迪募社区银行 2026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 the SecuritiesExchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant was required 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 submitted pursuantto Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12months (or for such shorter period that the registrantwas 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” “smaller reportingcompany” 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, 2026 and December31, 20255Consolidated Statements of Operations for the Three Months Ended March 31, 2026 and 20256Consolidated Statements of Comprehensive Income for the Three Months Ended March 31, 2026 and20257Consolidated Statements of Changes in Stockholders’ Equity for the Three Months Ended March 31,2026 and 20258Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2026 and 20259Notesto Unaudited Condensed Consolidated Financial Statements10Item2.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 Equity Securities55Item3.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 the meaningof Section27A of the Securities Act of 1933, as amended and Section21E of the Securities Exchange Actof 1934, as amended (the “Exchange Act”). These statements may be identified by use of words such as“annualized,” “anticipate,” “believe,” “continue,” “could,” “estimate,” “expect,” “intend,” “seek,” “may,”“outlook,” “plan,” “potential,” “predict,” “project,” “should,” “will,” “would” and similar terms andphrases, including references to assumptions. Examples of forward-looking statements include, but are notlimited to, the proposed use of proceeds from any offering, possible or assumed estimates with respect tothe financial condition, asset quality, expected or anticipated revenue, and results of operations and ourbusiness, including earnings growth; revenue growth in retail banking, lending and other areas; originationvolume in the consumer, commercial and other lending businesses; current and future capital managementprograms; non-interest income levels, including fees from the title insurance subsidiary and bankingservices as well as product sales; tangible capital generation; market share; expense levels; and otherbusiness operations and strategies. Forward-looking statements are based upon various assumptions and analyses made by Dime CommunityBancshares,Inc.(together with its direct and indirect subsidiaries,the“Company”),in light ofmanagement’s experience and its perception of historical trends, current conditions and expected futuredevelopments, as well as other factors it believes appropriate under the circumstances. These statementsare not guarantees of future performance and are subject to risks, uncertainties and other factors (many ofwhich are beyond the Company’s control) that could cause actual conditions or results to differ materiallyfrom those expressed or implied by such forward-looking statements. Such factors include, withoutlimitation, the following: ●increases in competitive pressure among fina