Mark Fitzgibbon

Matthew Breese

Manuel Navas

Christopher O'Connell

Stephen Moss

Steve Moss

David Konrad

Thomas Reid

- Dime Community Bancshares Inc. (DCOM) reported strong Q3 2025 results, with **core pre-tax, pre-provision income of $54.4 million** and **core EPS of $0.61 per share**, marking a 110% year-over-year increase.  **[0000846617_2201249_1]** **[0000846617_2201249_3]**  The Net Interest Margin (NIM) rose for the sixth consecutive quarter to **3.01%**.  **[0000846617_2201249_1]** **[0000846617_2201249_3]** 
- The company achieved significant growth in **business loans, up over $160 million** in Q3 2025, and **total deposits, up approximately $320 million** linked quarter.  **[0000846617_2201249_1]** **[0000846617_2201249_3]**  Credit quality improved, with **criticized loans down $30 million** and non-performing assets at **50 basis points** of total assets.  **[0000846617_2201249_1]** **[0000846617_2201249_3]** 
- DCOM anticipates further **NIM expansion** in Q4 2025 and beyond, driven by substantial loan repricing opportunities of **$1.35 billion in 2026** and **$1.7 billion in 2027**.  **[0000846617_2201249_3]**  With strong capital ratios (Common Equity Tier 1 over **11.5%**), the company is now considering stock repurchases.  **[0000846617_2201249_3]** **[0000846617_2201249_9]**

Dime Community Bancshares Reports Strong Q3 2025 Earnings and Anticipates Further NIM Expansion

- Dime Community Bancshares reported **Q3 2025 core EPS of $0.61 per share**, representing a **110% year-over-year increase**, and **pre-tax, pre-provision income of $54.4 million**.  **[0000846617_2201272_1]** **[0000846617_2201272_3]**  The reported Net Interest Margin (NIM) increased to **3.01%**.  **[0000846617_2201272_3]** 
- The company anticipates **more substantial NIM expansion in Q4 2025** and beyond, driven by a **10 basis point increase in the spread between loans and deposits** following a September Fed rate cut, and significant loan repricing opportunities totaling **$1.35 billion in 2026** and **$1.7 billion in 2027**.  **[0000846617_2201272_1]** **[0000846617_2201272_3]** 
- Total deposits grew by approximately **$320 million** in Q3 2025, and the company maintains strong capital ratios with a **common equity tier 1 ratio over 11.5%** and a **total capital ratio over 16%**.  **[0000846617_2201272_3]** 
- Non-performing assets (NPAs) remained low at **50 basis points of total assets**, and criticized loans decreased by approximately **$30 million** linked quarter.  **[0000846617_2201272_1]** **[0000846617_2201272_3]**  Core cash operating expenses are projected to be around **$63 million** for Q4 2025.  **[0000846617_2201272_4]**

Dime Community Bancshares Reports Strong Q3 2025 Earnings and Forecasts Significant NIM Expansion

Dime Community Bancshares, Inc. /NY/ (DCOM)