Form 8-K

8-K — Dime Commercial Bancshares, Inc. /NY/

Accession: 0000846617-26-000038

Filed: 2026-07-23

Period: 2026-07-23

CIK: 0000846617

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — dcom-20260723x8k.htm (Primary)

EX-99.1 (dcom-20260723xex99d1.htm)

GRAPHIC (dcom-20260723xex99d1001.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: dcom-20260723x8k.htm · Sequence: 1

DIME COMMERCIAL BANCSHARES, INC._July 23, 2026

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): July 23, 2026

DIME COMMERCIAL BANCSHARES, INC.

(Exact name of the registrant as specified in its charter)

New York

001-34096

11-2934195

(State or other jurisdiction of

incorporation or organization)

(Commission File Number)

(IRS Employer

Identification No.)

898 Veterans Memorial Highway, Suite 560, Hauppauge, New York

11788

(Address of principal executive offices)

(Zip Code)

(631) 537-1000

(Registrant’s telephone number)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2. below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4c)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 Par Value

DCOM

The New York Stock Exchange

Preferred Stock, Series A, $0.01 Par Value

DCOM PR

The New York Stock Exchange

9.000% Junior Subordinated Notes, $25.00 Par Value

DCBG

The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 2.02 Results of Operations and Financial Condition.

On July 23, 2026, Dime Commercial Bancshares, Inc. (the “Company”) issued a press release announcing its earnings for the quarter ended June 30, 2026. A copy of the press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference. The information contained in this Item 2.02, including the related information set forth in the Press Release attached hereto and incorporated by reference herein, is being “furnished” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.

Item 9.01 Financial Statements and Exhibits.

(a) Not applicable.

(b) Not applicable.

(d) Exhibits.

Exhibit No.

Description

99.1

Press Release dated July 23, 2026, announcing the earnings of the Company for the quarter ended June 30, 2026.*

104

Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)

* Furnished electronically as an exhibit to this Current Report on Form 8-K. This exhibit is being “furnished” and not “filed” with this Current Report on Form 8-K.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

DIME COMMERCIAL BANCSHARES, INC.

DATE: July 23, 2026

By:

/s/ Avinash Reddy

Avinash Reddy

Senior Executive Vice President, Chief Operating Officer and Chief Financial Officer

EX-99.1

Filename: dcom-20260723xex99d1.htm · Sequence: 2

Page 1

Exhibit 99.1

Dime Commercial Bancshares, Inc. Reports 17% Year-Over-Year Increase in EPS

Net Interest Margin Expansion Drives Record Quarterly Revenue of $126 million;

Strong Year-Over-Year Core Deposit and Business Loan Growth

Announces Plans to Resume Share Buybacks

Hauppauge, NY, July 23, 2026 (GLOBE NEWSWIRE) -- Dime Commercial Bancshares, Inc. (NYSE: DCOM) (the “Company” or “Dime”), the parent company of Dime Commercial Bank (the “Bank”), today reported net income available to common stockholders of $33.0 million for the quarter ended June 30, 2026, or $0.75 per diluted common share, compared to net income available to common stockholders of $32.8 million, or $0.75 per diluted common share, for the quarter ended March 31, 2026 and net income available to common stockholders of $27.9 million for the quarter ended June 30, 2025, or $0.64 per diluted common share.

Adjusted net income available to common stockholders (non-GAAP) was $34.7 million and adjusted diluted EPS (non-GAAP) was $0.79 per share for the quarter ended June 30, 2026, compared to $0.74 per share for the quarter ended March 31, 2026 and $0.64 for the quarter ended June 30, 2025 (see "Non-GAAP Reconciliation" tables at the end of this news release).

Stuart H. Lubow, President and Chief Executive Officer (“CEO”) of the Company, stated, “Dime continues to execute on our growth plan and delivered record quarterly revenue. Second quarter results were marked by strong growth in business loans as our commercial banking teams are converting their robust pipelines. Recognizing the progress we have made in creating a high-quality balance sheet, Kroll Bond Rating Agency recently issued a “Positive” ratings outlook for Dime. Finally, and in recognition of our evolution into a commercial and private banking powerhouse, we recently completed our re-brand to “Dime Commercial Bank”.”

Capital Return: Mr. Lubow, stated, “In light of our strong capital position, lower CRE concentration levels, stress testing results, and improving profitability, we are pleased to announce that we expect to begin repurchasing our shares in the third quarter.”

Highlights for the Second Quarter of 2026 included:

● Adjusted diluted EPS of $0.79 per share for the second quarter of 2026, compared to $0.64 per share for the second quarter of 2025;

● Total deposits increased $937.0 million on a year-over-year basis;

● Core deposits (excluding brokered and time deposits) increased $948.3 million on a year-over-year basis;

● Average non-interest-bearing deposits to average total deposits for the second quarter increased to 31.0%;

● Business loans grew $280.8 million on a linked quarter basis and $743.0 million on a year-over-year basis;

● The net interest margin increased to 3.28% for the second quarter of 2026 compared to 3.21% for the prior quarter;

● The efficiency ratio decreased to 51.2% for the second quarter of 2026 compared to 55.0% for second quarter of 2025;

● The adjusted efficiency ratio decreased to 49.9% for the second quarter of 2026 compared to 54.7% for the second quarter of 2025;

● The Company’s Tier 1 Common Equity Ratio increased to 11.99% at the end of the second quarter;

● The Company’s Consolidated CRE Concentration ratio was proactively managed lower to 352%; and

● Non-performing assets declined by 28% on a linked quarter basis and represented 0.46% of Total Assets.

Page 2

Management’s Discussion of Quarterly Operating Results

Net Interest Income

Net interest income for the second quarter of 2026 was $115.2 million compared to $112.3 million for the first quarter of 2026 and $98.1 million for the second quarter of 2025. The Net Interest Margin for the second quarter of 2026 was 3.28% compared to 3.21% for the first quarter of 2026 and 2.98% for the second quarter of 2025.

Mr. Lubow commented, “We continue to have a significant loan repricing opportunity that we anticipate will continue through 2027. Additionally, growth in core deposits and business loans will benefit us over time as we continue to grow our customer base. Our substantial liquidity position, which includes $1.9 billion of cash, provides us with the flexibility to take advantage of lending opportunities as they arise. Dime’s asset liability management profile, which is underpinned by our cash position and a growing floating rate loan portfolio, positions us well for a variety of interest rate scenarios.”

Loan Portfolio

The ending weighted average rate (“WAR”) on the total loan portfolio was 5.36% at June 30, 2026, an 8-basis point increase compared to the ending WAR of 5.28% on the total loan portfolio at March 31, 2026.

Outlined below are loan balances and WARs for the quarter ended as indicated.

June 30, 2026

March 31, 2026

June 30, 2025

(Dollars in thousands)

Balance

WAR (1)

Balance

WAR (1)

Balance

WAR (1)

Loans held for investment balances at period end:

Business loans (2)

3,645,194

6.32

3,364,435

6.28

2,902,170

6.65

One-to-four family residential and coop/condo apartment

1,075,904

5.04

1,047,920

4.97

998,677

4.85

Multifamily residential and residential mixed-use (3)(4)

3,113,647

4.48

3,249,582

4.47

3,693,481

4.48

Non-owner-occupied commercial real estate

2,770,751

5.14

2,840,817

5.05

3,128,453

5.12

Acquisition, development, and construction

90,476

7.10

100,574

7.41

141,755

8.28

Other loans

8,401

11.81

9,597

11.53

6,336

11.08

Loans held for investment

10,704,373

5.36

10,612,925

5.28

10,870,872

5.33

(1) WAR is calculated by aggregating interest based on the current loan rate from each loan in the category, adjusted for non-accrual loans, divided by the total balance of loans in the category.

(2) Business loans include commercial and industrial loans, and owner-occupied commercial real estate loans. At June 30, 2025, business loans included balances related to Paycheck Protection Program (“PPP”) loans; no PPP loans were outstanding at June 30, 2026 or March 31, 2026.

(3) Includes loans underlying multifamily cooperatives.

(4) While the loans within this category are often considered "commercial real estate" in nature, multifamily and loans underlying cooperatives are reported separately from commercial real estate loans in order to emphasize the residential nature of the collateral underlying this significant component of the total loan portfolio.

Outlined below are the loan originations for the quarter ended as indicated.

(Dollars in millions)

Q2 2026

Q1 2026

Q2 2025

Originations Excluding New Lines of Credit

255.3

220.4

227.3

Originations Including New Lines of Credit

533.4

500.1

450.5

Deposits and Borrowed Funds

Period end total deposits (including mortgage escrow deposits) at June 30, 2026 were $12.68 billion, compared to $12.60 billion at March 31, 2026 and $11.74 billion at June 30, 2025.

Brokered deposits were $200.0 million at June 30, 2026, compared to $215.0 million at March 31, 2026 and $200.0 million at June 30, 2025. Total Federal Home Loan Bank advances were $385.0 million at June 30, 2026, compared to $435.0 million at March 31, 2026 and $508.0 million at June 30, 2025.

Page 3

Non-Interest Income

Non-interest income was $11.3 million during the second quarter of 2026, $11.3 million during the first quarter of 2026, and $11.6 million during the second quarter of 2025. Excluding the fair value change in equity securities and loans held for sale, and loss (gain) on sale of securities, loans and other assets, non-interest income was $13.2 million during the second quarter of 2026, $11.7 million during the first quarter of 2026 and $11.4 million during the second quarter of 2025.

Non-Interest Expense

Total non-interest expense was $64.7 million during the second quarter of 2026, $62.8 million during the first quarter of 2026, and $60.3 million during the second quarter of 2025. Excluding the impact of the net loss (gain) on extinguishment of debt, amortization of other intangible assets and severance expense, adjusted non-interest expense was $64.1 million during the second quarter of 2026, $63.4 million during the first quarter of 2026, and $59.9 million during the second quarter of 2025 (see “Non-GAAP Reconciliation” tables at the end of this news release).

The ratio of non-interest expense to average assets was 1.74% during the second quarter of 2026, compared to 1.68% during the linked quarter and 1.72% during the second quarter of 2025. Excluding the impact of the net loss (gain) on extinguishment of debt, amortization of other intangible assets and severance expense, the ratio of adjusted non-interest expense to average assets was 1.72% during the second quarter of 2026, 1.69% during the first quarter of 2026, and 1.71% during the second quarter of 2025 (see “Non-GAAP Reconciliation” tables at the end of this news release).

The efficiency ratio was 51.2% during the second quarter of 2026, compared to 50.8% during the linked quarter and 55.0% during the second quarter of 2025. Excluding the impact of loss (gain) on sale of securities, loans and other assets, fair value change in equity securities and loans held for sale, severance expense, net loss (gain) on extinguishment of debt, and amortization of other intangible assets, the adjusted efficiency ratio was 49.9% during the second quarter of 2026, compared to 51.2% during the linked quarter and 54.7% during the second quarter of 2025 (see “Non-GAAP Reconciliation” tables at the end of this news release).

Mr. Lubow commented, “Our organic growth strategy is paying dividends as evidenced by a decline in the core efficiency ratio to below 50% for the second quarter. Growth in revenues is anticipated to continue to drive the efficiency ratio lower in the years ahead.”

Income Tax Expense

Income tax expense was $13.1 million during the second quarter of 2026, $13.9 million during the first quarter of 2026, and $10.5 million during the second quarter of 2025. The effective tax rate for the second quarter of 2026 was 27.3%, compared to 28.7% for the first quarter of 2026 and 26.1% for the second quarter of 2025.

Credit Quality

Non-performing assets were $69.0 million at June 30, 2026, compared to $95.6 million at March 31, 2026 and $53.2 million at June 30, 2025.

A credit loss provision of $13.9 million was recorded during the second quarter of 2026, compared to $12.3 million during the first quarter of 2026, and $9.2 million during the second quarter of 2025.

Capital Management

Stockholders’ equity increased $23.5 million to $1.52 billion at June 30, 2026, compared to $1.50 billion at March 31, 2026.

The Company’s and the Bank’s regulatory capital ratios continued to be in excess of all applicable regulatory requirements as of June 30, 2026. All risk-based regulatory capital ratios increased during the second quarter of 2026.

Dividends per common share were $0.25 during the second quarter of 2026 and the first quarter of 2026, respectively.

Book value per common share was $31.79 at June 30, 2026 compared to $31.33 at March 31, 2026.

Tangible common book value per share (which represents common equity less goodwill and other intangible assets, divided by the number of shares outstanding) was $28.21 at June 30, 2026 compared to $27.73 at March 31, 2026 (see “Non-GAAP Reconciliation” tables at the end of this news release).

Page 4

Earnings Call Information

The Company will conduct a conference call at 8:30 a.m. (ET) on Thursday, July 23, 2026, during which CEO Lubow will discuss the Company’s second quarter 2026 financial performance, with a question-and-answer session to follow.

Participants may access the conference call via webcast using this link: https://edge.media-server.com/mmc/p/kjwp3pui. To participate via telephone, please register in advance using this link: https://register-conf.media-server.com/register/BI0e414999c97e4bf0bc9fe67d53be989f. Upon registration, all telephone participants will receive a one-time confirmation email detailing how to join the conference call, including the dial-in number along with a unique PIN that can be used to access the call. All participants are encouraged to dial-in 10 minutes prior to the start time.

A replay of the conference call and webcast will be available on-demand for 12 months at https://edge.media-server.com/mmc/p/kjwp3pui.

ABOUT DIME COMMERCIAL BANCSHARES, INC.

Dime Commercial Bancshares, Inc. is the holding company for Dime Commercial Bank, a New York State-chartered trust company with approximately $15 billion in assets and the number one deposit market share on Greater Long Island (1).

(1) Aggregate deposit market share for Kings, Queens, Nassau & Suffolk counties for commercial banks with less than $20 billion in assets.

This news release contains a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). These statements may be identified by use of words such as “annualized," “anticipate," "believe," “continue,” "could," "estimate," "expect," "intend," “likely,” "may," "outlook," "plan," "potential," "predict," "project," "should," "will," "would" and similar terms and phrases, including references to assumptions. Any forward-looking statements presented herein are made only as of the date of this release, and the Company does not undertake any obligation to update or revise any forward-looking statements to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise, except as may be required by law.

Forward-looking statements are based upon various assumptions and analyses made by the Company in light of management's experience and its perception of historical trends, current conditions and expected future developments, as well as other factors it believes are appropriate under the circumstances. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (many of which are beyond the Company's control) that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Accordingly, you should not place undue reliance on such statements. Factors that could affect our results include, without limitation, the following: the timing and occurrence or non-occurrence of events may be subject to circumstances beyond the Company’s control; there may be increases in competitive pressure among financial institutions or from non-financial institutions; changes in the interest rate environment may affect demand for our products and reduce interest margins and the value of our investments; changes in government monetary or fiscal policies and actions may adversely affect our customers, cost of credit and overall result of operations; changes in deposit flows, the cost of funds, loan demand or real estate values may adversely affect the business of the Company; changes in the quality and composition of the Company’s loan or investment portfolios or unanticipated or significant increases in loan losses may negatively affect the Company’s financial condition or results of operations; changes in accounting principles, policies or guidelines may cause the Company’s financial condition to be perceived differently; changes in corporate and/or individual income tax laws may adversely affect the Company's financial condition or results of operations; general socio-economic conditions, public health emergencies, international conflict, inflation, tariffs, and recessionary pressures, either nationally or locally in some or all areas in which the Company conducts business, or conditions in the securities markets or the banking industry may be less favorable than the Company currently anticipates and may adversely affect our customers, our financial results and our operations; legislation or regulatory changes may adversely affect the Company’s business; technological changes may be more difficult or expensive than the Company anticipates; there may be failures or breaches of information technology security systems; success or consummation of new business initiatives may be more difficult or expensive than the Company anticipates; there may be difficulties or unanticipated expense incurred in the consummation of new business initiatives or the integration of any acquired entities; and litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than the Company anticipates. For discussion of these and other risks that may cause actual results to differ from expectations, please refer to the sections entitled “Forward-Looking Statements” and “Risk Factors” in the Company’s most recent Annual Report on Form 10-K and updates set forth in the Company’s subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K.

Contact: Avinash Reddy

Senior Executive Vice President – Chief Operating Officer and Chief Financial Officer

718-782-6200 extension 5909

Page 5

DIME COMMERCIAL BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(In thousands)

June 30,

March 31,

December 31,

2026

2025

Assets:

Cash and due from banks

1,934,594

2,059,618

2,353,966

Securities available-for-sale, at fair value

895,251

838,219

797,935

Securities held-to-maturity

706,606

647,842

618,901

Loans held for sale

1,862

38,225

1,989

Loans held for investment, net:

Business loans (1)

3,645,194

3,364,435

3,240,600

One-to-four family residential and coop/condo apartment

1,075,904

1,047,920

1,035,983

Multifamily residential and residential mixed-use (2)(3)

3,113,647

3,249,582

3,424,565

Non-owner-occupied commercial real estate

2,770,751

2,840,817

2,933,287

Acquisition, development and construction

90,476

100,574

117,215

Other loans

8,401

9,597

6,558

Allowance for credit losses

(104,963)

(100,673)

(97,372)

Total loans held for investment, net

10,599,410

10,512,252

10,660,836

Premises and fixed assets, net

30,570

30,580

31,255

Restricted stock

61,167

63,659

67,197

BOLI

417,459

404,657

401,163

Goodwill

155,797

Other intangible assets

2,534

2,729

2,938

Operating lease assets

36,830

39,551

42,876

Derivative assets

70,545

70,811

76,315

Accrued interest receivable

56,282

57,690

55,572

Other assets

74,046

77,873

74,891

Total assets

15,042,953

14,999,503

15,341,631

Liabilities:

Non-interest-bearing checking (excluding mortgage escrow deposits)

3,946,965

3,777,787

3,915,081

Interest-bearing checking

1,140,667

1,066,620

1,178,281

Savings (excluding mortgage escrow deposits)

1,621,056

1,701,899

1,777,143

Money market

4,853,645

4,874,544

4,806,572

Certificates of deposit

1,068,824

1,089,893

1,117,118

Deposits (excluding mortgage escrow deposits)

12,631,157

12,510,743

12,794,195

Non-interest-bearing mortgage escrow deposits

45,980

88,267

47,051

Interest-bearing mortgage escrow deposits

—

Total mortgage escrow deposits

45,980

88,267

47,051

Total deposits (including mortgage escrow deposits)

12,677,137

12,599,010

12,841,246

FHLBNY advances

385,000

435,000

508,000

Subordinated debt, net

231,186

231,058

272,503

Derivative cash collateral

61,790

57,630

52,400

Operating lease liabilities

39,626

42,431

45,729

Derivative liabilities

69,631

69,305

73,573

Other liabilities

58,127

68,099

72,411

Total liabilities

13,522,497

13,502,533

13,865,862

Stockholders' equity:

Preferred stock, Series A

116,569

Common stock

462

Additional paid-in capital

622,636

622,415

623,041

Retained earnings

898,089

876,133

854,167

Accumulated other comprehensive loss ("AOCI"), net of deferred taxes

(31,573)

(33,019)

(31,468)

Unearned equity awards

(17,590)

(15,803)

(8,661)

Treasury stock, at cost

(68,137)

(69,787)

(78,341)

Total stockholders' equity

1,520,456

1,496,970

1,475,769

Total liabilities and stockholders' equity

15,042,953

14,999,503

15,341,631

(1) Business loans include commercial and industrial loans, and owner-occupied commercial real estate loans.

(2) Includes loans underlying multifamily cooperatives.

(3) While the loans within this category are often considered "commercial real estate" in nature, multifamily and loans underlying cooperatives are here reported separately from commercial real estate loans in order to emphasize the residential nature of the collateral underlying this significant component of the total loan portfolio.

Page 6

DIME COMMERCIAL BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS

(Dollars in thousands except share and per share amounts)

Three Months Ended

Six Months Ended

June 30,

March 31,

June 30,

2026

2025

2026

2025

Interest income:

Loans

143,892

142,090

145,448

285,982

288,153

Securities

14,518

12,788

11,353

27,306

22,676

Other short-term investments

16,840

18,522

10,749

35,362

18,586

Total interest income

175,250

173,400

167,550

348,650

329,415

Interest expense:

Deposits and escrow

52,171

52,364

60,181

104,535

118,255

Borrowed funds

7,351

8,300

8,354

15,651

16,735

Derivative cash collateral

542

485

918

1,027

2,115

Total interest expense

60,064

61,149

69,453

121,213

137,105

Net interest income

115,186

112,251

98,097

227,437

192,310

Provision for credit losses

13,875

12,313

9,221

26,188

18,847

Net interest income after provision

101,311

99,938

88,876

201,249

173,463

Non-interest income:

Service charges and other fees

6,483

5,730

4,642

12,213

9,285

Title fees

187

142

118

329

216

Loan level derivative income

535

472

942

1,007

1,003

BOLI income

5,038

4,558

4,186

9,596

8,179

Gain on sale of Small Business Administration ("SBA") loans

196

—

387

196

469

Gain on sale of residential loans

121

Fair value change in equity securities and loans held for sale

(38)

—

101

Gain on securities

—

149

—

149

Loss on sale of loans and other assets

(2,000)

(320)

—

(2,320)

—

Other

740

730

1,038

1,470

1,744

Total non-interest income

11,266

11,346

11,595

22,612

21,228

Non-interest expense:

Salaries and employee benefits

39,781

39,593

36,218

79,374

71,869

Severance

454

102

136

556

212

Occupancy and equipment

7,899

8,209

7,729

16,108

15,731

Data processing costs

5,151

5,423

4,903

10,574

9,697

Marketing

1,951

2,025

1,756

3,976

3,422

Professional services

2,325

1,909

2,097

4,234

4,213

Federal deposit insurance premiums

1,712

1,266

1,692

2,978

3,739

Net loss (gain) on extinguishment of debt

(974)

—

(972)

—

Loss due to pension settlement

—

7,231

Amortization of other intangible assets

195

209

235

404

487

Other

5,231

4,994

5,533

10,225

9,209

Total non-interest expense

64,701

62,756

60,299

127,457

125,810

Income before taxes

47,876

48,528

40,172

96,404

68,881

Income tax expense

13,062

13,946

10,475

27,008

17,726

Net income

34,814

34,582

29,697

69,396

51,155

Preferred stock dividends

1,821

1,822

1,821

3,643

Net income available to common stockholders

32,993

32,760

27,876

65,753

47,512

Page 7

DIME COMMERCIAL BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED COMMON SHARE DATA

(Dollars in thousands except per share amounts)

Three Months Ended

Six Months Ended

GAAP

June 30, 2026

March 31, 2026

June 30, 2025

June 30, 2026

June 30, 2025

Net income available to common stockholders

32,993

32,760

27,876

65,753

47,512

Less: Dividends paid and earnings allocated to participating securities

(687)

(593)

(516)

(1,280)

(830)

Income attributable to common stock - Basic and Diluted

32,306

32,167

27,360

64,473

46,682

Weighted-average common shares outstanding

43,218,619

43,109,118

43,030,023

43,164,171

42,989,581

Basic and diluted earnings per share ("EPS") (1)

0.75

0.64

1.49

1.09

Non-GAAP

Adjusted net income available to common stockholders (2)

34,663

32,405

27,863

67,068

52,551

Less: Dividends paid and earnings allocated to participating securities

(722)

(586)

(516)

(1,308)

(910)

Adjusted income attributable to common stock - Basic and Diluted

33,941

31,819

27,347

65,760

51,641

Weighted-average common shares outstanding

43,218,619

43,109,118

43,030,023

43,164,171

42,989,581

Adjusted basic and diluted EPS (3)

0.79

0.74

0.64

1.52

1.20

(1) The earnings per share is calculated by dividing income attributable to common stock by weighted-average common shares outstanding.

(2) See "Non-GAAP Reconciliation" tables for reconciliation of reported and adjusted (non-GAAP) net income available to common stockholders.

(3) The adjusted earnings per share is calculated by dividing adjusted income attributable to common stock by weighted-average common shares outstanding.

Page 8

DIME COMMERCIAL BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED SELECTED FINANCIAL HIGHLIGHTS

(Dollars in thousands except per share amounts)

At or For the Three Months Ended

At or For the Six Months Ended

June 30,

March 31,

June 30,

2026

2025

2026

2025

Per Share Data:

Reported EPS (Diluted)

0.75

0.64

1.49

1.09

Cash dividends paid per common share

0.25

0.50

Book value per common share

31.79

31.33

29.95

31.79

29.95

Tangible common book value per share (1)

28.21

27.73

26.32

28.21

26.32

Common shares outstanding

44,158

44,057

43,889

44,158

43,889

Dividend payout ratio

33.33

39.06

33.56

45.87

Performance Ratios (Based upon Reported Net Income):

Return on average assets

0.94

0.92

0.85

0.93

0.74

Return on average equity

9.15

9.20

8.28

9.17

7.16

Return on average tangible common equity (1)

10.62

10.72

9.68

10.67

8.30

Net interest margin

3.28

3.21

2.98

3.24

2.96

Non-interest expense to average assets

1.74

1.68

1.72

1.71

1.81

Efficiency ratio

51.2

50.8

55.0

51.0

58.9

Effective tax rate

27.28

28.74

26.08

28.02

25.73

Balance Sheet Data:

Average assets

14,862,346

14,981,498

14,013,592

14,921,593

13,896,281

Average interest-earning assets

14,086,464

14,202,286

13,195,116

14,144,055

13,079,859

Average tangible common equity (1)

1,247,394

1,228,003

1,158,738

1,237,751

1,152,361

Loan-to-deposit ratio at end of period (2)

84.4

84.2

92.6

84.4

92.6

Capital Ratios and Reserves - Consolidated:

Tangible common equity to tangible assets (1) (3)

8.37

8.23

8.22

Tangible equity to tangible assets (1) (3)

9.15

9.02

9.05

Tier 1 common equity ratio (3)

11.99

11.87

11.25

Tier 1 risk-based capital ratio (3)

13.09

12.97

12.34

Total risk-based capital ratio (3)

16.30

16.17

15.84

Tier 1 leverage ratio (3)

9.46

9.24

9.43

Consolidated CRE concentration ratio (3)(4)

352

371

425

Allowance for credit losses/ Total loans

0.98

0.95

0.86

Allowance for credit losses/ Non-performing loans held for investment

157.09

176.20

175.12

(1) See "Non-GAAP Reconciliation" tables for reconciliation of tangible equity, tangible common equity, and tangible assets.

(2) Total deposits include mortgage escrow deposits, which fluctuate seasonally.

(3) June 30, 2026 ratios are preliminary pending completion and filing of the Company’s regulatory reports.

(4) The Consolidated CRE concentration ratio is calculated using the sum of commercial real estate, excluding owner-occupied commercial real estate, multifamily, and acquisition, development, and construction, divided by consolidated capital. The June 30, 2026 ratio is preliminary pending completion and filing of the Company’s regulatory reports.

Page 9

DIME COMMERCIAL BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED AVERAGE BALANCES AND NET INTEREST INCOME

(Dollars in thousands)

Three Months Ended

June 30, 2026

March 31, 2026

June 30, 2025

Average

Yield/

Average

Yield/

Average

Yield/

Balance

Interest

Cost

Balance

Interest

Cost

Balance

Interest

Cost

Assets:

Interest-earning assets:

Business loans

3,489,614

56,520

6.50

3,274,659

52,406

6.49

2,798,899

46,593

6.68

One-to-four family residential and coop/condo apartment

1,064,043

12,588

4.75

1,041,802

12,383

4.82

981,138

11,532

4.71

Multifamily residential and residential mixed-use

3,195,372

35,930

4.51

3,363,792

37,698

4.55

3,740,939

42,462

4.55

Non-owner-occupied commercial real estate

2,815,624

37,117

5.29

2,910,973

37,497

5.22

3,175,062

41,822

5.28

Acquisition, development, and construction

90,738

1,711

7.56

106,808

2,079

7.89

136,154

3,009

8.86

Other loans

8,580

1.22

8,329

1.31

7,135

1.69

Total loans

10,663,971

143,892

5.41

10,706,363

142,090

5.38

10,839,327

145,448

5.38

Securities

1,582,300

14,518

3.68

1,451,425

12,788

3.57

1,361,383

11,353

3.34

Other short-term investments

1,840,193

16,840

3.67

2,044,498

18,522

3.67

994,406

10,749

4.34

Total interest-earning assets

14,086,464

175,250

4.99

14,202,286

173,400

4.95

13,195,116

167,550

5.09

Non-interest-earning assets

775,882

779,212

818,476

Total assets

14,862,346

14,981,498

14,013,592

Liabilities and Stockholders' Equity:

Interest-bearing liabilities:

Interest-bearing checking (1)

1,040,981

4,058

1.56

1,133,722

4,793

1.71

943,716

4,141

1.76

Money market

4,796,008

30,049

2.51

4,761,610

28,801

2.45

4,174,694

32,818

3.15

Savings (1)

1,684,130

9,826

2.34

1,742,334

10,042

2.34

1,925,224

14,048

2.93

Certificates of deposit

1,075,789

8,238

3.07

1,105,241

8,728

3.20

1,075,729

9,174

3.42

Total interest-bearing deposits

8,596,908

52,171

2.43

8,742,907

52,364

2.43

8,119,363

60,181

2.97

FHLBNY advances

418,517

3,541

3.39

479,534

3,850

3.26

508,000

4,053

3.20

Subordinated debt, net

231,102

3,810

6.61

271,596

4,449

6.64

272,385

4,301

6.33

Other short-term borrowings

—

122

3.32

—

Total borrowings

649,619

7,351

4.54

751,252

8,300

4.48

780,385

8,354

4.29

Derivative cash collateral

62,134

542

3.50

52,708

485

3.73

79,188

918

4.65

Total interest-bearing liabilities

9,308,661

60,064

2.59

9,546,867

61,149

2.60

8,978,936

69,453

3.10

Non-interest-bearing checking (1)

3,864,575

3,747,722

3,412,215

Other non-interest-bearing liabilities

166,688

183,678

187,774

Total liabilities

13,339,924

13,478,267

12,578,925

Stockholders' equity

1,522,422

1,503,231

1,434,667

Total liabilities and stockholders' equity

14,862,346

14,981,498

14,013,592

Net interest income

115,186

112,251

98,097

Net interest rate spread

2.40

2.35

1.99

Net interest margin

3.28

3.21

2.98

Deposits (including non-interest-bearing checking accounts) (1)

12,461,483

52,171

1.68

12,490,629

52,364

1.70

11,531,578

60,181

2.09

(1) Includes mortgage escrow deposits.

Page 10

DIME COMMERCIAL BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED SCHEDULE OF NON-PERFORMING ASSETS

(Dollars in thousands)

At or For the Three Months Ended

June 30,

March 31,

June 30,

Asset Quality Detail

2026

2025

Non-performing loans held for investment ("NPLs")

Business loans

23,898

24,257

18,007

One-to-four family residential and coop/condo apartment

4,465

4,088

1,642

Multifamily residential and residential mixed-use

26,893

—

Non-owner-occupied commercial real estate

11,151

28,368

32,908

Acquisition, development, and construction

412

657

Other loans

—

Non-accrual loans held for investment

66,819

57,136

53,214

Non-accrual loans held for investment / Total loans held for investment

0.62%

0.54%

0.49%

Non-accrual loans held for sale

1,750

38,000

—

Total non-accrual loans

68,569

95,136

53,214

Total non-accrual loans/ Total loans

0.64%

0.89%

0.49%

Total non-performing assets ("NPAs") (1)

69,019

95,586

53,214

Total loans 90 days delinquent and accruing ("90+ Delinquent")

—

NPAs and 90+ Delinquent

69,019

95,586

53,214

NPAs and 90+ Delinquent / Total assets

0.46%

0.64%

0.37%

Net loan charge-offs ("NCOs")

9,662

8,574

5,405

NCOs / Average loans (2)

0.36%

0.32%

0.20%

(1) June 30, 2026 and March 31, 2026 balances include one non-performing available-for-sale security in the amount of $450 thousand.

(2) Calculated based on annualized NCOs to average loans.

Page 11

DIME COMMERCIAL BANCSHARES, INC. AND SUBSIDIARIES

NON-GAAP RECONCILIATION

(Dollars in thousands except per share amounts)

The following tables below provide a reconciliation of certain financial measures calculated under generally accepted accounting principles ("GAAP") (as reported) and non-GAAP measures. A non-GAAP financial measure is a numerical measure of historical or future financial performance, financial position or cash flows that excludes or includes amounts that are required to be disclosed in the most directly comparable measure calculated and presented in accordance with GAAP in the United States. The Company’s management believes the presentation of non-GAAP financial measures provides investors with a greater understanding of the Company’s operating results in addition to the results measured in accordance with GAAP. While management uses these non-GAAP measures in its analysis of the Company’s performance, this information should not be viewed as a substitute for financial results determined in accordance with GAAP or considered to be more important than financial results determined in accordance with GAAP.

The following non-GAAP financial measures exclude pre-tax income and expenses associated with the fair value change in equity securities and loans held for sale, loss (gain) on sale of securities, loans and other assets, severance, net loss (gain) on extinguishment of debt and loss due to pension settlement.

Three Months Ended

Six Months Ended

June 30,

March 31,

June 30,

2026

2025

2026

2025

Reconciliation of Reported and Adjusted (non-GAAP) Net Income Available to Common Stockholders

Reported net income available to common stockholders

32,993

32,760

27,876

65,753

47,512

Adjustments to net income (1):

Fair value change in equity securities and loans held for sale

(38)

(83)

—

(101)

Loss (gain) on sale of securities, loans and other assets

2,000

320

(72)

2,320

(72)

Severance

454

102

136

556

212

Net loss (gain) on extinguishment of debt

(974)

—

(972)

—

Loss due to pension settlement

—

7,231

Income tax effect of adjustments noted above (1)

(748)

159

(589)

(2,231)

Adjusted net income available to common stockholders (non-GAAP)

34,663

32,405

27,863

67,068

52,551

Adjusted Ratios (Based upon Adjusted (non-GAAP) Net Income as calculated above)

Adjusted EPS (Diluted)

0.79

0.74

0.64

1.52

1.20

Adjusted return on average assets

0.98

0.91

0.85

0.95

0.81

Adjusted return on average equity

9.59

9.11

8.28

9.35

7.87

Adjusted return on average tangible common equity

11.16

10.60

9.67

10.88

9.18

Adjusted non-interest expense to average assets

1.72

1.69

1.71

1.70

Adjusted efficiency ratio

49.9

51.2

54.7

50.5

55.2

(1) Adjustments to net income are taxed at the Company's approximate statutory tax rate.

The following table presents a reconciliation of operating expense as a percentage of average assets (as reported) and adjusted operating expense as a percentage of average assets (non-GAAP):

Three Months Ended

Six Months Ended

June 30,

March 31,

June 30,

2026

2025

2026

2025

Operating expense as a % of average assets - as reported

1.74

1.68

1.72

1.71

1.81

Severance

(0.01)

—

(0.01)

—

Net loss (gain) on extinguishment of debt

—

0.02

—

0.01

—

Loss due to pension settlement

—

(0.10)

Amortization of other intangible assets

(0.01)

—

(0.01)

Adjusted operating expense as a % of average assets (non-GAAP)

1.72

1.69

1.71

1.70

Page 12

The following table presents a reconciliation of efficiency ratio (non-GAAP) and adjusted efficiency ratio (non-GAAP):

Three Months Ended

Six Months Ended

June 30,

March 31,

June 30,

2026

2025

2026

2025

Efficiency ratio - as reported (non-GAAP) (1)

51.2

50.8

55.0

51.0

58.9

Non-interest expense - as reported

64,701

62,756

60,299

127,457

125,810

Severance

(454)

(102)

(136)

(556)

(212)

Net (loss) gain on extinguishment of debt

(2)

974

—

972

—

Loss due to pension settlement

—

(7,231)

Amortization of other intangible assets

(195)

(209)

(235)

(404)

(487)

Adjusted non-interest expense (non-GAAP)

64,050

63,419

59,928

127,469

117,880

Net interest income - as reported

115,186

112,251

98,097

227,437

192,310

Non-interest income - as reported

11,266

11,346

11,595

22,612

21,228

Fair value change in equity securities and loans held for sale

(38)

(83)

—

(101)

Loss (gain) on sale of securities, loans and other assets

2,000

320

(72)

2,320

(72)

Adjusted non-interest income (non-GAAP)

13,228

11,704

11,440

24,932

21,055

Adjusted total revenues for adjusted efficiency ratio (non-GAAP)

128,414

123,955

109,537

252,369

213,365

Adjusted efficiency ratio (non-GAAP) (2)

49.9

51.2

54.7

50.5

55.2

(1) The reported efficiency ratio is a non-GAAP measure calculated by dividing GAAP non-interest expense by the sum of GAAP net interest income and GAAP non-interest income.

(2) The adjusted efficiency ratio is a non-GAAP measure calculated by dividing adjusted non-interest expense by the sum of GAAP net interest income and adjusted non-interest income.

The following table presents a reconciliation of pre-tax pre provision net revenue (non-GAAP) and adjusted pre-tax pre-provision net revenue (non-GAAP):

Three Months Ended

Six Months Ended

June 30,

March 31,

June 30,

2026

2025

2026

2025

Financial Data:

Net interest income

115,186

112,251

98,097

227,437

192,310

Non-interest income

11,266

11,346

11,595

22,612

21,228

Total revenue

126,452

123,597

109,692

250,049

213,538

Non-interest expense

64,701

62,756

60,299

127,457

125,810

Pre-tax pre-provision net revenue (non-GAAP) (1)

61,751

60,841

49,393

122,592

87,728

Adjusted pre-tax pre-provision net revenue (non-GAAP) (2)

64,364

60,536

49,609

124,900

95,485

(1) The reported pre-tax pre-provision net revenue is a non-GAAP measure calculated by adding GAAP net interest income and GAAP non-interest income less GAAP non-interest expense.

(2) The adjusted pre-tax pre-provision net revenue is a non-GAAP measure calculated by adding GAAP net interest income and the adjusted non-interest income less the adjusted non-interest expense as shown in the reconciliation of efficiency ratio table above.

Page 13

The following table presents the tangible common equity to tangible assets, tangible equity to tangible assets, and tangible common book value per share calculations (non-GAAP):

June 30,

March 31,

June 30,

2026

2025

Reconciliation of Tangible Assets:

Total assets

15,042,953

14,999,503

14,207,935

Goodwill

(155,797)

Other intangible assets

(2,534)

(2,729)

(3,409)

Tangible assets (non-GAAP)

14,884,622

14,840,977

14,048,729

Reconciliation of Tangible Common Equity - Consolidated:

Total stockholders' equity

1,520,456

1,496,970

1,431,006

Goodwill

(155,797)

Other intangible assets

(2,534)

(2,729)

(3,409)

Tangible equity (non-GAAP)

1,362,125

1,338,444

1,271,800

Preferred stock, net

(116,569)

Tangible common equity (non-GAAP)

1,245,556

1,221,875

1,155,231

Common shares outstanding

44,158

44,057

43,889

Tangible common equity to tangible assets (non-GAAP)

8.37

8.23

8.22

Tangible equity to tangible assets (non-GAAP)

9.15

9.02

9.05

Book value per common share

31.79

31.33

29.95

Tangible common book value per share (non-GAAP)

28.21

27.73

26.32

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Cover

Jul. 23, 2026

Document Information [Line Items]

Entity Registrant Name

DIME COMMERCIAL BANCSHARES, INC.

Entity Central Index Key

0000846617

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Securities Act File Number

001-34096

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Entity Incorporation, State or Country Code

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898 Veterans Memorial Highway, Suite 560, Hauppauge, New York

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Entity Address, State or Province

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City Area Code

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Common Stock, $0.01 Par Value

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Preferred Stock, Series A, $0.01 Par Value

Document Information [Line Items]

Title of 12(b) Security

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9.000% Junior Subordinated Notes, $25.00 Par Value

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A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

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dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

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Balance Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

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dei_PreCommencementTenderOffer

Namespace Prefix:

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- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

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Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

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- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

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Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

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