while still servicing that market. As of September 30, 2025, Multifamily loans represented 33% of the total loan portfolio, down from 62% at the end of 2016. This shift supports the growth in other areas, though owner-occupied CRE remains part of the Business Loans segment.

The segment serving Affluent local residents and high-net-worth individuals is the engine for the bank's funding profile. Dime Community Bancshares, Inc. has been aggressively building its low-cost funding base, which is key to profitability. Core deposits were up $1 billion year-over-year as of the third quarter of 2025. Furthermore, deposit teams hired since 2023 grew their portfolios to approximately $2.6 billion by the third quarter of 2025. The bank's Cost of Total Deposits was 2.09% in the third quarter of 2025, which is well below the local peer median, indicating success in attracting stable, lower-cost funds, often associated with retail and local business customers. Total deposits at the end of the first quarter of 2025 were $11.61 billion.

The push into Mid-corporate and specialty finance clients is a newer, deliberate focus area, evidenced by recent executive hires and vertical launches. The company launched a Mid-Corporate Vertical in the third quarter of 2025. This follows the hiring of an Executive Vice President of Corporate and Specialty Finance in the second quarter of 2025. This strategic hiring and vertical creation are designed to diversify the loan mix toward higher-yielding assets.

Here's a quick look at how the loan portfolio mix reflects this customer focus shift as of September 30, 2025, compared to the legacy mix:

Loan Category	Percentage of Total Loans (9/30/25)	Percentage of Total Loans (12/31/16)
Multifamily	33%	62%
Business Loans (C&I and Owner-Occupied CRE)	29%	13%

The growth in Business Loans was $409.1 million on a year-over-year basis as of the third quarter of 2025. This data shows you the tangible results of targeting the commercial segments mentioned in the outline.

Dime Community Bancshares, Inc. (DCOM) - Canvas Business Model: Cost Structure

You're looking at the expenses Dime Community Bancshares, Inc. (DCOM) is managing as it executes its growth strategy. The cost structure is heavily influenced by funding costs, personnel investments for expansion, and necessary operating overhead for the physical and digital footprint.

Interest expense on deposits and borrowings remains a key cost component. While the Cost of Total Deposits was reported at 2.09% in the third quarter of 2025, unchanged from the second quarter, the bank has been actively managing this. To illustrate the focus on funding costs, Dime Community Bancshares proactively reduced a higher cost municipal relationship by approximately $125 million in the second quarter of 2025, signaling an effort to optimize the cost of funds, even if the overall deposit rate was flat quarter-over-quarter in Q3.

Personnel expenses reflect the investment in growth, specifically in commercial banking and deposit gathering. The increase in non-interest expense year-over-year is directly linked to significant hires made to execute the growth plan. For instance, core cash operating expenses for the third quarter of 2025 came in at $61.9 million, which was marginally above the prior guidance of $61.5 million for the quarter, specifically due to the additional hires in the third quarter.

Regarding the full-year outlook, the expected core cash non-interest expense for 2025 was guided between $236.5 million to $237.5 million. However, the actual quarterly results show an upward trend in adjusted non-interest expense as hiring progressed:

Expense Metric (Adjusted Non-Interest Expense, excluding certain items)	Q1 2025 (USD Millions)	Q2 2025 (USD Millions)	Q3 2025 (USD Millions)
Adjusted Non-Interest Expense	$58.0	$59.9	$62.0

The Provision for Credit Losses (PCL) is a variable cost tied to credit quality. Dime Community Bancshares recorded a PCL of $13.3 million during the third quarter of 2025. This compares to a provision of $9.2 million in the second quarter of 2025 and $11.6 million in the third quarter of 2024. Following this, management indicated a target to gradually build the allowance for credit losses to a reserve level of 0.90% to 1% going forward.

Operating costs for the physical branch network and technology infrastructure are embedded within the total non-interest expense structure. The overall non-interest expense for the third quarter of 2025 was $62.2 million, with the adjusted figure being $62.0 million. The efficiency ratio improved to 53.8% for the third quarter of 2025, down from 55.0% in the linked quarter, showing better absorption of these fixed and semi-fixed costs against growing revenue.

Here are the key expense components for the third quarter of 2025:

• Provision for Credit Losses: $13.3 million.
• Total Non-Interest Expense (GAAP): $62.2 million.
• Adjusted Non-Interest Expense (Non-GAAP): $62.0 million.
• Cost of Total Deposits (Rate): 2.09%.
• Q3 2025 Core Cash Operating Expenses (Actual): $61.9 million.
• Q4 2025 Core Cash Operating Expense (Guidance): ~$63 million.

Finance: draft 13-week cash view by Friday.

Dime Community Bancshares, Inc. (DCOM) - Canvas Business Model: Revenue Streams

The revenue streams for Dime Community Bancshares, Inc. (DCOM) are fundamentally driven by traditional banking activities, heavily weighted toward interest income generated from its lending and securities portfolios.

Net Interest Income (NII) remains the core engine, reported at $103.4 million for the third quarter of 2025. This figure represents the interest earned on loans and the securities portfolio, less the interest paid on deposits and borrowings. The quality of this stream is reflected in the Net Interest Margin (NIM), which reached 3.01% in Q3 2025, marking the sixth consecutive quarter of expansion. Management anticipates continued NIM expansion into the fourth quarter following a mid-September Federal Reserve rate cut.

Non-interest income contributed $12.2 million in Q3 2025. This stream encompasses service charges, various fees, and income from treasury management products. It is important to note that the Q3 2025 figure included a one-time benefit of $1.5 million related to a fraud recovery. Excluding this non-recurring item, the run-rate guidance for future quarters is set between $10.0 million and $10.5 million.

Activity in loan origination feeds future interest income and can generate immediate fee revenue, though specific fee amounts are not detailed separately from total non-interest income. Total loan originations, including new lines of credit, reached $535.6 million in the third quarter of 2025, with a weighted average rate of approximately 6.95% on these new volumes. The current loan pipeline stands at $1.2 billion, carrying a weighted average rate between 6.56% and 6.75%. The weighted average rate (WAR) on the total loan portfolio held for investment was 5.37% as of September 30, 2025.

Here's a breakdown of the primary revenue components for Dime Community Bancshares, Inc. in Q3 2025:

Revenue Component	Q3 2025 Amount (Millions USD)	Context/Detail
Net Interest Income (NII)	$103.4	Interest earned on loans and securities, net of deposit costs
Non-Interest Income	$12.2	Includes service charges, fees, and a one-time fraud recovery of $1.5 million
Total Reported Revenue	$115.6	NII plus Non-Interest Income (based on $115.6 million total revenue figure)
Net Interest Margin (NIM)	3.01%	Metric reflecting core lending profitability
New Loan Originations (Volume)	$535.6	Total originations including new lines of credit for the quarter

The revenue structure is supported by several key operational metrics:

• Net Interest Margin (NIM) expansion to 3.01% in Q3 2025.
• Loan origination volume of $535.6 million in Q3 2025.
• Weighted average rate on new originations at approximately 6.95%.
• Core deposits growth of $1 billion year-over-year, reaching approximately $2.6 billion in deposit portfolios.
• Projected Q4 non-interest income run-rate of $10.0 million to $10.5 million, excluding one-time items.