TellerScore

Dime Bank (FDIC certificate #18200) is based in Norwich, Connecticut. Its Q2 2026 call report shows $1.2B in total assets and $933.5M in deposits and 14 offices across 2 states.

Dime Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 8th. Problem-loan coverage contributes the most (97/100, 1.3%); funding & liquidity contributes the least (48/100, 100% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.76%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 100.2% · 26.0% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (67 → 72), mostly because the earnings component improved by 19 points.

TellerScore
656972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202467
Q1 202565
Q2 202567
Q3 202566
Q4 202566
Q1 202672
Q2 202672
Tier 1 leverage ratio
5.00%8.38%11.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.02%
Q3 202411.03%
Q4 202411.22%
Q1 202511.12%
Q2 202511.36%
Q3 202511.30%
Q4 202511.24%
Q1 202611.55%
Q2 202611.76%
Noncurrent loans
0.11%0.25%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.12%
Q4 20240.34%
Q1 20250.34%
Q2 20250.31%
Q3 20250.38%
Q4 20250.26%
Q1 20260.11%
Q2 20260.20%
Return on assets
0.28%0.61%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.46%
Q4 20240.44%
Q1 20250.28%
Q2 20250.48%
Q3 20250.57%
Q4 20250.47%
Q1 20260.82%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.2B11.76%0.20%0.95%100.2%
Q1 202672$1.2B11.55%0.11%0.82%97.6%
Q4 202566$1.2B11.24%0.26%0.47%99.2%
Q3 202566$1.2B11.30%0.38%0.57%95.2%
Q2 202567$1.2B11.36%0.31%0.48%93.4%
Q1 202565$1.2B11.12%0.34%0.28%89.0%
Q4 202467$1.2B11.22%0.34%0.44%88.0%
Q3 202468$1.2B11.03%0.12%0.46%87.0%
Q2 202467$1.1B11.02%0.18%0.34%90.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.76%
74th
Total risk-based capital16.14%
77th
Problem loans0.20%
77th
Net charge-offs0.32%
13th
Return on assets0.95%
27th
Net interest margin3.33%
28th
Efficiency ratio67.0%
28th
Loans to deposits100.2%
14th
Uninsured deposits26.0%
68th
Loan-loss reserves0.96%
27th
Texas ratio1.3%
80th

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Northwest Community BankBank Winsted, CT56 out of 100, Moderate$1.3B8.7%0.60%vs
Patriot Bank, National AssociationBank Stamford, CT36 out of 100, Low$1.3B9.6%2.75%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Ascend BankBank Guilford, CT66 out of 100, Moderate$1.5B9.7%0.50%vs
Ives BankBank Danbury, CT67 out of 100, Moderate$1.7B13.9%1.41%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs

Deposit insurance

Is my money safe at Dime Bank?

Yes. Dime Bank is an FDIC-insured institution (FDIC certificate #18200). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.0% of deposits ($242.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.14% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Dime Bank lists 14 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dime Bank reported 324 home-loan applications under HMDA (LEI 254900QY5ST0J7P6M123): 209 originated ($118,255,000 total), 78 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Dime Bank
Former names
The Dime Savings Bank of Norwich
Type
SI
FDIC certificate #
18200
RSSD ID
311603
Primary regulator
FDIC
Established
January 1, 1869
Headquarters
290 Salem Tpke, Norwich, CT 06360
Employees
159

Quick answers

Dime Bank: common questions

Is Dime Bank FDIC insured?

Yes. Dime Bank is an FDIC-insured institution (FDIC certificate #18200). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dime Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Dime Bank ever failed?

There is no failure record for FDIC certificate #18200 in the FDIC failed bank list.

How many branches does Dime Bank have?

14 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Norwich

InstitutionScoreAssetsCapitalProblem loansCompare
Lawrence Memorial Hospital Employee Federal Credit UnionCredit union New London, CT100 out of 100, Very strong$37.7M23.4%0.00%vs
Charter Oak Federal Credit UnionCredit union Waterford, CT85 out of 100, Very strong$1.7B12.5%0.50%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs
Dutch Point Credit UnionCredit union Wethersfield, CT77 out of 100, Strong$565.4M10.6%0.12%vs
Coreplus Federal Credit UnionCredit union Norwich, CT75 out of 100, Strong$676.5M11.0%0.39%vs