迪募社区银行 2025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 Ended December31, 2025☐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) 898 Veterans Memorial Highway, Suite 560, Hauppauge, NY(Address of principal executive offices) 11788(Zip Code) Securities Registered Pursuant to Section12(b)of the Act: 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 the SecuritiesExchange Act of 1934 during the preceding twelvemonths (or for such shorter period that the registrant was required to file suchreports), 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, 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 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)) bythe 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-basedcompensation 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, 2025 was approximately $1.08billion based upon the $26.94 closing price on the NASDAQ National Market for a share of the registrant’s common stock onJune30, 2025. Table of Contents The registrant had 43,905,888 shares of common stock, $0.01 par value, outstanding as ofFebruary 13, 2026. DOCUMENTS INCORPORATED BY REFERENCEPortions of the definitive Proxy Statement to be distributed on behalf of the Board of Directors of Registrant in connection with theAnnual Meeting of Shareholders to be held on May28, 2026 and any adjournment thereof, are incorporated by reference in PartIII. TABLE OF CONTENTS PARTI Item1.Business 5Item1A.Risk Factors14Item1B.Unresolved Staff Comments22Item1C.Cybersecurity22Item2.Properties24Item3.Legal Proceedings24Item4.Mine Safety Disclosures24PARTIIItem5.Market for Registrant’s Common Equity, Related Stockholder Matters and IssuerPurchases of Equity Securities25Item6.[Reserved]26Item7.Management’s Discussion and Analysis of Financial Condition and Results ofOperations26Item7A.Quantitative and Qualitative Disclosures About Market Risk44Item8.Financial Statements and Supplementary Data47Item9.Changes in and Disagreements With Accountants on Accounting and FinancialDisclosure100Item9A.Controls and Procedures100Item9B.Other Information100Item 9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections101PARTIIIItem10.Directors, Executive Officers and Corporate Governance102Item11.Executive Compensation102Item12.Security Ownership of Certain Beneficial Owners and Management and RelatedStockholder Matters102Item13.Certain Relationships and Related Transactions, and Director Independence102Item14.Principal Accounting Fees and Services102PARTIVItem15.Exhibits, Financial Statement Schedules103Item16.Form10-K Summary108Signatures109 Cautiona