Core Viewpoint - Dime Community Bancshares, Inc. has received a revised ratings outlook from Kroll Bond Rating Agency from "Stable" to "Positive," reflecting the company's strong execution of strategic initiatives and improved financial metrics [1][2]. Financial Performance - Over the past two years, Dime has added $2 billion in core deposits, resulting in a favorable DDA mix that has led to lower deposit costs compared to most KBRA-rated peers [3]. - The inflow of liquidity has allowed Dime to significantly reduce wholesale funding and support loan diversification growth efforts [3]. Credit Quality - Dime has demonstrated long-standing outperformance in credit quality, with an average NCO ratio of 15 basis points since the global financial crisis, indicating a disciplined credit culture [4]. - The company has reported minimal problem loans, well-contained NCOs, and improving risk ratings [4]. Management Commentary - The President and CEO of Dime expressed satisfaction with the recognition of the company's progress in creating a high-quality balance sheet and the positive revision of the ratings outlook [5]. Company Overview - Dime Community Bancshares, Inc. is the holding company for Dime Community Bank, which has over $14 billion in assets and holds the number one deposit market share among community banks in Greater Long Island [5].