Revenue: As of FY2025 Q4, the actual value is USD 123.78 M.

EPS: As of FY2025 Q4, the actual value is USD 0.68.

EBIT: As of FY2025 Q4, the actual value is USD -53.57 M.

Net Income Available to Common Stockholders

Net income available to common stockholders for Dime Community Bancshares, Inc. was $103.4 million for the year ended December 31, 2025, compared to $21.8 million for the year ended December 31, 2024 . For the quarter ended December 31, 2025, net income available to common stockholders was $30.0 million, compared to $25.8 million for the quarter ended September 30, 2025, and a net loss of - $22.2 million for the quarter ended December 31, 2024 .

Adjusted Net Income Available to Common Stockholders (Non-GAAP)

Adjusted net income available to common stockholders was $34.5 million for the quarter ended December 31, 2025 .

Total Revenue

Total fourth quarter revenue for Dime Community Bancshares, Inc. was a record $124 million .

Deposits

Total deposits increased by $1.16 billion on a year-over-year basis, while core deposits (excluding brokered and time deposits) increased by $1.26 billion on a year-over-year basis . The ratio of average non-interest-bearing deposits to average total deposits for the fourth quarter of 2025 increased to 30.5% compared to 29.9% for the prior quarter . Period end total deposits at December 31, 2025, were $12.84 billion, compared to $12.06 billion at September 30, 2025, and $11.69 billion at December 31, 2024 . Brokered deposits were $200.0 million at December 31, 2025, unchanged from September 30, 2025, and down from $422.8 million at December 31, 2024 .

Business Loans

Business loans grew $177.9 million on a linked quarter basis and $514.0 million on a year-over-year basis .

Net Interest Margin

The net interest margin increased to 3.11% for the fourth quarter of 2025, compared to 3.01% for the prior quarter and 2.79% for the fourth quarter of 2024 .

Efficiency Ratio

The efficiency ratio decreased to 52.6% for the fourth quarter of 2025, compared to 53.8% for the linked quarter and 105.9% for the fourth quarter of 2024 .

Adjusted Efficiency Ratio (Non-GAAP)

The adjusted efficiency ratio decreased to 50.3% for the fourth quarter of 2025, compared to 53.1% for the prior quarter and 58.0% for the fourth quarter of 2024 .

Common Equity Tier 1 Ratio

The Company’s Common Equity Tier 1 Ratio increased to 11.66% at the end of the fourth quarter of 2025 .

Consolidated CRE Concentration Ratio

The Company’s Consolidated CRE Concentration ratio was proactively managed lower to 387% .

Non-Performing Assets (NPAs)

Non-performing assets declined by 27% on a linked quarter basis and represent 0.34% of Total Assets . Total NPAs were $52.762 million at December 31, 2025, compared to $72.054 million at September 30, 2025, and $49.479 million at December 31, 2024 .

Net Interest Income

Net interest income for the fourth quarter of 2025 was $112.3 million, compared to $103.4 million for the third quarter of 2025, and $91.1 million for the fourth quarter of 2024 .

Loan Portfolio

The ending weighted average rate (“WAR”) on the total loan portfolio was 5.27% at December 31, 2025, a 10 basis point decrease compared to 5.37% at September 30, 2025 . Loans held for investment at December 31, 2025, included Business loans at $3,240.6 million (WAR 6.32%), One-to-four family residential and coop/condo apartment at $1,036.0 million (WAR 4.94%), Multifamily residential and residential mixed-use at $3,424.6 million (WAR 4.46%), Non-owner-occupied commercial real estate at $2,933.3 million (WAR 5.07%), Acquisition, development, and construction at $117.2 million (WAR 7.51%), and Other loans at $6.6 million (WAR 11.09%) .

Loan Originations

Originations excluding new lines of credit were $225.3 million in Q4 2025, compared to $170.6 million in Q3 2025 and $187.5 million in Q4 2024 . Originations including new lines of credit were $467.2 million in Q4 2025, compared to $535.6 million in Q3 2025 and $361.2 million in Q4 2024 .

Non-Interest Income

Non-interest income was $11.5 million during the fourth quarter of 2025, $12.2 million during the third quarter of 2025, and a loss of - $33.9 million during the fourth quarter of 2024 . The Q4 2024 results included - $42.8 million of pre-tax loss-on-sale of securities related to portfolio re-positioning .

Total Non-Interest Expense

Total non-interest expense was $65.1 million during the fourth quarter of 2025, $62.2 million during the third quarter of 2025, and $60.6 million during the fourth quarter of 2024 .

Adjusted Non-Interest Expense (Non-GAAP)

Adjusted non-interest expense was $62.3 million during the fourth quarter of 2025, $62.0 million during the third quarter of 2025, and $57.7 million during the fourth quarter of 2024 .

Income Tax Expense

Income tax expense was $16.0 million during the fourth quarter of 2025, $12.4 million during the third quarter of 2025, and $3.3 million during the fourth quarter of 2024 . The fourth quarter of 2025 included $2.7 million of net expense from discrete items related to an uncertain tax position and a deferred tax item from prior tax years . The effective tax rate for Q4 2025 was 27.8%, excluding discrete items .

Credit Loss Provision

A credit loss provision of $10.9 million was recorded during the fourth quarter of 2025, compared to $13.3 million during the third quarter of 2025, and $13.7 million during the fourth quarter of 2024 .

Stockholders’ Equity

Stockholders’ equity increased $23.4 million to $1.48 billion at December 31, 2025, compared to $1.45 billion at September 30, 2025 .

Non-Performing Loans (NPLs)

NPLs were $52.3 million at December 31, 2025, compared to $72.1 million at September 30, 2025, and $49.5 million at December 31, 2024 .

Net Loan Charge-Offs (NCOs)

NCOs were $7.271 million in Q4 2025, compared to $12.586 million in Q3 2025, and $10.611 million in Q4 2024 . NCOs to average loans (annualized) were 0.27% in Q4 2025, 0.47% in Q3 2025, and 0.39% in Q4 2024 .

Dividends per Common Share

Dividends per common share were $0.25 during the fourth quarter of 2025 and $0.25 for the third quarter of 2025 .

Book Value per Common Share

Book value per common share was $30.99 at December 31, 2025, compared to $30.44 at September 30, 2025 .

Tangible Common Book Value per Share (Non-GAAP)

Tangible common book value per share was $27.37 at December 31, 2025, compared to $26.81 at September 30, 2025 .

Performance Ratios (Based upon Reported Net Income)

Return on average assets was 0.84% in Q4 2025, 0.77% in Q3 2025, and -0.59% in Q4 2024 . Return on average equity was 8.60% in Q4 2025, 7.59% in Q3 2025, and -6.02% in Q4 2024 . The loan-to-deposit ratio at the end of the period was 83.8% in Q4 2025, 88.9% in Q3 2025, and 93.0% in Q4 2024 .

Capital Ratios and Reserves (Consolidated)

Tangible common equity to tangible assets was 7.91% in Q4 2025, 8.18% in Q3 2025, and 7.89% in Q4 2024 . The Tier 1 risk-based capital ratio was 12.76% in Q4 2025, 12.64% in Q3 2025, and 12.17% in Q4 2024 . The Allowance for credit losses to Total loans was 0.91% in Q4 2025, 0.88% in Q3 2025, and 0.82% in Q4 2024 . The Allowance for credit losses to Non-performing loans was 186.14% in Q4 2025, 130.54% in Q3 2025, and 179.37% in Q4 2024 .

Outlook / Guidance

Dime Community Bancshares, Inc. anticipates continued revenue growth in the years ahead due to a significant loan repricing opportunity extending through 2027 . The Company expects growth in core deposits and business loans to benefit them as they continue to grow customers and hire productive bankers . Their substantial liquidity position, including $2.35 billion of cash, provides flexibility to be opportunistic and take advantage of lending opportunities .