---
schema_version: "secwatch.filing_event.v1"
accession: "0000846617-25-000006"
form_type: "8-K"
ticker: "DCOM"
cik: "0000846617"
company_name: "Dime Community Bancshares, Inc. /NY/"
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T17:56:20.910120+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Dime Q4 GAAP loss $22.2M (-$0.54/sh); adjusted EPS $0.42; NIM expands to 2.79%

## Summary
- Q4 net loss available to common $22.2M ($0.54 diluted EPS) vs $11.5M income ($0.29) in Q3; full-year EPS $0.55 down from $2.29.
- Adjusted net income $17.4M, adj. EPS $0.42, up 45% linked quarter; NIM expanded 29bp to 2.79%.
- Deposits grew $268.8M linked quarter; core deposits up $513.4M; average noninterest-bearing deposits 30% of total.
- Completed $135.8M common equity offering in Nov 2024; CET1 ratio rose to 11.07%; book value $29.34.
- Credit loss provision $13.7M vs $11.6M prior quarter; NPLs flat at $49.5M; adjusted efficiency ratio 58.0%.

## SEC filing metadata
- accession: 0000846617-25-000006
- form_type: 8-K
- ticker: DCOM
- cik: 0000846617
- company_name: Dime Community Bancshares, Inc. /NY/
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/846617/000084661725000006/0000846617-25-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/846617/000084661725000006/dcom-20250123x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000846617-25-000006
- JSON: https://secwatch.observer/filing/0000846617-25-000006.json
- Plain text: https://secwatch.observer/filing/0000846617-25-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.