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Dime Community Bank

IDRSSD: 23504
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #23504 2024-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.72% of loans.

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +2
66
Sub-score

Liquidity is stable: brokered 7.1%, loans/deposits 97.2%, cash 3.0% of assets.

Cash / Assets
3.04%
Loans / Deposits
97.25%
Brokered %
7.05%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.81%
No watch items at this period.

Capitalization

StrongQoQ 0
91
Sub-score

Capital position is strong: Tier 1 RBC 13.36%, CET1 13.36%, leverage 10.39%.

Tier 1 RBC
13.36%
CET1
13.36%
Leverage
10.39%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.37%, Texas Ratio 2.7%, NCO YTD 0.13%.

Adjusted NPL
0.37%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.13%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +2
55
Sub-score

Reserves are deteriorating: ALLL 0.72% of loans, coverage 196.5%, true coverage 61.0%.

ALLL / Loans
0.72%
Coverage
196.5%
True Loss Coverage
61.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.72% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:56:06 UTC