This institution is no longer active

Operations ceased on February 1, 2021. CRA examination history below reflects the period it was active.

DIME COMMUNITY BANK

BROOKLYN, NY · Supervised by FDIC

Est. 1864FDIC #16,012RSSD: FDIC-16012

Part ofDIME COMMUNITY BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: December 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.71%

Is this bank safe?

DIME COMMUNITY BANK holds a Satisfactory CRA rating (2020), meets basic financial requirements (ROA +0.71%).

Institution Profile

FDIC BankFind

Address

149 Kent Avenue, BROOKLYN, NY

County

Kings County

Established

June 1, 1864

Total Assets

$6.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2020

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2020Call Report / FDIC

Total Assets

$6.8B

Total Deposits

$4.6B

Net Loans

$5.6B

Net Income

$46M

ROA

0.71%

Below avg for Community banks. Peer avg: 0.90%

ROE

6.80%

Risk-Based Capital

13.30%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.71%Peer avg: 0.90%▼ Below avg

Risk-Based Capital13.30%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate19.94%Peer avg: 10.20%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	361	55.12%	19.94%
2023	493	63.69%	13.18%
2022	831	69.92%	11.79%
2021	474	73.42%	11.39%
2020	379	63.59%	15.04%
2019	253	74.31%	8.70%
2018	120	86.67%	2.50%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2020	Satisfactory	Large Bank
Feb 2018	Satisfactory	Large Bank
Jan 2015	Satisfactory	Large Bank

3 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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