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  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantDateFairValueExpectedSharePayout" id="dcom_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantDateFairValueExpectedSharePayout" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantDateFairValueAggregateSharePayout" id="dcom_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantDateFairValueAggregateSharePayout" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PerformanceBasedEquityAwardsAbstract" id="dcom_PerformanceBasedEquityAwardsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfMaximumTargetForEachAwardEligibleToBeEarnedBasedOnRelativePerformance" id="dcom_PercentageOfMaximumTargetForEachAwardEligibleToBeEarnedBasedOnRelativePerformance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfTargetForEachAwardEligibleToBeEarnedBasedOnRelativePerformance" id="dcom_PercentageOfTargetForEachAwardEligibleToBeEarnedBasedOnRelativePerformance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfThresholdTargetForEachAwardEligibleToBeEarnedBasedOnRelativePerformance" id="dcom_PercentageOfThresholdTargetForEachAwardEligibleToBeEarnedBasedOnRelativePerformance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InformationRelatedToStockAwardsAbstract" id="dcom_InformationRelatedToStockAwardsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InformationRelatedToRestrictedStockAwardsAbstract" id="dcom_InformationRelatedToRestrictedStockAwardsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RestrictedStockAwardsAbstract" id="dcom_RestrictedStockAwardsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UnearnedEquityAwardsMember" id="dcom_UnearnedEquityAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanLevelDerivativeIncomeTextBlock" id="dcom_LoanLevelDerivativeIncomeTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CreditRiskRelatedContingentFeaturesAbstract" id="dcom_CreditRiskRelatedContingentFeaturesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeObligationsAgreementProvisionsNumberBreached" id="dcom_DerivativeObligationsAgreementProvisionsNumberBreached" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" id="dcom_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="NumberOfSignificantAndUnusualIncomeTaxItemsDuringPeriod" id="dcom_NumberOfSignificantAndUnusualIncomeTaxItemsDuringPeriod" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromPrincipalRepaymentsOfMortgageBackedSecuritiesMbsCategorizedAsAvailableForSale" id="dcom_ProceedsFromPrincipalRepaymentsOfMortgageBackedSecuritiesMbsCategorizedAsAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DecreaseIncreaseInLoansHeldForInvestmentNet" id="dcom_DecreaseIncreaseInLoansHeldForInvestmentNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromLongTermFHLBankBorrowingsFinancingActivities" id="dcom_ProceedsFromLongTermFHLBankBorrowingsFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsOfLongTermFHLBankBorrowingsFinancingActivities" id="dcom_PaymentsOfLongTermFHLBankBorrowingsFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncreaseInBankOwnedLifeInsuranceIncome" id="dcom_IncreaseInBankOwnedLifeInsuranceIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NumberOfRetailOffices" id="dcom_NumberOfRetailOffices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AssetsAndLiabilitiesMeasuredAtFairValueOnNonrecurringBasisAbstract" id="dcom_AssetsAndLiabilitiesMeasuredAtFairValueOnNonrecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AssetsLiabilitiesMeasuredAtFairValueOnRecurringBasisAbstract" id="dcom_AssetsLiabilitiesMeasuredAtFairValueOnRecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfSalesOfAvailableForSaleAgencySecuritiesTextBlock" id="dcom_ScheduleOfSalesOfAvailableForSaleAgencySecuritiesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CreditRiskProfileRealEstateLoansAbstract" id="dcom_CreditRiskProfileRealEstateLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MultifamilyResidentialAndResidentialMixedUseAllowanceMember" id="dcom_MultifamilyResidentialAndResidentialMixedUseAllowanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AcquisitionDevelopmentAndConstructionMember" id="dcom_AcquisitionDevelopmentAndConstructionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherInformationRelatedToOperatingLeasesTableTextBlock" id="dcom_OtherInformationRelatedToOperatingLeasesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DepositsSavingsMoneyMarketCheckingFairValueDisclosure" id="dcom_DepositsSavingsMoneyMarketCheckingFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CertificateOfDepositsFairValueDisclosure" id="dcom_CertificateOfDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AccruedInterestPayableFairValueDisclosure" id="dcom_AccruedInterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AccruedInterestReceivableFairValueDisclosure" id="dcom_AccruedInterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="InterestRateSwapLoanLevelWithThirdPartCounterpartiesMember" id="dcom_InterestRateSwapLoanLevelWithThirdPartCounterpartiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestRateSwapLoanLevelWithBorrowerMember" id="dcom_InterestRateSwapLoanLevelWithBorrowerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeInstrumentNumberTerminated" id="dcom_DerivativeInstrumentNumberTerminated" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeTerminationValue" id="dcom_DerivativeTerminationValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesBenefitRelatedToLossOnSale" id="dcom_AvailableForSaleSecuritiesBenefitRelatedToLossOnSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesTaxExpensesRelatedToGainOnSale" id="dcom_AvailableForSaleSecuritiesTaxExpensesRelatedToGainOnSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PublicOfferingAbstract" id="dcom_PublicOfferingAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetIncomeLossAttributableToCommonStockholders" id="dcom_NetIncomeLossAttributableToCommonStockholders" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="WeightedAverageNumberOfSharesOutstandingIncludingParticipatingSecuritiesBasic" id="dcom_WeightedAverageNumberOfSharesOutstandingIncludingParticipatingSecuritiesBasic" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAbstract" id="dcom_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DividendsPaidAndUndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic" id="dcom_DividendsPaidAndUndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="GainLossOnSaleSmallBusinessAdministrationLoans" id="dcom_GainLossOnSaleSmallBusinessAdministrationLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankAdvancesMaturitiesSummaryTableTextBlock" id="dcom_FederalHomeLoanBankAdvancesMaturitiesSummaryTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ThresholdForDisclosurePercentage" id="dcom_ThresholdForDisclosurePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FreestandingDerivativesMember" id="dcom_FreestandingDerivativesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="HoldingsOfSecuritiesOfAnyOneIssuerGreaterThan10PercentOfStockholdersEquity" id="dcom_HoldingsOfSecuritiesOfAnyOneIssuerGreaterThan10PercentOfStockholdersEquity" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForSaleOfSecuritiesAndOtherAssetsNetOfTax" id="dcom_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForSaleOfSecuritiesAndOtherAssetsNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeLossDefinedBenefitPlanExpenseIncludedInOtherExpenseAfterTax" id="dcom_OtherComprehensiveIncomeLossDefinedBenefitPlanExpenseIncludedInOtherExpenseAfterTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ReclassificationAdjustmentForExpenseIncludedInInterestExpense" id="dcom_ReclassificationAdjustmentForExpenseIncludedInInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsOfShortTermFhlBankBorrowingsFinancingActivities" id="dcom_PaymentsOfShortTermFhlBankBorrowingsFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoanLevelInterestRateSwapsWithBorrower2Member" id="dcom_LoanLevelInterestRateSwapsWithBorrower2Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TimeDepositCategoryAxis" id="dcom_TimeDepositCategoryAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TimeDepositCategoryDomain" id="dcom_TimeDepositCategoryDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExercisePrice1Member" id="dcom_ExercisePrice1Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExercisePrice2Member" id="dcom_ExercisePrice2Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExercisePrice3Member" id="dcom_ExercisePrice3Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageRemainingContractualTerm2" id="dcom_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageRemainingContractualTerm2" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankAdvancesMaximum" id="dcom_FederalHomeLoanBankAdvancesMaximum" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ProceedsFromPrincipalRepaymentsOfMortgageBackedSecuritiesMbsCategorizedAsHeldToMaturity" id="dcom_ProceedsFromPrincipalRepaymentsOfMortgageBackedSecuritiesMbsCategorizedAsHeldToMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfCollateralDependentLoansTableTextBlock" id="dcom_ScheduleOfCollateralDependentLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfFederalHomeLoanBankAdvanceExtinguishmentTableTextBlock" id="dcom_ScheduleOfFederalHomeLoanBankAdvanceExtinguishmentTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankAdvancesExtinguished" id="dcom_FederalHomeLoanBankAdvancesExtinguished" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OneToFourFamilyResidentialAndCooperativeUnitAllowanceMember" id="dcom_OneToFourFamilyResidentialAndCooperativeUnitAllowanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FourZeroOneKPlanMember" id="dcom_FourZeroOneKPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeCashCollateral" id="dcom_DerivativeCashCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="InterestExpenseDerivativeCashCollateral" id="dcom_InterestExpenseDerivativeCashCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TransfersOfSecuritiesHeldToMaturityToSecuritiesAvailableForSale" id="dcom_TransfersOfSecuritiesHeldToMaturityToSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="FixedToFloatingRateSubordinatedNotesDue2032Member" id="dcom_FixedToFloatingRateSubordinatedNotesDue2032Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanLevelInterestRateSwapsWithThirdPartCounterpartiesTwoMember" id="dcom_LoanLevelInterestRateSwapsWithThirdPartCounterpartiesTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GainFromDeathBenefitFromBankOwnedLifeInsurance" id="dcom_GainFromDeathBenefitFromBankOwnedLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromSubordinatedDebenturesFinancingActivities" id="dcom_ProceedsFromSubordinatedDebenturesFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="UnrealizedLossesRelatedToCreditLosses" id="dcom_UnrealizedLossesRelatedToCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FixedToFloatingRateSubordinatedNotesDue2027Member" id="dcom_FixedToFloatingRateSubordinatedNotesDue2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FixedToFloatingRateSubordinatedNotesDue2025Member" id="dcom_FixedToFloatingRateSubordinatedNotesDue2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExcludesOtherLoansMember" id="dcom_ExcludesOtherLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonAccrualLoansReserve" id="dcom_NonAccrualLoansReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfAmortizedCostBasisOfLoansModifiedTableTextBlock" id="dcom_ScheduleOfAmortizedCostBasisOfLoansModifiedTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="IncludingOtherLoansMember" id="dcom_IncludingOtherLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ExtendedMaturityAndPaymentDelayMember" id="dcom_ExtendedMaturityAndPaymentDelayMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestBearingMortgageEscrowDeposits" id="dcom_InterestBearingMortgageEscrowDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NonInterestBearingMortgageEscrowDeposits" id="dcom_NonInterestBearingMortgageEscrowDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NonInterestBearingAndInterestBearingMortgageEscrowDepositsLiabilities" id="dcom_NonInterestBearingAndInterestBearingMortgageEscrowDepositsLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessLoanPortfolioSegmentMember" id="dcom_BusinessLoanPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonOwnerOccupiedCommercialRealEstatePortfolioSegmentMember" id="dcom_NonOwnerOccupiedCommercialRealEstatePortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentDelayAndInterestRateReductionMember" id="dcom_PaymentDelayAndInterestRateReductionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonAccrualMember" id="dcom_NonAccrualMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfFinancialEffectsOfLoansModifiedToBorrowersTableTextBlock" id="dcom_ScheduleOfFinancialEffectsOfLoansModifiedToBorrowersTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FixedToFloatingRateSubordinatedNotesDue2030Member" id="dcom_FixedToFloatingRateSubordinatedNotesDue2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfUnrealizedLossAndFairValueOfSecuritiesOnInvestmentsTableTextBlock" id="dcom_ScheduleOfUnrealizedLossAndFairValueOfSecuritiesOnInvestmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DepositsExcludingMortgageEscrowDeposits" id="dcom_DepositsExcludingMortgageEscrowDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AmortizationOfFairValueHedgeBasisPointAdjustments" id="dcom_AmortizationOfFairValueHedgeBasisPointAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfAmountsRecordedOnConsolidatedStatementsOfFinancialConditionRelatedToCumulativeBasisAdjustmentForFairValueHedgesTableTextBlock" id="dcom_ScheduleOfAmountsRecordedOnConsolidatedStatementsOfFinancialConditionRelatedToCumulativeBasisAdjustmentForFairValueHedgesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="MajorCustomersRevenue" id="dcom_MajorCustomersRevenue" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AnnualInterestRateFirstPeriod" id="dcom_AnnualInterestRateFirstPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FixedToFloatingRateSubordinatedNotesMember" id="dcom_FixedToFloatingRateSubordinatedNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedToFloatingRateSubordinatedNotesDue2034Member" id="dcom_FixedToFloatingRateSubordinatedNotesDue2034Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DimeCommunityBancsharesInc2021EquityIncentivePlanMember" id="dcom_DimeCommunityBancsharesInc2021EquityIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RiskParticipationAgreementsMember" id="dcom_RiskParticipationAgreementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherShortTermBorrowingsFairValueDisclosure" id="dcom_OtherShortTermBorrowingsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateAbstract" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateOvernight" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateOvernight" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateAfterYearOneThroughThree" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateAfterYearOneThroughThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateYearFour" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateAfterYearFour" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateOvernightPercent" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateOvernightPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateYearOnePercent" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateYearOnePercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateAfterYearOneThroughThreePercent" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateAfterYearOneThroughThreePercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FederalHomeLoanBanksAdvanceMaturityFixedRateYearFourPercent" id="dcom_FederalHomeLoanBanksAdvanceMaturityFixedRateYearFourPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FederalHomeLoanBankAdvanceMaturityFixedRateAfterYearFourPercent" id="dcom_FederalHomeLoanBankAdvanceMaturityFixedRateAfterYearFourPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="DefinedBenefitPlanNetPeriodicBenefitCostCreditNetOfSettlement" id="dcom_DefinedBenefitPlanNetPeriodicBenefitCostCreditNetOfSettlement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="KennethMahonMember" id="dcom_KennethMahonMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OciDebtSecuritiesAvailableForSaleCreditLossExpenseAfterAdjustmentBeforeTax" id="dcom_OciDebtSecuritiesAvailableForSaleCreditLossExpenseAfterAdjustmentBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CorporateDebtSecuritiesOneMember" id="dcom_CorporateDebtSecuritiesOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
