Peer Analysis

Peer Analysis
Performance Ratios (%) DCOM Peer Median Peer Average
ROAA 0.61 0.85 0.97
ROAE 6.50 7.67 8.12
Net Interest Margin 2.58 2.99 2.98
Efficiency Ratio 48.93 56.64 57.35
Loans / Deposits 136.78 105.88 104.28
Asset Quality Ratios (%)
NPAs / Assets 0.14 0.74 0.75
NCOs / Avg Loans 0.00 0.06 0.12
Reserves / Loans 0.37 0.82 0.79
Reserves / NPAs 235.62 81.09 102.73
Capital Ratios (%)
Tier 1 Capital 10.65 13.03 15.04
Tangible Equity / Tangible Assets 8.30 9.39 10.61
Total Equity / Total Assets 9.09 12.02 12.44
Market Ratios
Price / Earnings (x) 20.86 17.89 20.82
Price / Book (%) 131.87 139.62 143.39
Dividend Yield (%) 2.71 2.60 2.42
Data for trailing four quarters

Dime Community Bancshares, Inc.'s peer group consists of the following: Astoria Financial Corporation (AF), First Niagara Financial Group, Inc. (FNFG), Flushing Financial Corporation (FFIC), Investors Bancorp, Inc. (ISBC), Kearny Financial Corp. (KRNY), New York Community Bancorp, Inc. (NYCB), OceanFirst Financial Corp. (OCFC), Oritani Financial Corp. (ORIT), Provident Financial Services, Inc. (PFS), Signature Bank (SBNY), Sterling Bancorp (STL), Sun Bancorp, Inc. (SNBC), TrustCo Bank Corp NY (TRST), Valley National Bancorp (VLY)

Dime Community Bancshares, Inc.'s financial data is as of 9/30/2017.

Peer financial data is as of 9/30/2017 except for these companies:

Astoria Financial Corporation's financial data is as of 6/30/2017.
First Niagara Financial Group, Inc.'s financial data is as of 6/30/2016.