Dime Community Bancshares DCOM Capital Conservation Buffer
Capital Conservation Buffer at other companies
Other financials
Where this comes from
Reported directly by Dime Community Bancshares in its filing.
Tagged under the XBRL concept us-gaap:CapitalToRiskWeightedAssets.
The source filing: Dime Community Bancshares’s 10-K, filed February 20, 2026.
- Filed
- Feb 20, 2026, 5:01 PM EST
- Fiscal year
- FY2025
- Accession
- 0000846617-26-000013
Under the Basel III Capital Rules the Company and the Bank are subject to the following minimum capital to risk-weighted assets ratios: a) 4.5% based on common equity tier 1 capital ("CET1"); b) 6.0% based on tier 1 capital; and c) 8.0% based on total regulatory capital. A minimum leverage ratio (tier 1 capital as a percentage of total average assets) of 4.0% is also required under the Basel III Capital Rules. The Basel III Capital Rules additionally require institutions to retain a capital conservation buffer, composed of CET1, of 2.5% above these required minimum capital ratio levels. Including the capital conservation buffer, the Company and the Bank effectively have the following minimum capital to risk-weighted assets ratios: a) 7.0% based on CET1; b) 8.5% based on tier 1 capital; and c) 10.5% based on total regulatory capital.
Item 8. Financial Statements and Supplementary Data
FAQ
- What is Dime Community Bancshares's capital conservation buffer?
- Dime Community Bancshares (DCOM) reported capital conservation buffer of 8% in Q4 2025.
- How has Dime Community Bancshares's capital conservation buffer changed year-over-year?
- Dime Community Bancshares's capital conservation buffer decreased by 23.8% year-over-year, from 10.5% to 8%.
- What is the long-term trend for Dime Community Bancshares's capital conservation buffer?
- Over 5 years (2020 to 2025), Dime Community Bancshares's capital conservation buffer has grown at a -62.3% compound annual growth rate (CAGR), from 1,050% to 8%.
- What does capital conservation buffer mean?
- This is the mandatory capital held by a financial institution in excess of minimum regulatory requirements to absorb losses during periods of economic stress. It serves as a critical indicator of the bank's financial resilience and ability to maintain operations during market downturns. A robust buffer enhances investor confidence in the bank's solvency and capital adequacy.
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