---
schema_version: "secwatch.filing_event.v1"
accession: "0000846617-25-000046"
form_type: "8-K"
ticker: "DCOM"
cik: "0000846617"
company_name: "Dime Community Bancshares, Inc. /NY/"
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:38:29.653059+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Dime Community Q3 EPS $0.59; net interest margin rises to 3.01%; core deposits up

## Summary
- Net income to common $25.8M ($0.59 diluted EPS) vs $11.5M ($0.29) YoY; adjusted EPS $0.61.
- Net interest income $103.4M (+29% YoY); net interest margin 3.01% vs 2.50% YoY.
- Core deposits (ex-brokered/time) up $972M YoY; business loans grew $160.5M linked quarter.
- Provision for credit losses $13.3M vs $9.2M linked quarter; non-performing loans $72.1M vs $53.2M.
- Management expects further NIM expansion in Q4; efficiency ratio improved to 53.8% from 65.9% YoY.

## SEC filing metadata
- accession: 0000846617-25-000046
- form_type: 8-K
- ticker: DCOM
- cik: 0000846617
- company_name: Dime Community Bancshares, Inc. /NY/
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/846617/000084661725000046/0000846617-25-000046-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/846617/000084661725000046/dcom-20251023x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000846617-25-000046
- JSON: https://secwatch.observer/filing/0000846617-25-000046.json
- Plain text: https://secwatch.observer/filing/0000846617-25-000046.txt

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