迪募社区银行 2025年季度报告

DIME COMMUNITY BANCSHARES, INC. (Exact name of registrant as specified in its charter) N/A(Former name or former address, if changed since last report) Indicate by check mark whether the registrant (1)has filed all the reports required to be filed by Section13 or 15(d)of theSecurities Exchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant was required to filesuch 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 period thatthe 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, or 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 period forcomplying with any new or revised financial accounting standards provided pursuant to Section13(a)of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act). YES☐NO☒Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. PARTI– FINANCIAL INFORMATION Item1.Unaudited Condensed Consolidated Financial StatementsConsolidated Statements of Financial Condition at March 31, 2025 and December31, 20244Consolidated Statements of Operations for the Three Months Ended March 31, 2025 and 20245Consolidated Statements of Comprehensive Income for the Three Months Ended March 31,2025 and 20246Consolidated Statements of Changes in Stockholders’ Equity for the Three Months Ended March31, 2025 and 20247Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2025 and 20248Notesto Unaudited Condensed Consolidated Financial Statements9Item2.Management’s Discussion and Analysis of Financial Condition and Results of Operations37Item3.Quantitative and Qualitative Disclosures About Market Risk52Item4.Controls and Procedures54 PARTII- OTHER INFORMATION Item1.Legal ProceedingsItem1A.Risk Factors Item2.Unregistered Sales of Equity Securities, Use of Proceeds and Issuer Purchases of EquitySecurities55Item3.Defaults Upon Senior Securities55Item4.Mine Safety Disclosures55Item5.Other Information55Item6.Exhibits56Signatures57 Cautionary NoteRegarding Forward-Looking Statements This Quarterly Report on Form10-Q contains a number of forward-looking statements within themeaning of Section27A of the Securities Act of 1933, as amended and Section21E of the SecuritiesExchange Act of 1934, as amended (the “Exchange Act”). These statements may be identified by useof words such as “annualized,” “anticipate,” “believe,” “continue,” “could,” “estimate,” “expect,”“intend,”“seek,”“may,”“outlook,”“plan,”“potential,”“predict,”“project,”“should,”“will,”“would” and similar terms and phrases, including references to assumptions. Examples of forward-looking statements include, but are not limited to, the proposed use of proceeds from any offering,possible or assumed estimates with respect to the financial condition, expected or anticipatedrevenue, and results of operations and our business, including earnings growth; revenue growth inretail banking, lending and other areas; origination volume in the consumer, commercial and otherlending businesses; current and future capital management programs; non-interest income levels,including fees from the title insurance subsidiary and banking services as well as product sales;tangiblecapital generation;market share;expense levels;and other business operations andstrategies. Forward-looking statements are based upon various assumptions and analyses made by DimeCommunity Bancshares,Inc. (together with its direct and indirect subsidiaries, the “Company”), inlight of management’s experience and its perception of historical trends, current conditions andexpectedfuture developments,as well as other factors it believes appropriate under thecircumstances. These statements are not guarantees of future performance and are subject to risks,uncertainties and other factors (many of which are beyond the Company’s control) that could causeactual conditions or results to differ materially from those expressed or implied by such forward-looking statements. Such factors include, without limitation, the following: ●increasesin competitive pressure among financial institutions or from non-f