Form 8-K

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

Accession: 0000846617-26-000024

Filed: 2026-04-23

Period: 2026-04-23

CIK: 0000846617

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — dcom-20260423x8k.htm (Primary)

EX-99.1 (dcom-20260423xex99d1.htm)

GRAPHIC (dcom-20260423xex99d1001.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: dcom-20260423x8k.htm · Sequence: 1

DIME COMMUNITY BANCSHARES, INC._April 23, 2026

0000846617false0000846617us-gaap:SeriesAPreferredStockMember2026-04-232026-04-230000846617us-gaap:CommonStockMember2026-04-232026-04-230000846617dcom:FixedToFloatingRateSubordinatedNotesMember2026-04-232026-04-2300008466172026-04-232026-04-23

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): April 23, 2026

DIME COMMUNITY 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 April 23, 2026, Dime Community Bancshares, Inc. (the “Company”) issued a press release announcing its earnings for the quarter ended March 31, 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 April 23, 2026, announcing the earnings of the Company for the quarter ended March 31, 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 COMMUNITY BANCSHARES, INC.

DATE: April 23, 2026

By:

/s/ Avinash Reddy

Avinash Reddy

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

EX-99.1

Filename: dcom-20260423xex99d1.htm · Sequence: 2

Page 1

Exhibit 99.1

Dime Reports 10% Quarter-Over-Quarter Increase and 67% Year-Over-Year Increase in EPS

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

Significant New Hires As Part of Growth and Diversification Strategy

Hauppauge, NY, April 23, 2026 (GLOBE NEWSWIRE) -- Dime (NYSE: DCOM) today reported net income available to common stockholders of $32.8 million for the quarter ended March 31, 2026, or $0.75 per diluted common share, compared to net income available to common stockholders of $30.0 million, or $0.68 per diluted common share, for the quarter ended December 31, 2025 and net income available to common stockholders of $19.6 million for the quarter ended March 31, 2025, or $0.45 per diluted common share.

Stuart H. Lubow, President and Chief Executive Officer (“CEO”) of the Company, stated, “Dime continues to execute on our growth plan and take market share. First quarter results were marked by notable progress in diversifying our balance sheet and net interest margin expansion. We are capitalizing on the target-rich environment to hire talented individuals and as outlined below, we have had a very active start to the year from a recruiting standpoint. Finally, we are looking forward to our re-brand to “Dime Commercial Bank” in the second quarter.”

Recruiting Update

During 2026, we hired the following individuals:

● Meyer Eichler as Executive Vice President, Managing Executive Director, and Cora Licht as Senior Vice President, Managing Director. They were previously with Flagstar Bank and prior to that Signature Bank;

● John Paglia and John Spagnuolo as Group Directors. They were previously with Flagstar Bank and prior to that Signature Bank;

● Toni Valente as a Regional Manager. Ms. Valente was previously with The First National Bank of Long Island;

● Michael Ragusa as a Senior Relationship Manager for the Lakewood, NJ market. Mr. Ragusa was previously with Metropolitan Commercial Bank;

● Olivia Dossman as Private Banking Manager for the new Lakewood location. Ms. Dossman was previously with Flagstar; and

● Keith Smith as SVP, Head of Equipment and Franchise Finance. Mr. Smith was previously with Star Hill Financial.

Highlights for the First Quarter of 2026 included:

● Total deposits increased $983.1 million on a year-over-year basis;

● Core deposits (excluding brokered and time deposits) increased $999.3 million on a year-over-year basis;

● Average non-interest-bearing deposits to average total deposits for the first quarter were 30.0%;

● Business loans grew $123.8 million on a linked quarter basis and $575.6 million on a year-over-year basis;

● The net interest margin increased to 3.21% for the first quarter of 2026 compared to 3.11% for the prior quarter;

● The efficiency ratio decreased to 50.8% for the first quarter of 2026 compared to 52.6% for the prior quarter;

● The Company’s Tier 1 Common Equity Ratio increased to 11.87% at the end of the first quarter; and

● The Company’s Consolidated CRE Concentration ratio was proactively managed lower to 371%.

Page 2

Management’s Discussion of Quarterly Operating Results

Net Interest Income

Net interest income for the first quarter of 2026 was $112.3 million compared to $112.3 million for the fourth quarter of 2025 and $94.2 million for the first quarter of 2025. The Net Interest Margin for the first quarter of 2026 was 3.21% compared to 3.11% for the fourth quarter of 2025 and 2.95% for the first 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 and hire productive bankers. Our substantial liquidity position, which includes $2.1 billion of cash, provides us with the flexibility to take advantage of lending opportunities as they arise."

Loan Portfolio

The ending weighted average rate (“WAR”) on the total loan portfolio was 5.28% at March 31, 2026, a one-basis point increase compared to the ending WAR of 5.27% on the total loan portfolio at December 31, 2025.

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

March 31, 2026

December 31, 2025

March 31, 2025

(Dollars in thousands)

Balance

WAR (1)

Balance

WAR (1)

Balance

WAR (1)

Loans held for investment balances at period end:

Business loans (2)

3,364,435

6.28

3,240,600

6.32

2,788,848

6.55

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

1,047,920

4.97

1,035,983

4.94

961,562

4.77

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

3,249,582

4.47

3,424,565

4.46

3,780,078

4.46

Non-owner-occupied commercial real estate

2,840,817

5.05

2,933,287

5.07

3,191,536

5.07

Acquisition, development, and construction

100,574

7.41

117,215

7.51

140,309

7.96

Other loans

9,597

11.53

6,558

11.09

6,402

10.39

Loans held for investment

10,612,925

5.28

10,758,208

5.27

10,868,735

5.25

(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, owner-occupied commercial real estate loans and Paycheck Protection Program (“PPP”) loans.

(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)

Q1 2026

Q4 2025

Q1 2025

Originations Excluding New Lines of Credit

220.4

225.3

77.9

Originations Including New Lines of Credit

500.1

467.2

126.4

Deposits and Borrowed Funds

Period end total deposits (including mortgage escrow deposits) at March 31, 2026 were $12.60 billion, compared to $12.84 billion at December 31, 2025 and $11.61 billion at March 31, 2025.

Brokered deposits were $215.0 million at March 31, 2026, compared to $200.0 million at December 31, 2025 and $285.6 million at March 31, 2025. Total Federal Home Loan Bank advances were $435.0 million at March 31, 2026, compared to $508.0 million at December 31, 2025 and $508.0 million at March 31, 2025.

The Company redeemed at par on March 30, 2026 all of its outstanding $40,000,000 principal amount of Fixed/Floating Subordinated Debentures due 2030.

Page 3

Non-Interest Income

Non-interest income was $11.3 million during the first quarter of 2026, $11.5 million during the fourth quarter of 2025, and $9.6 million during the first quarter of 2025. Excluding the loss on sale of other assets, non-interest income was $11.7 million during the first quarter of 2026 and $11.6 million during the fourth quarter of 2025.

Non-Interest Expense

Total non-interest expense was $62.8 million during the first quarter of 2026, $65.1 million during the fourth quarter of 2025, and $65.5 million during the first quarter of 2025. Excluding the impact of the net gain on extinguishment of debt, amortization of other intangible assets, severance expense and settlement loss related to the termination of a legacy pension plan, adjusted non-interest expense was $63.4 million during the first quarter of 2026, $62.3 million during the fourth quarter of 2025, and $58.0 million during the first 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 1.68% during the first quarter of 2026, compared to 1.72% during the linked quarter and 1.90% during the first quarter of 2025. Excluding the impact of the net gain on extinguishment of debt, amortization of other intangible assets, severance expense, and settlement loss related to the termination of a legacy pension plan, the ratio of adjusted non-interest expense to average assets was 1.69% during the first quarter of 2026, 1.65% during the fourth quarter of 2025, and 1.68% during the first quarter of 2025 (see “Non-GAAP Reconciliation” tables at the end of this news release).

The efficiency ratio was 50.8% during the first quarter of 2026, compared to 52.6% during the linked quarter and 63.1% during the first quarter of 2025. Excluding the impact of loss on sale of securities and other assets, fair value change in equity securities and loans held for sale, severance expense, settlement loss related to the termination of a legacy pension plan, net gain on extinguishment of debt, and amortization of other intangible assets, the adjusted efficiency ratio was 51.2% during the first quarter of 2026, compared to 50.3% during the linked quarter and 55.8% during the first quarter of 2025 (see “Non-GAAP Reconciliation” tables at the end of this news release).

Income Tax Expense

Income tax expense was $13.9 million during the first quarter of 2026, $16.0 million during the fourth quarter of 2025, and $7.3 million during the first quarter of 2025. The effective tax rate for the first quarter was 28.7%. The fourth quarter of 2025 included $2.7 million of net expense from discrete items related to an uncertain tax position and a deferred tax item from prior tax years. Excluding the tax impact of the discrete items noted above, the effective tax rate for the fourth quarter of 2025 was 27.8%.

Credit Quality

Non-performing loans held for investment were $57.1 million at March 31, 2026, compared to $52.3 million at December 31, 2025 and $58.0 million at March 31, 2025.

A credit loss provision of $12.3 million was recorded during the first quarter of 2026, compared to a credit loss provision of $10.9 million during the fourth quarter of 2025, and $9.6 million during the first quarter of 2025.

Capital Management

Stockholders’ equity increased $21.2 million to $1.50 billion at March 31, 2026, compared to $1.48 billion at December 31, 2025.

The Company’s and the Bank’s regulatory capital ratios continued to be in excess of all applicable regulatory requirements as of March 31, 2026.

Dividends per common share were $0.25 during the first quarter of 2026 and $0.25 for the fourth quarter of 2025.

Book value per common share was $31.33 at March 31, 2026 compared to $30.99 at December 31, 2025.

Tangible common book value per share (which represents common equity less goodwill and other intangible assets, divided by the number of shares outstanding) was $27.73 at March 31, 2026 compared to $27.37 at December 31, 2025 (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 9:00 a.m. (ET) on Thursday, April 23, 2026, during which CEO Lubow will discuss the Company’s first 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/ixtnttmf. To participate via telephone, please register in advance using this link: https://register-conf.media-server.com/register/BI46d1da305a034705bb7dd06f3a600dfa. 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/ixtnttmf.

ABOUT DIME

Dime is 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.

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 COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(In thousands)

March 31,

December 31,

March 31,

2026

2025

Assets:

Cash and due from banks

2,059,618

2,353,966

1,030,702

Securities available-for-sale, at fair value

838,219

797,935

710,579

Securities held-to-maturity

647,842

618,901

631,334

Loans held for sale

38,225

1,989

2,527

Loans held for investment, net:

Business loans (1)

3,364,435

3,240,600

2,788,848

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

1,047,920

1,035,983

961,562

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

3,249,582

3,424,565

3,780,078

Non-owner-occupied commercial real estate

2,840,817

2,933,287

3,191,536

Acquisition, development and construction

100,574

117,215

140,309

Other loans

9,597

6,558

6,402

Allowance for credit losses

(100,673)

(97,372)

(90,455)

Total loans held for investment, net

10,512,252

10,660,836

10,778,280

Premises and fixed assets, net

30,580

31,255

33,650

Restricted stock

63,659

67,197

66,987

BOLI

404,657

401,163

389,167

Goodwill

155,797

Other intangible assets

2,729

2,938

3,644

Operating lease assets

39,551

42,876

45,657

Derivative assets

70,811

76,315

98,740

Accrued interest receivable

57,690

55,572

56,044

Other assets

77,873

74,891

94,574

Total assets

14,999,503

15,341,631

14,097,682

Liabilities:

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

3,777,787

3,915,081

3,245,409

Interest-bearing checking

1,066,620

1,178,281

950,090

Savings (excluding mortgage escrow deposits)

1,701,899

1,777,143

1,939,852

Money market

4,874,544

4,806,572

4,271,363

Certificates of deposit

1,089,893

1,117,118

1,121,068

Deposits (excluding mortgage escrow deposits)

12,510,743

12,794,195

11,527,782

Non-interest-bearing mortgage escrow deposits

88,267

47,051

88,138

Interest-bearing mortgage escrow deposits

—

Total mortgage escrow deposits

88,267

47,051

88,142

Total deposits (including mortgage escrow deposits)

12,599,010

12,841,246

11,615,924

FHLBNY advances

435,000

508,000

Subordinated debt, net

231,058

272,503

272,370

Derivative cash collateral

57,630

52,400

85,230

Operating lease liabilities

42,431

45,729

48,432

Derivative liabilities

69,305

73,573

92,516

Other liabilities

68,099

72,411

63,197

Total liabilities

13,502,533

13,865,862

12,685,669

Stockholders' equity:

Preferred stock, Series A

116,569

Common stock

462

461

Additional paid-in capital

622,415

623,041

623,305

Retained earnings

876,133

854,167

803,202

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

(33,019)

(31,468)

(39,045)

Unearned equity awards

(15,803)

(8,661)

(12,909)

Treasury stock, at cost

(69,787)

(78,341)

(79,570)

Total stockholders' equity

1,496,970

1,475,769

1,412,013

Total liabilities and stockholders' equity

14,999,503

15,341,631

14,097,682

(1) Business loans include commercial and industrial loans, owner-occupied commercial real estate loans and PPP 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 COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS

(Dollars in thousands except share and per share amounts)

Three Months Ended

March 31,

December 31,

March 31,

2026

2025

Interest income:

Loans

142,090

147,143

142,705

Securities

12,788

11,354

11,323

Other short-term investments

18,522

21,987

7,837

Total interest income

173,400

180,484

161,865

Interest expense:

Deposits and escrow

52,364

58,926

58,074

Borrowed funds

8,300

8,718

8,381

Derivative cash collateral

485

551

1,197

Total interest expense

61,149

68,195

67,652

Net interest income

112,251

112,289

94,213

Provision for credit losses

12,313

10,889

9,626

Net interest income after provision

99,938

101,400

84,587

Non-interest income:

Service charges and other fees

5,730

5,413

4,643

Title fees

142

317

Loan level derivative income

472

285

BOLI income

4,558

4,259

3,993

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

—

487

Gain on sale of residential loans

Fair value change in equity securities and loans held for sale

(38)

Net gain (loss) on securities

—

Loss on sale of other assets

(320)

(111)

—

Other

730

721

706

Total non-interest income

11,346

11,494

9,633

Non-interest expense:

Salaries and employee benefits

39,593

40,769

35,651

Severance

102

2,493

Occupancy and equipment

8,209

8,059

8,002

Data processing costs

5,423

4,868

4,794

Marketing

2,025

2,038

1,666

Professional services

1,909

1,381

2,116

Federal deposit insurance premiums

1,266

1,791

2,047

Net gain on extinguishment of debt

(974)

—

Loss due to pension settlement

—

7,231

Amortization of other intangible assets

209

235

252

Other

4,994

3,434

3,676

Total non-interest expense

62,756

65,068

65,511

Income before taxes

48,528

47,826

28,709

Income tax expense

13,946

15,970

7,251

Net income

34,582

31,856

21,458

Preferred stock dividends

1,822

1,821

1,822

Net income available to common stockholders

32,760

30,035

19,636

Page 7

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED COMMON SHARE DATA

(Dollars in thousands except per share amounts)

Three Months Ended

GAAP

March 31, 2026

December 31, 2025

March 31, 2025

Net income available to common stockholders

32,760

30,035

19,636

Less: Dividends paid and earnings allocated to participating securities

(593)

(568)

(314)

Income attributable to common stock - Basic and Diluted

32,167

29,467

19,322

Weighted-average common shares outstanding

43,109,118

43,023,248

42,948,690

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

0.75

0.68

0.45

Non-GAAP

Adjusted net income available to common stockholders (2)

32,405

34,495

24,688

Less: Dividends paid and earnings allocated to participating securities

(586)

(651)

(395)

Adjusted income attributable to common stock - Basic and Diluted

31,819

33,844

24,293

Weighted-average common shares outstanding

43,109,118

43,023,248

42,948,690

Adjusted basic and diluted EPS (3)

0.74

0.79

0.57

(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 COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED SELECTED FINANCIAL HIGHLIGHTS

(Dollars in thousands except per share amounts)

At or For the Three Months Ended

March 31,

December 31,

March 31,

2026

2025

Per Share Data:

Reported EPS (Diluted)

0.75

0.68

0.45

Cash dividends paid per common share

0.25

Book value per common share

31.33

30.99

29.58

Tangible common book value per share (1)

27.73

27.37

25.94

Common shares outstanding

44,057

43,862

43,799

Dividend payout ratio

33.33

36.76

55.56

Performance Ratios (Based upon Reported Net Income):

Return on average assets

0.92

0.84

0.62

Return on average equity

9.20

8.60

6.04

Return on average tangible common equity (1)

10.72

10.01

6.92

Net interest margin

3.21

3.11

2.95

Non-interest expense to average assets

1.68

1.72

1.90

Efficiency ratio

50.8

52.6

63.1

Effective tax rate

28.74

33.39

25.26

Balance Sheet Data:

Average assets

14,981,498

15,106,328

13,777,665

Average interest-earning assets

14,202,286

14,325,493

12,963,320

Average tangible common equity (1)

1,228,003

1,206,522

1,145,915

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

84.2

83.8

93.6

Capital Ratios and Reserves - Consolidated:

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

8.23

7.91

8.15

Tangible equity to tangible assets (1) (3)

9.02

8.67

8.99

Tier 1 common equity ratio (3)

11.87

11.66

11.11

Tier 1 risk-based capital ratio (3)

12.97

12.76

12.21

Total risk-based capital ratio (3)

16.17

16.23

15.68

Tier 1 leverage ratio (3)

9.24

9.01

9.46

Consolidated CRE concentration ratio (3)(4)

371

387

442

Allowance for credit losses/ Total loans

0.95

0.91

0.83

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

176.20

186.14

155.85

(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) March 31, 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 March 31, 2026 ratio is preliminary pending completion and filing of the Company’s regulatory reports.

Page 9

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED AVERAGE BALANCES AND NET INTEREST INCOME

(Dollars in thousands)

Three Months Ended

March 31, 2026

December 31, 2025

March 31, 2025

Average

Yield/

Average

Yield/

Average

Yield/

Balance

Interest

Cost

Balance

Interest

Cost

Balance

Interest

Cost

Assets:

Interest-earning assets:

Business loans

3,274,659

52,406

6.49

3,150,711

53,339

6.72

2,748,142

45,047

6.65

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

1,041,802

12,383

4.82

1,038,020

12,381

4.73

962,046

11,069

4.67

Multifamily residential and residential mixed-use

3,363,792

37,698

4.55

3,459,918

39,459

4.52

3,796,754

42,329

4.52

Non-owner-occupied commercial real estate

2,910,973

37,497

5.22

2,959,801

39,153

5.25

3,214,758

41,326

5.21

Acquisition, development, and construction

106,808

2,079

7.89

130,805

2,783

8.44

138,428

2,906

8.51

Other loans

8,329

1.31

6,939

1.60

5,740

1.98

Total loans

10,706,363

142,090

5.38

10,746,194

147,143

5.43

10,865,868

142,705

5.33

Securities

1,451,425

12,788

3.57

1,351,926

11,354

3.33

1,372,563

11,323

3.35

Other short-term investments

2,044,498

18,522

3.67

2,227,373

21,987

3.92

724,889

7,837

4.38

Total interest-earning assets

14,202,286

173,400

4.95

14,325,493

180,484

5.00

12,963,320

161,865

5.06

Non-interest-earning assets

779,212

780,835

814,345

Total assets

14,981,498

15,106,328

13,777,665

Liabilities and Stockholders' Equity:

Interest-bearing liabilities:

Interest-bearing checking (1)

1,133,722

4,793

1.71

1,237,657

6,377

2.04

912,852

4,164

1.85

Money market

4,761,610

28,801

2.45

4,640,344

31,752

2.71

4,076,612

31,294

3.11

Savings (1)

1,742,334

10,042

2.34

1,766,787

11,387

2.56

1,970,338

14,185

2.92

Certificates of deposit

1,105,241

8,728

3.20

1,123,240

9,410

3.32

973,108

8,431

3.51

Total interest-bearing deposits

8,742,907

52,364

2.43

8,768,028

58,926

2.67

7,932,910

58,074

2.97

FHLBNY advances

479,534

3,850

3.26

508,000

4,194

3.28

509,111

4,066

3.24

Subordinated debt, net

271,596

4,449

6.64

272,474

4,523

6.59

272,341

4,302

6.41

Other short-term borrowings

122

3.32

130

3.05

633

8.33

Total borrowings

751,252

8,300

4.48

780,604

8,718

4.43

782,085

8,381

4.35

Derivative cash collateral

52,708

485

3.73

52,982

551

4.13

104,126

1,197

4.66

Total interest-bearing liabilities

9,546,867

61,149

2.60

9,601,614

68,195

2.82

8,819,121

67,652

3.11

Non-interest-bearing checking (1)

3,747,722

3,839,434

3,322,583

Other non-interest-bearing liabilities

183,678

183,300

213,876

Total liabilities

13,478,267

13,624,348

12,355,580

Stockholders' equity

1,503,231

1,481,980

1,422,085

Total liabilities and stockholders' equity

14,981,498

15,106,328

13,777,665

Net interest income

112,251

112,289

94,213

Net interest rate spread

2.35

2.18

1.95

Net interest margin

3.21

3.11

2.95

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

12,490,629

52,364

1.70

12,607,462

58,926

1.85

11,255,493

58,074

2.09

(1) Includes mortgage escrow deposits.

Page 10

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES

UNAUDITED SCHEDULE OF NON-PERFORMING ASSETS

(Dollars in thousands)

At or For the Three Months Ended

March 31,

December 31,

March 31,

Asset Quality Detail

2026

2025

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

Business loans

24,257

22,606

21,944

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

4,088

3,623

3,763

Multifamily residential and residential mixed-use

—

Non-owner-occupied commercial real estate

28,368

25,671

31,677

Acquisition, development, and construction

412

657

Other loans

—

Total non-accrual loans held for investment

57,136

52,312

58,041

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

0.54%

0.49%

0.53%

Total non-accrual loans held for sale

38,000

(1)

—

Total non-performing assets ("NPAs") (2)

95,586

52,762

58,041

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

—

NPAs and 90+ Delinquent

95,586

52,762

58,041

NPAs and 90+ Delinquent / Total assets

0.64%

0.34%

0.41%

Net loan charge-offs ("NCOs")

8,574

7,271

7,058

NCOs / Average loans (3)

0.32%

0.27%

0.26%

(1) The Company completed the sale of all of these loans in April 2026.

(2) March 31, 2026 and December 31, 2025 balances include one non-performing available-for-sale security in the amount of $450 thousand.

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

Page 11

DIME COMMUNITY 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 on sale of securities and other assets, severance, net gain on extinguishment of debt and loss due to pension settlement.

Three Months Ended

March 31,

December 31,

March 31,

2026

2025

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

Reported net income available to common stockholders

32,760

30,035

19,636

Adjustments to net income (1):

Fair value change in equity securities and loans held for sale

(48)

(18)

Loss on sale of securities and other assets

320

111

—

Severance

102

2,493

Net gain on extinguishment of debt

(974)

—

Loss due to pension settlement

—

7,231

Income tax effect of adjustments noted above (1)

159

(784)

(2,237)

Other discrete tax items

—

2,688

—

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

32,405

34,495

24,688

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

Adjusted EPS (Diluted)

0.74

0.79

0.57

Adjusted return on average assets

0.91

0.96

0.77

Adjusted return on average equity

9.10

9.80

7.46

Adjusted return on average tangible common equity

10.60

11.49

8.68

Adjusted non-interest expense to average assets

1.69

1.65

1.68

Adjusted efficiency ratio

51.2

50.3

55.8

(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

March 31,

December 31,

March 31,

2026

2025

Operating expense as a % of average assets - as reported

1.68

1.72

1.90

Severance

—

(0.07)

—

Net gain on extinguishment of debt

0.02

—

Loss due to pension settlement

—

(0.21)

Amortization of other intangible assets

(0.01)

—

(0.01)

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

1.69

1.65

1.68

Page 12

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

Three Months Ended

March 31,

December 31,

March 31,

2026

2025

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

50.8

52.6

63.1

Non-interest expense - as reported

62,756

65,068

65,511

Severance

(102)

(2,493)

(76)

Net gain on extinguishment of debt

974

—

Loss due to pension settlement

—

(7,231)

Amortization of other intangible assets

(209)

(235)

(252)

Adjusted non-interest expense (non-GAAP)

63,419

62,340

57,952

Net interest income - as reported

112,251

112,289

94,213

Non-interest income - as reported

11,346

11,494

9,633

Fair value change in equity securities and loans held for sale

(48)

(18)

Loss on sale of securities and other assets

320

111

—

Adjusted non-interest income (non-GAAP)

11,704

11,557

9,615

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

123,955

123,846

103,828

Adjusted efficiency ratio (non-GAAP) (2)

51.2

50.3

55.8

(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

March 31,

December 31,

March 31,

2026

2025

Financial Data:

Net interest income

112,251

112,289

94,213

Non-interest income

11,346

11,494

9,633

Total revenue

123,597

123,783

103,846

Non-interest expense

62,756

65,068

65,511

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

60,841

58,715

38,335

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

60,536

61,506

45,876

(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):

March 31,

December 31,

March 31,

2026

2025

Reconciliation of Tangible Assets:

Total assets

14,999,503

15,341,631

14,097,682

Goodwill

(155,797)

Other intangible assets

(2,729)

(2,938)

(3,644)

Tangible assets (non-GAAP)

14,840,977

15,182,896

13,938,241

Reconciliation of Tangible Common Equity - Consolidated:

Total stockholders' equity

1,496,970

1,475,769

1,412,013

Goodwill

(155,797)

Other intangible assets

(2,729)

(2,938)

(3,644)

Tangible equity (non-GAAP)

1,338,444

1,317,034

1,252,572

Preferred stock, net

(116,569)

Tangible common equity (non-GAAP)

1,221,875

1,200,465

1,136,003

Common shares outstanding

44,057

43,862

43,799

Tangible common equity to tangible assets (non-GAAP)

8.23

7.91

8.15

Tangible equity to tangible assets (non-GAAP)

9.02

8.67

8.99

Book value per common share

31.33

30.99

29.58

Tangible common book value per share (non-GAAP)

27.73

27.37

25.94

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Apr. 23, 2026

Document Information [Line Items]

Entity Registrant Name

DIME COMMUNITY BANCSHARES, INC.

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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

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dei_SolicitingMaterial

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- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

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dei_TradingSymbol

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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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