迪募社区银行 2024年度报告

Washington, D.C. 20549 FORM10-K☒ANNUAL REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934For theYear EndedDecember31, 2024☐TRANSITION REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIES EXCHANGE ACTCommission file number001-34096Dime Community Bancshares,Inc. (Exact name of registrant as specified in its charter) Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule405 of the Securities Act.YES☒NO☐ Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or 15(d)of the Act. YES☐NO☒ Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of theSecurities Exchange Act of 1934 during the preceding twelvemonths (or for such shorter period that the registrant wasrequired to file such reports), and (2)has been subject to such filing requirements for the past 90days.YES☒NO☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12months (or for such shorter periodthat the registrant was required to submit such files).YES☒NO☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer” “smallerreporting company” and “emerging growth company” in Rule12b-2 of the Exchange Act. Accelerated filer☐Smaller reporting company☐Emerging growth company☐ Large accelerated filer☒Non-accelerated filer☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition periodfor complying with any new or revised financial accounting standards provided pursuant to Section13(a)of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of theeffectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 USC. 7262(b))by the registered public accounting firm that prepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of theregistrant included in the filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to§240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Act): Yes☐No☒ The aggregate market value of the voting stock held by non-affiliates of the registrant as of June30, 2024 was approximately$723.2million based upon the $20.40 closing price on the NASDAQ National Market for a share of the registrant’s common stock on June30, 2024. The registrant had43,638,375shares of common stock, $0.01 par value, outstanding as of February 13, 2025. TABLE OF CONTENTS PARTI Item1.Business5Item1A.Risk Factors14Item1B.Unresolved Staff Comments21Item1C.Cybersecurity21Item2.Properties23Item3.Legal Proceedings23Item4.Mine Safety Disclosures23PARTIIItem5.Market for Registrant’s Common Equity, Related Stockholder Matters and IssuerPurchases of Equity Securities24Item6.[Reserved]25Item7.Management’s Discussion and Analysis of Financial Condition and Results ofOperations25Item7A.Quantitative and Qualitative Disclosures About Market Risk43Item8.Financial Statements and Supplementary Data46Item9.Changes in and Disagreements With Accountants on Accounting and FinancialDisclosure99Item9A.Controls and Procedures99Item9B.Other Information99Item 9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections99PARTIIIItem10.Directors, Executive Officers and Corporate Governance100Item11.Executive Compensation100Item12.Security Ownership of Certain Beneficial Owners and Management and RelatedStockholder Matters100Item13.Certain Relationships and Related Transactions, and Director Independence100Item14.Principal Accounting Fees and Services100PARTIVItem15.Exhibits, Financial Statement Schedules101Item16.Form10-K Summary107Signatures108 Cautionary Note Regarding Forward-Looking Statements This report contains statements relating to our future results (including certain projections andbusiness trends) that are considered “forward-looking statements” as defined in the Private SecuritiesLitigation Reform Act of 1995 (the “PSLRA”). Such forward-looking statements, in addition tohistorical information, which involve risk and uncertainties, are based on the beliefs, assumptions andexpectationsof our management.Words such as“expects,”“beli