Peer Analysis
Performance Ratios (%) DCOM Peer Median Peer Average
ROAA 0.52 0.79 0.80
ROAE 5.40 6.71 6.66
Net Interest Margin 2.51 2.85 2.81
Efficiency Ratio 57.60 55.65 58.41
Loans / Deposits 122.82 103.55 105.20
Asset Quality Ratios (%)
NPAs / Assets 0.29 0.49 0.51
NCOs / Avg Loans 0.19 0.04 0.07
Reserves / Loans 0.70 0.88 0.87
Reserves / NPAs 200.82 137.61 163.37
Capital Ratios (%)
Tier 1 Capital 12.15 11.61 13.63
Tangible Equity / Tangible Assets 9.38 9.33 9.95
Total Equity / Total Assets 10.17 12.27 12.13
Market Ratios
Price / Earnings (x) 15.80 10.22 11.06
Price / Book (%) 85.90 72.26 77.26
Dividend Yield (%) 3.85 4.94 4.89
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., 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 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

Astoria Financial Corporation's financial data is as of 9/30/2017.
Sun Bancorp, Inc.'s financial data is as of 12/31/2017.
First Niagara Financial Group, Inc.'s financial data is as of 6/30/2016.
Oritani Financial Corp.'s financial data is as of 9/30/2019.