BlastPoint's Banking Scorecard
Dime Bank
Community
Specialty: Commercial
CT
FDIC cert 18200
Designations: ✓ Mutual
Norwich, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Dime Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.49% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+2.6% YoY
-0.9% QoQ
|
-$197.0M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$908.4M
+15.4% YoY
+3.8% QoQ
|
-$67.1M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$915.7M
+2.3% YoY
-0.4% QoQ
|
-$248.9M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.47%
+6.6% YoY
-18.6% QoQ
|
-0.70% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.91%
+20.0% YoY
+3.6% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
76.36%
-10.8% YoY
-3.5% QoQ
|
+13.73% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.27%
-21.7% YoY
-31.1% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
99.20%
+12.8% YoY
+4.2% QoQ
|
+16.14% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.54%
-1.2% YoY
+1.6% QoQ
|
+16.49% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.20%
-11.9% YoY
-27.9% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
15.08%
-7.1% YoY
+1.4% QoQ
|
+4.84% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.47%
+3.7% YoY
+41.9% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Community
Why this stands out
Current:
37.54%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Return on Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.47%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.54% · Tier avg: 21.05%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.08% · Tier avg: 10.24%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
64
64th pctile
Total Loans
Current: $908.4M · Tier avg: $975.5M
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
55
55th pctile
Total Deposits
Current: $915.7M · Tier avg: $1.2B
45
45th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
15
15th pctile
Efficiency Ratio
Current: 76.36% · Tier avg: 62.63%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.20% · Tier avg: 83.06%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
10
10th pctile
Return on Assets
Current: 0.47% · Tier avg: 1.16%
Top Weaknesses
10
10th pctile
Return on Assets
Current: 0.47% · Tier avg: 1.16%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.20% · Tier avg: 83.06%
15
15th pctile
Efficiency Ratio
Current: 76.36% · Tier avg: 62.63%
45
45th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
55
55th pctile
Total Deposits
Current: $915.7M · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
64
64th pctile
Total Loans
Current: $908.4M · Tier avg: $975.5M
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.08% · Tier avg: 10.24%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.54% · Tier avg: 21.05%