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Dime Bank Rates & Review October 2026

Dime Bank's top rates as of October 14, 2026 are 4.00% APY on its 7-Months 7-Month Certificate of Deposit Account, 0.10% APY on savings, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Dime Bank CD rates include 7-Months Certificate of Deposit Account - 7-Month at 4.00%, Certificate of Deposit Account - 10-Month at 3.75%, and Flex Certificate of Deposit - 15-Month at 3.50%. MonitorBankRates evaluates the financial stability of Dime Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates last updated and verified on 10/14/2026.

Dime Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dime Bank? Share your experience about Dime Bank by leaving a review below, or read customer reviews before you decide to use Dime Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.37%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Dime Bank
290 Salem Tpke
Norwich, CT 06360
https://www.dime-bank.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Dime Bank CD Rates

Product Rate APY Term View More
7 Month Certificate of Deposit Account 3.92% 4.00% 7 Months
Min Deposit $5,000
Details Footnote *: New funds not currently on deposit with Dime Bank only; consumer customers need a Dime Checking Account with at least $2,000.00 balance at account opening; at maturity automatically renews into a 1 Year CD
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 7 month 3.92% 4.00% 7 Months
Min Deposit $5,000
Min Balance $0
Details New funds not currently on deposit with Dime Bank only. Consumer customers must have a Dime Checking Account with a balance of at least $2,000.00 at time of account opening; commercial customers must have a Dime Business Checking Account with a balance of at least $2,000.00. At maturity, will be automatically renewed into a 1 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 10 Month 3.68% 3.75% 10 Month
Min Deposit $500
Min Balance $0
Details Available to consumer and commercial customers. Must maintain a positive balance to earn APY. At maturity, will be automatically renewed into a 1 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Flex Certificate of Deposit - 15 Month 3.44% 3.50% 15 Month
Min Deposit $5,000
Min Balance $0
Details Not available for Retirement Funds; Minimum balance is $0.01 to earn interest; At maturity, will be automatically renewed into a 1 Year CD; Maximum deposit is $250,000.00; Consumer customers must have a Dime Bank consumer checking account; Commercial customers must have a Dime Bank business checking account
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 30 Month 2.52% 2.55% 30 Month
Min Deposit $500
Min Balance $0
Details At maturity, will be automatically renewed into a 3 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 14, 2026: 2.55% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 16 Month 2.47% 2.50% 16 Month
Min Deposit $5,000
Min Balance $0
Details Available to consumer and commercial customers. Must maintain a positive balance to earn APY. At maturity, will be automatically renewed into a 1 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 22 Month 2.37% 2.40% 22 Month
Min Deposit $500
Min Balance $0
Details At maturity, will be automatically renewed into a 2 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 2.40% APY
1.90%2.40%2.90%Oct 14, 2026: 2.40% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
5 Year Certificate of Deposit Account 0.40% 0.40% 5 Years
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 5 Years 0.40% 0.40% 5 Years
Min Deposit $500
Min Balance $0
Details Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
4 Year Certificate of Deposit Account 0.30% 0.30% 4 Years
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 24, 2026: 0.30% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 4 Years 0.30% 0.30% 4 Years
Min Deposit $500
Min Balance $0
Details Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 14, 2026: 0.30% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
3 Year Certificate of Deposit Account 0.25% 0.25% 3 Years
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 3 Years 0.25% 0.25% 3 Years
Min Deposit $500
Min Balance $0
Details Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
2 Year Certificate of Deposit Account 0.10% 0.10% 2 Years
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 18 Month 0.10% 0.10% 18 Month
Min Deposit $500
Min Balance $0
Details At maturity, will be automatically renewed into a 2 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 2 Years 0.10% 0.10% 2 Years
Min Deposit $500
Min Balance $0
Details Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
182 Day Certificate of Deposit Account 0.05% 0.05% 182 Days
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
30 Day Certificate of Deposit Account 0.05% 0.05% 30 Days
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
91 Day Certificate of Deposit Account 0.05% 0.05% 91 Days
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 1 Year 0.05% 0.05% 1 Year
Min Deposit $500
Min Balance $0
Details Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 182 Days 0.05% 0.05% 182 Days
Min Deposit $500
Min Balance $0
Details Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 30 Days 0.05% 0.05% 30 Days
Min Deposit $500
Min Balance $0
Details Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 91 Days 0.05% 0.05% 91 Days
Min Deposit $500
Min Balance $0
Details Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%

Dime Bank Savings Rates

Product Rate APY View More
Health Savings Account (HSA) 0.10% 0.10%
Min Deposit $25
Min Balance $0
Details Balance: $0.00 - $4,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Health Savings Account (HSA) 0.10% 0.10%
Min Deposit $25
Min Balance $5,000
Details Balance: $5,000.00 - $14,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Health Savings Account (HSA) 0.10% 0.10%
Min Deposit $25
Min Balance $15,000
Details Balance: $15,000.00 and up; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account 0.05% 0.05%
Min Deposit $500
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account 0.05% 0.05%
Min Deposit $500
Min Balance $250,000
Details Balance: $250,000.00 - $499,999.99; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account 0.05% 0.05%
Min Deposit $500
Min Balance $500,000
Details Balance: $500,000.00 and up; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated 10/14/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account 0.03% 0.03%
Min Deposit $500
Min Balance $20
Details Balance: $20.00 - $24,999.99; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account 0.03% 0.03%
Min Deposit $500
Min Balance $25,000
Details Balance: $25,000.00 - $99,999.99; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Regular Statement Savings Account 0.03% 0.03%
Min Deposit $25
Min Balance $20
Details Balance: $20.00 - $4,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Regular Statement Savings Account 0.03% 0.03%
Min Deposit $25
Min Balance $5,000
Details Balance: $5,000.00 - $24,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Regular Statement Savings Account 0.03% 0.03%
Min Deposit $25
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Regular Statement Savings Account 0.03% 0.03%
Min Deposit $25
Min Balance $50,000
Details Balance: $50,000.00 and up; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%

Dime Bank Checking Rates

Product Rate APY View More
Money Management Checking Account 0.05% 0.05%
Min Deposit $500
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99; Minimum check amount $500.00
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Money Management Checking Account 0.05% 0.05%
Min Deposit $500
Min Balance $250,000
Details Balance: $250,000.00 - $499,999.99; Minimum check amount $500.00
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Money Management Checking Account 0.05% 0.05%
Min Deposit $500
Min Balance $500,000
Details Balance: $500,000.00 and up; Minimum check amount $500.00
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Money Management Checking Account 0.03% 0.03%
Min Deposit $500
Min Balance $20
Details Balance: $20.00 - $24,999.99; Minimum check amount $500.00
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Money Management Checking Account 0.03% 0.03%
Min Deposit $500
Min Balance $25,000
Details Balance: $25,000.00 - $99,999.99; Minimum check amount $500.00
Last Updated 10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%

Dime Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit Special - - 6.25%
Details Current variable APR after the introductory period: Prime - 0.5% or 6.25% APR (floor 4.00%, maximum 15.00%); introductory APR is shown only as a template placeholder and is not printed; $25,000 minimum initial draw at closing; account closure fee 1% if closed within 36 months; $50 annual fee beginning 13th billing cycle; Consult tax advisor on interest deductibility
Last Updated 10/14/2026
Rate History
No change since Sep 27, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 27, 2026: 6.25% APRSep 27, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%

Financial Health History

Dime Bank’s Texas Ratio stayed near 1.01% in Q3 2023 to 1.37% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.9% 2.0★ 1.8% 3.0★ 2.7% 4.0★ 3.6% 5.0★ Healthy zone – entire history below the 15% limit 1.01% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.37% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.2B1.37%5.0A+
March 31, 2026$1.2B0.78%5.0A+
December 31, 2025$1.2B1.86%5.0A+
September 30, 2025$1.2B2.67%5.0A+
June 30, 2025$1.2B2.14%5.0A+
March 31, 2025$1.2B2.34%5.0A+
December 31, 2024$1.2B2.33%5.0A+
September 30, 2024$1.2B0.81%5.0A+
June 30, 2024$1.1B1.37%5.0A+
March 31, 2024$1.2B0.77%5.0A+
December 31, 2023$1.2B0.94%5.0A+
September 30, 2023$1.1B1.01%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Dime Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Dime Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dime Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Dime Bank
FDIC Certificate # 18200
Address 290 Salem Tpke, Norwich, CT 06360  ·  Southeastern Connecticut
Established 18690101
FDIC Insurance Date 19600701
Domestic Offices 14
Total Branches 14
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.37%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.9469%
Return on Equity (ROE) 8.5500%
Non-Performing Loans (NPL) 0.15%
Total Assets $1,205,489,000
Total Deposits $933,480,000
Equity Capital $136,480,000
Net Income $5,714,000
Headquarters Norwich
Total Branches and Offices 14
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Dime Bank earned the Verified Healthy badge

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Frequently Asked Questions About Dime Bank

How many branches does Dime Bank operate?

Dime Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Dime Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dime Bank provides members with tools to manage their accounts and build a solid financial history.

Does Dime Bank offer online and mobile banking?

Most modern institutions like Dime Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dime-bank.com.

Current Dime Bank Rates

  • 12-Month CD0.05%
  • 18-Month CD0.10%
  • 24-Month CD0.10%
  • 36-Month CD0.25%
  • 48-Month CD0.30%
  • 60-Month CD0.40%
  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.