Dime Community Bancshares, Inc. · NYSE:DCOM
Dime Community Bancshares — Investor Presentation (November 2025)
16 slides from Dime Community Bancshares's investor presentation, November 2025
Slide 1: Dime Community Bancshares, Inc. November 2025
Dime Community Bancshares, Inc. (NASDAQ: DCOM) November 2025
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation contains a number of forward-looking statements within the meaning of the federal securities laws. These statements may be identified by use of words such as “annualized,” “anticipate,” “believe,” “continue,” “could,” “estimate,” “expect,” “intend,” “like
Slide 3: Investment Highlights
Investment Highlights 1. Leading market share and best-in-class deposit franchise with significant scarcity value 2. Proactive management team executing on growth plan 3. Net Interest Margin expansion story 4. Strong risk-based capital ratios and liquidity levels help position Dime for future growth
Slide 4: From Montauk to Manhattan
From Montauk to Manhattan Branch Footprint White Plains Whitestone Hauppauge Manhattan Melville Williamsburg Brooklyn Heights Hillcrest Bay Ridge Bensonhurst Rockville Centre Branch Staten Island Cedarhurst Private Banking Team In the “sweet spot” to uniquely serve clients with our customer focus,
Slide 5: Highly Attractive Market for Commercial Banking
Highly Attractive Market for Commercial Banking Significant Organic Attractive Demographics and Business Density within Growth Opportunities the Greater Long Island Footprint Total Deposits in Greater Long Island(1) Median household income Number of businesses / square mile ($ in billions) $307 $127
Slide 6: Leading Market Share and Significant Scarcity Value
Leading Market Share and Significant Scarcity Value Greater Long Island Market Share(1) High Level of DDA (Q3 2025) Deposits Market Time Rank Institution Branches 9% ($B) Share Non-Int 1 Dime 57 $10.5 21.8% Bearing DDA 2 Flushing 27 $6.8 14.2% Savings, $12.1B 31% 3 Apple 45 $6.4 13.2% MMA & Total NO
Slide 7: Differentiated Deposit Base versus Local Peers
Differentiated Deposit Base versus Local Peers Cost of Total Deposits Non-Interest Bearing DDA % 2.57% 31% 2.09% 23% 1.97% 20% (1) (2) Dime Local Peer Median National Median (1) (2) Dime Local Peer Median National Median Dime’s Cost of Total Deposits are Dime’s DDA levels are best in class well belo
Slide 8: Executing on Growth Plan
Executing on Growth Plan Dime Has Been Capitalizing on Disruption in Local Marketplace Q2 2023: Hired 6 Deposit Groups from Signature/First Republic Q3 2023: Launched Healthcare Vertical Hiring of Deposit Teams to Q2 2024: Hired 8 Deposit Groups from Flagstar Grow Low-Cost Q2 2024: Expanded into Wes
Slide 9: Opportunity to Further Transform Balance Sheet Towards Business Loans
Opportunity to Further Transform Balance Sheet Towards Business Loans Loan Portfolio Mix (1) (2) Multifamily ($ in millions) Business Loans ($ in millions) $5,110 $3,063 $1,076 $3,510 12/31/16 9/30/25 12/31/16 9/30/25 (2) Multifamily (% of Loans) Business Loans (% of Loans) 29% 62% 33% 13% 12/31/16
Slide 10: Improving NIM Will Drive Higher Profitability
Improving NIM Will Drive Higher Profitability NIM Progression Multiple Catalysts for Further NIM Expansion September 2025 and October 2025 Federal Funds rate Q3 2025 3.01% 1 cuts are collectively expected to benefit NIM by 8 - 10 basis points Q2 2025 2.98% 2 Significant back book loan repricing oppo
Slide 11: Strong Capital Ratios Through Growth Plan
Strong Capital Ratios Through Growth Plan Common Equity Tier 1 Ratio Tier 1 Risk Based Capital Ratio 12.6% 11.1% 11.3% 11.5% 12.2% 12.3% 9.2% 9.8% 10.9% 10.2% 2022Q4 2023Q4 2024Q4 2025Q2 2025Q3 2022Q4 2023Q4 2024Q4 2025Q2 2025Q3 Total Capital Ratio CRE Concentration(1) 16.2% 554% 15.8% 538% 15.6% 44
Slide 12: Robust Liquidity Levels Position Dime for Future Growth
Robust Liquidity Levels Position Dime for Future Growth Loan / Deposit Ratio Wholesale Funding* / Total Assets 99.4% 16.5% 88.9% 86.0% 5.7% 4.9% (1) (2) Dime Local Peer Median National Median (1) (2) Dime Local Peer Median National Median Loan / Deposit ratio is well below Local Peer Wholesale Fundi
Slide 13: Pristine Asset Quality Remains a Hallmark
Pristine Asset Quality Remains a Hallmark Our cumulative credit losses were extremely low compared to the KRX Bank Index during the 2008 Financial Crisis. Post 2008 Financial Crisis, our credit losses continue to track well below the bank index Cumulative NCOs from 2007 to 2013 over 2006 Gross Loans
Slide 14: Loans by Asset Class as of September 30, 2025
Loans by Asset Class as of September 30, 2025 $ in millions Avg Loan Balance LTV Size Business Loans Owner Occupied Real Estate $ 1,591 60% $ 2.8 C&I 1,472 0.6 Total Business Loans 3,063 1.0 1-4 Family 1,031 58% 0.6 Land & Construction 139 4.2 Investor CRE Retail 1,058 51% 2.6 Investor Office 553 60
Slide 15: Strong Corporate Governance
Strong Corporate Governance Significant Insider Ownership Annual election of entire slate of Board of Directors Shareholder representation on Board of Directors (Basswood) CEO & Chairman roles are split 15
Slide 16: Maintained Outstanding Community Reinvestment Act (CRA) Rating
Maintained Outstanding Community Reinvestment Act (“CRA”) Rating “Since 2020, JA New York “Thanks to support from Received CRA rating of “OUTSTANDING” – the highest achievable and Dime have partnered to Dime Community Bank, deliver impactful financial Brooklyn Public Library’s mark across all thre
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