DCOM

• Record quarterly revenue of $126 million, driven by net interest margin expansion to 3.28% from 2.98% a year ago.
• Business loans grew $280.8 million linked quarter and $743.0 million year-over-year; core deposits (excluding brokered and time) rose $948.3 million YoY.
• Non-performing assets declined 28% linked quarter to $69.0 million, representing 0.46% of total assets.
• Company plans to resume share buybacks in Q3 2026, citing strong capital position and lower CRE concentration.

2.02 Results of Operations and Financial Condition · 9.01 Financial Statements and Exhibits

• On July 23, 2026, Dime Commercial Bancshares, Inc. announced a quarterly cash dividend of $0.34375 per share on its 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A.
• The announcement was made by the Board of Directors and disclosed under Item 8.01 (Other Events) with the press release furnished as Exhibit 99.1.
• The company is the holding company for Dime Commercial Bank, a New York State-chartered trust company with approximately $15 billion in assets.
• The report was signed by Avinash Reddy, Senior Executive Vice President, Chief Operating Officer and Chief Financial Officer.

8.01 Other Events · 9.01 Financial Statements and Exhibits

• On June 25, 2026, Dime Commercial Bancshares, Inc. announced its Board of Directors declared a quarterly cash dividend of $0.25 per common share.
• The dividend is payable on July 24, 2026 to stockholders of record as of July 17, 2026.
• The press release announcing the dividend was attached as Exhibit 99.1 and furnished, not filed, with the SEC.
• The report was filed under Item 8.01 (Other Events) because the dividend declaration is not a required disclosure item.

8.01 Other Events · 9.01 Financial Statements and Exhibits

• The agreements remove perquisite allowances of $100,000 for Lubow and $50,000 each for Reddy and Geisel, adding those amounts to their base salaries.
• Lubow's agreement also adds company contributions to the defined benefit portion of the Supplemental Executive Retirement Plan to severance payments for termination without cause or for good reason.
• The company changed its name from Dime Community Bancshares, Inc. to Dime Commercial Bancshares, Inc., effective May 28, 2026.
• Shareholders elected 11 directors and approved ratification of Crowe LLP as auditor, executive compensation, and the name change at the annual meeting.

5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements · 5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year · 5.07 Submission of Matters to a Vote of Security Holders · 9.01 Financial Statements and Exhibits

• On May 27, 2026, Dime Community Bancshares, Inc. made a financial presentation available to investors for its Annual Meeting of Shareholders.
• The information is furnished under Item 8.01 and is not deemed 'filed' under the Securities Exchange Act of 1934.
• The report was signed by Avinash Reddy, Senior Executive Vice President, Chief Operating Officer and Chief Financial Officer.

8.01 Other Events

• Net interest margin expanded to 3.21% in Q1 2026 from 3.11% in Q4 2025 and 2.95% in Q1 2025.
• Core deposits (excluding brokered and time deposits) increased $999.3 million year-over-year; business loans grew $575.6 million year-over-year.
• The efficiency ratio improved to 50.8% in Q1 2026 from 52.6% in Q4 2025.
• The company redeemed all $40 million of its Fixed/Floating Subordinated Debentures due 2030 on March 30, 2026.

2.02 Results of Operations and Financial Condition · 9.01 Financial Statements and Exhibits

• On April 23, 2026, Dime Community Bancshares' Board declared a quarterly cash dividend of $0.34375 per share on its 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A.
• The announcement was made via a press release dated April 23, 2026, which is attached as Exhibit 99.1 to the 8-K filing.
• The report was filed under Item 8.01 (Other Events) because the dividend declaration is not a required item but was disclosed voluntarily.
• Dime Community Bancshares is a New York State-chartered trust company with approximately $15 billion in assets.

8.01 Other Events · 9.01 Financial Statements and Exhibits

• On March 25, 2026, Dime Community Bancshares, Inc. announced a quarterly cash dividend of $0.25 per common share.
• The company stated it continues its trend of uninterrupted dividends.
• The announcement was made via a press release attached as Exhibit 99.1 to the Form 8-K.
• The report was filed under Item 8.01 (Other Events) and Item 9.01 (Financial Statements and Exhibits).

8.01 Other Events · 9.01 Financial Statements and Exhibits