MEDIUMBuilt-inLoan_portfolio
30.1%
business loans
“10-K Item 1A: 'our portfolio of business loans totaled $3.24 billion, or 30.1% of our total loan portfolio'”
DCOM · Concentration risk · 10-K extracted
Dime Commercial Bancshares (DCOM) concentration risks
Updated
The most significant concentration Dime Commercial Bancshares discloses is business loans at 30.1%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Dime Commercial Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH0
MEDIUM3
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
27.3%
non-owner occupied commercial real estate
“10-K Item 1A: 'our portfolio of non-owner occupied commercial real estate totaled $2.93 billion, or 27.3% of our total loan portfolio'”
MEDIUMBuilt-inGeographic
Greater Long Island and Manhattan real estate loans
“10-K Item 1A: 'our loan portfolio consists primarily of real estate loans secured by commercial, multi-family and residential real estate properties located in Greater Long Island and Manhattan'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06DCOM's concentration exposures are structural, tied to loan-portfolio composition and geography rather than any single counterparty. Business loans make up approximately 30.1% of the total loan portfolio, and non-owner occupied commercial real estate represents approximately 27.3% — together making up more than half the book, both medium-band structural exposures reflecting the bank's commercial lending focus. Layered on top is a geographic concentration: the loan portfolio consists primarily of real estate loans secured by commercial, multi-family, and residential properties located in Greater Long Island and Manhattan, a medium-band structural exposure that ties credit performance to a single, densely-packed metropolitan real estate market rather than a nationally diversified footprint. None of the disclosed exposures are dependency-type on a named borrower or vendor, so the risk here is less about a specific counterparty failing and more about how a downturn in New York City-area commercial or multi-family real estate — a market sensitive to office vacancy trends, rent regulation, and local economic conditions — would flow through a loan book that is both business-loan-heavy and geographically concentrated in one metro area.
For the engine’s reasoning on DCOM’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| DCOM● | Dime Commercial Bancshares, Inc | 0 | 3 | 0 | 3 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.