迪募社区银行 2026年季度报告

Table of Contents 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 our 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 of ●increases in competitive pressure among financial institutions or from non-financial institutions;●inflation and fluctuation in market interest rates, which may affect demand for our products,interest margins and the fair value of financial instruments;●our net interest margin is subject to material short-term fluctuation based upon market rates;●changes in deposit flows or composition, loan demand or real estate values;●changes in the quality and composition of our loan or investment portfolios or unanticipated orsignificant increases in loan losses;●changes in accounting principles, policies or guidelines;●changes in corporate and/or individual income tax laws or policies;●general socio-economic conditions, including conditions caused by public health emergencies,international conflict, inflation and recessionary pressures, either nationally or locally in some orall areas in which the Company conducts business, or conditions in the securities markets or thebanking industry;●legislative, regulatory or policy changes, including any changes in the monetary policies of theU.S. Treasury and the Board of Governors of the Federal Reserve System;●the imposition of tariffs and the responses of third parties thereto, which may increase inflationarypressures;●changes in distribution of federal funds or freezing of federal funding or grants, which could havean adverse effect on the ability of consumers and businesses to pay debts or affect the demand forloans and deposits; Table of Contents ●other unexpected material adverse changes in our financial condition, operations or earnings.Accordingly, you should not place undue reliance on forward-looking statements. The Company has noobligation to update any forward-looking statements to reflect events or circumstances after the date of this DIME COMMUNITY BANCSHARES,INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) DIME COMMUNITY BANCSHARES,INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) Table of Contents DIME COMMUNITY BANCSHARES,INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)(Dollars in thousands) NOTESTO UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS 1. BASIS OF PRESENTATION Dime Community Bancshares, Inc. (the “Company”) is engaged in commercial banking and financialservices through its wholly-owned subsidiary, Dime Community Bank (“the Bank”). The Bank wasestablished in 1910 and is headquartered in Hauppauge, New York. The Company was incorporated underthe laws of the State of New York in 1988 to serve as the holding company for the Bank. The Companyfunctions primarily as the holder of all of the Bank’s common stock. Our bank operations also includeDime Abstract LLC (“Dime Abstract”), a wholly-owned subsidiary of the Bank, which is a broker of title The unaudited Consolidated Financial Statements presented in this Quarterly Report on Form 10-Qinclude the collective results of the Company and its wholly-owned subsidiary, the Bank, which are The accompanying unaudited Consolidated Financial Statements have been prepared in accordance withU.S. generally accepted accounting principles (“GAAP”) for interim financial information and with theinstructions to Form10-Q and Article10 of Regulation S-X. The unaudited Consolidated FinancialStatements included herein reflect all normal recurring adjustments that are, in the opinion of management,necessary for a fair presentation of the results for the interim periods presented. In preparing the interimfinancial statements, management has made estimates and assu