# Dime Commercial Bancshares vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/dime/vs-peers
Last updated: Oct 19, 2026

*Part of the [Dime Commercial Bancshares AI strategy profile](https://www.bankingnewsai.com/banks/dime). Peer group: ConnectOne Bancorp, Flagstar Bank, Valley National Bancorp, OceanFirst Financial Corp., Customers Bancorp, Webster Bank, NBT Bancorp, Community Financial System (Community Bank, N.A.).*

## How does Dime Commercial Bancshares compare with its peers on AI and technology?

On this site's AI disclosure index Dime scores 10.5 (#102 of 120 US banks), ninth in a nine-bank group of New York-area and New York State banks. The group is led by Valley (76.6), Customers (75.5), Webster (68.7) and Flagstar (65.3). Dime's one named AI deployment is in compliance. In June 2025 it selected Quantifind's AI risk-intelligence platform for payments sanctions screening, a year before Customers reported piloting AI to clear OFAC false positives in July 2026. Its peers have gone further inside the bank. OceanFirst put Microsoft Copilot in the hands of about 150 employees and says complex anti-money-laundering cases fell from six hours or more to about five minutes. ConnectOne's nCino Banking Advisor cut document search from about 20 minutes to 30 seconds. Valley says AI has produced about $15 million of run-rate savings against $3 million to $4 million of new AI expense. Dime names no AI tool for staff, no AI budget and no AI leader; none of the 14 executive officers in its 2026 proxy holds an AI or data title. Its 2025 10-K, filed February 20, 2026, added a full AI risk factor that names 'digital redlining'. On cost, Dime's core efficiency ratio fell to 49.9% in Q2 2026, below Valley's 52.1%, and management credited hiring and contract renegotiation rather than technology. ([Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm))

## Where does Dime lead its peers on AI?

- **AI in sanctions screening a year before Customers.** Dime selected Quantifind's AI-powered risk intelligence platform for payments sanctions screening in June 2025, after a competitive evaluation. Customers Bank, which scores far higher on this site's index, reported piloting AI-powered KYC screening and OFAC false-positive clearing only in its Q2 2026 results, in July 2026. ([Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026))
- **A leaner cost base than Valley.** Dime's core efficiency ratio fell to 49.9% in Q2 2026 on record revenue of $126 million. Valley, which reports about $15 million of AI run-rate savings, ran a 52.1% non-GAAP efficiency ratio in the same quarter. Dime attributes its improvement to hiring that is paying back and to renegotiated contracts, not to AI. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html))
- **A more specific AI risk factor than NBT's filings.** Dime's 2025 10-K added a full AI and machine-learning risk factor covering hallucinations, data security, 'digital redlining' and dependence on third-party AI vendors, and its board includes Judith Germano, who advises companies on cybersecurity and AI governance. NBT's Q1 and Q2 2026 10-Qs contain no AI mention. ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126020019/ef20070440_10q.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm))

## Where does Dime trail its peers on AI?

- **No staff AI tools while OceanFirst and ConnectOne report results.** Dime names no employee AI assistant. OceanFirst onboarded about 150 employees to Microsoft Copilot and says complex AML due-diligence cases fell from six hours or more to about five minutes, and ConnectOne says nCino's Banking Advisor cut document search by 97.5%, with active users up 41% in ten weeks. ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html))
- **No AI owner among 14 executive officers.** Dime's 2026 proxy lists 14 executive officers, none with an AI or data title; technology sits with Chief Technology and Operations Officer Michael Fegan. Community Bank N.A. has more than a dozen staff working on AI, and Flagstar runs StarIQ, an internal AI component of its S2 platform, used most by risk management and marketing. ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm), [Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile))
- **No AI savings figure while Valley counts its return.** Dime discloses no AI spending or savings. Valley reported about $15 million of run-rate savings from AI against $3 million to $4 million of new AI-associated expense year to date (July 2026), and says it is replacing three vendor contracts with AI. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/))
- **AI absent from its calls and quarterly filings.** Dime's Q4 2025 and Q2 2026 earnings calls contain no AI remarks, and its Q1 and Q2 2026 10-Qs add no AI language. OceanFirst ties further operating-leverage gains after its Flushing acquisition to AI-driven automation, and Community Bank N.A. reports more than 200,000 hours saved by automation over three years. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/21/dime-community-dcom-q4-2025-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000030/dcom-20260331x10q.htm), [Dime Commercial Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000043/dcom-20260630x10q.htm), [Yahoo Finance](https://finance.yahoo.com/quote/OCFC/earnings/OCFC-Q2-2026-earnings_call-654444.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/community-financial-system-q4-earnings-174045425.html))

## Where does Dime rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | [76.6](https://www.bankingnewsai.com/banks/ai-index) | #26 of 120 | [11](https://www.bankingnewsai.com/banks/valley#sources) | [22](https://www.bankingnewsai.com/banks/valley#sources) | [13 of 17](https://www.bankingnewsai.com/banks/valley#where) | [22](https://www.bankingnewsai.com/banks/valley#timeline) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #29 of 120 | [13](https://www.bankingnewsai.com/banks/customers#sources) | [20](https://www.bankingnewsai.com/banks/customers#sources) | [11 of 16](https://www.bankingnewsai.com/banks/customers#where) | [23](https://www.bankingnewsai.com/banks/customers#timeline) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #37 of 120 | [14](https://www.bankingnewsai.com/banks/webster#sources) | [17](https://www.bankingnewsai.com/banks/webster#sources) | [7 of 11](https://www.bankingnewsai.com/banks/webster#where) | [24](https://www.bankingnewsai.com/banks/webster#timeline) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) |
| [Flagstar Bank](https://www.bankingnewsai.com/banks/flagstar) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #41 of 120 | [14](https://www.bankingnewsai.com/banks/flagstar#sources) | [12](https://www.bankingnewsai.com/banks/flagstar#sources) | [8 of 14](https://www.bankingnewsai.com/banks/flagstar#where) | [24](https://www.bankingnewsai.com/banks/flagstar#timeline) | Flagstar S2 Platform and StarIQ ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers)) |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | [44.6](https://www.bankingnewsai.com/banks/ai-index) | #65 of 120 | [9](https://www.bankingnewsai.com/banks/connectone#sources) | [12](https://www.bankingnewsai.com/banks/connectone#sources) | [7 of 10](https://www.bankingnewsai.com/banks/connectone#where) | [14](https://www.bankingnewsai.com/banks/connectone#timeline) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | [41.9](https://www.bankingnewsai.com/banks/ai-index) | #68 of 120 | [4](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [24](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [9 of 12](https://www.bankingnewsai.com/banks/community-bank-na#where) | [12](https://www.bankingnewsai.com/banks/community-bank-na#timeline) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | [40.5](https://www.bankingnewsai.com/banks/ai-index) | #70 of 120 | [4](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [16](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [9 of 16](https://www.bankingnewsai.com/banks/oceanfirst#where) | [15](https://www.bankingnewsai.com/banks/oceanfirst#timeline) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) |
| [NBT Bancorp](https://www.bankingnewsai.com/banks/nbt) | [14.1](https://www.bankingnewsai.com/banks/ai-index) | #100 of 120 | [3](https://www.bankingnewsai.com/banks/nbt#sources) | [15](https://www.bankingnewsai.com/banks/nbt#sources) | [6 of 8](https://www.bankingnewsai.com/banks/nbt#where) | [12](https://www.bankingnewsai.com/banks/nbt#timeline) | Not disclosed |
| [Dime Commercial Bancshares (this page)](https://www.bankingnewsai.com/banks/dime) | [10.5](https://www.bankingnewsai.com/banks/ai-index) | #102 of 120 | [3](https://www.bankingnewsai.com/banks/dime#sources) | [13](https://www.bankingnewsai.com/banks/dime#sources) | [2 of 8](https://www.bankingnewsai.com/banks/dime#where) | [13](https://www.bankingnewsai.com/banks/dime#timeline) | Not disclosed |

## On which parts of the AI record is Dime ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Dime and the 8 peers that are scored on the same basis. "Place" is Dime's position in the group of 9 (1st = most).

| Component (weight) | Dime | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 3 | 10 | [Flagstar (14)](https://www.bankingnewsai.com/banks/flagstar) | 8th of 9 |
| Use cases in production (10%) | 2 | 8.5 | [Valley (13)](https://www.bankingnewsai.com/banks/valley) | 9th of 9 |
| Own primary disclosures (10%) | 13 | 16.5 | [Community Bank N.A. (24)](https://www.bankingnewsai.com/banks/community-bank-na) | 7th of 9 |
| Dated moves, last 12 months (10%) | 13 | 18.5 | [Flagstar (24)](https://www.bankingnewsai.com/banks/flagstar) | 7th of 9 |
| Disclosed numbers (5%) | 10 | 14 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 8th of 9 |
| Named AI leaders (5%) | 4 | 7.5 | [Webster (17)](https://www.bankingnewsai.com/banks/webster) | 9th of 9 |
| Use cases described (5%) | 8 | 13 | [Valley (17)](https://www.bankingnewsai.com/banks/valley) | 8th of 9 |

## What has each bank in Dime's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | Not disclosed | [4, incl. Stuart Lubow (President and CEO)](https://www.bankingnewsai.com/banks/dime#people) ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) | Executive officers in the 2026 proxy with an AI or data title: 0 of 14 (one technology and operations officer) (Apr 13, 2026) ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm)) | Not disclosed | Not surveyed |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | [6, incl. Frank Sorrentino III (Chairman and CEO)](https://www.bankingnewsai.com/banks/connectone#people) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | Banking Advisor active users: Up 41% in 10 weeks (Jul 14, 2026) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) | Not disclosed | Not surveyed |
| [Flagstar Bank](https://www.bankingnewsai.com/banks/flagstar) | Flagstar S2 Platform and StarIQ ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers)) | [11, incl. Joseph Otting (Executive Chairman and CEO)](https://www.bankingnewsai.com/banks/flagstar#people) ([American Banker](https://americanbanker.com/news/flagstar-is-back-in-the-black-after-eight-quarters-of-losses), [Banking Dive](https://www.bankingdive.com/news/flagstar-otting-extend-compensation-succession-raffetto-smith-co-president-nguyen-sullivan-menefee/820741/), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000053/flg-leadershipsuccession.htm)) | Not disclosed | 1 patent listed on the profile, e.g. US 8,239,255 B2 (Consumer incentive system and business method) ([Google Patents (USPTO)](https://patents.google.com/patent/US8239255B2/en)) | Not surveyed |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) | [14, incl. Ira Robbins (Chairman and CEO)](https://www.bankingnewsai.com/banks/valley#people) ([Valley National Bancorp](https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf)) | Vendor contracts being replaced by AI: 3 (Jul 10, 2026) ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) | Not disclosed | Not surveyed |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | [8, incl. Christopher D. Maher (Chief Executive Officer)](https://www.bankingnewsai.com/banks/oceanfirst#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-oceanfirst-q1-2026-beats-eps-forecasts-minor-revenue-miss-93CH-4636324), [OceanFirst Financial Corp. (investor relations)](https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus)) | Employees onboarded to Microsoft Copilot: About 150 (Dec 11, 2025) ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | Not disclosed | Not surveyed |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) | [7, incl. Sam Sidhu (President and CEO, Customers Bancorp)](https://www.bankingnewsai.com/banks/customers#people) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/cubi-q1-2026-earnings-transcript-164432008.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm)) | Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/customers#roles) |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) | [17, incl. John Ciulla (CEO, Santander Bank, N.A.)](https://www.bankingnewsai.com/banks/webster#people) ([Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/), [Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/)) | Group business value targeted from data and AI (Santander): > €1 billion a year by 2028 (cost savings plus revenues) (Feb 25, 2026) ([Banco Santander (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm)) | Not disclosed | Not surveyed |
| [NBT Bancorp](https://www.bankingnewsai.com/banks/nbt) | Not disclosed | [6, incl. Scott A. Kingsley (President and CEO)](https://www.bankingnewsai.com/banks/nbt#people) ([NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf), [NBT Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2024/05/21/2885872/15780/en/NBT-Bancorp-Inc-Completes-Leadership-Transition.html)) | Full-time equivalent employees: 2,303 (Dec 31, 2025) ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm)) | Not disclosed | Not surveyed |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) | [5, incl. Dimitar A. Karaivanov (President and CEO)](https://www.bankingnewsai.com/banks/community-bank-na#people) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [American Banker](https://www.americanbanker.com/news/new-york-bank-doubles-down-on-insurance-with-big-investment)) | Staff working on AI: > 12, a handful fully dedicated (Jul 28, 2026) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Dime and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 9, 2026 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Third-quarter 2026 results set for 23 October ([Flagstar Bank (PR Newswire)](https://prnewswire.com/news-releases/flagstar-bank-na-to-report-third-quarter-2026-earnings-and-host-conference-call-on-october-23rd-302902712.html)) |
| Sep 29, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Robbins on CNBC: AI agents not a threat to regional banks ([CNBC](https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html)) |
| Sep 28, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Bluevine acquired for $340 million to accelerate the AI roadmap ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Banking Dive](https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/)) |
| Sep 21, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Flushing digital banking customers scheduled to move to OceanFirst platforms ([OceanFirst Bank](https://oceanfirst.com/hubfs/FlushingConversionDigitalBankingDates.pdf), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/)) |
| Aug 21, 2026 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Pope ties the real-time core to fraud and AI ([Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Integration plan: one platform by end-2027 ([American Banker](https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Webster Bank, N.A. merges into Santander Bank, N.A. ([Webster Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000119312526357758/d919931d8k.htm)) |
| Aug 12, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | New Jersey push ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) |
| Aug 7, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 10-Q: AI applications again cited for data-processing growth ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926092717/cbu-20260630x10q.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Aug 7, 2026 | [NBT](https://www.bankingnewsai.com/banks/nbt) | Q2 2026 10-Q: no AI language ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126020019/ef20070440_10q.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm)) |
| Aug 7, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 10-Q: no AI language ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000068/cubi-20260331.htm)) |
| Aug 7, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Q2 2026 10-Q lists AI adoption among operational risks ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000120/ocfc-20260630.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000052/ocfc-20260331.htm)) |
| Aug 4, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Q1 and Q2 2026 10-Qs carry no AI language ([ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926014866/cnob20260331_10q.htm), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926025623/cnob20260630_10q.htm)) |
| Jul 31, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | Q2 2026 10-Q has no AI text ([Dime Commercial Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000043/dcom-20260630x10q.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm)) |
| Jul 28, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 call: headcount flat, AI impact to be known in about six months ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Jul 28, 2026 | [NBT](https://www.bankingnewsai.com/banks/nbt) | Q2 2026 call: technology investment in the expense outlook ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/nbt-bancorp-inc-q2-2026-123000382.html)) |
| Jul 24, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 call: underwriting, KYC and close-cycle results ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |
| Jul 23, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Second-quarter 2026 results ([ConnectOne Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/23/3331988/25238/en/ConnectOne-Bancorp-Inc-Reports-Second-Quarter-2026-Results.html)) |

## What AI have Dime's peers put into use?

The AI work each bank has described, with the scale disclosed and the date. A blank means nothing is disclosed, not that nothing exists.

| Bank | What it has | When | Scale or result disclosed |
| --- | --- | --- | --- |
| Dime | Quantifind AI risk intelligence for payments sanctions screening | June 2025 | Not disclosed ([Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html)) |
| ConnectOne | nCino Banking Advisor and custom agents on nCino's Agentic Operating System | July 2026 | Document search from about 20 minutes to 30 seconds; 2 custom agents and 16 skills; goal of 50% more productive frontline bankers ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) |
| OceanFirst | Microsoft Copilot, an Automation Transformation Office and a Databricks data layer | December 2025 | About 150 Copilot users; AML enhanced due-diligence cases from 6+ hours to about 5 minutes ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) |
| Valley | Valley's AI Assistant with tiered access; AI replacing vendor contracts | July 2026 | About $15 million of run-rate savings vs $3-4 million of new AI expense ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) |
| Flagstar | StarIQ inside the S2 platform, orchestrating Claude, Llama, Mistral and Titan models | Early 2026 | 4 foundation models; one of 12 S2 components ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile)) |
| Customers | OpenAI collaboration; AI KYC screening and OFAC false-positive clearing | April and July 2026 | 600+ agents; 46,000+ self-reported hours saved ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm)) |
| Community Bank N.A. | An internal AI team inside a diversified model | July 2026 | More than 12 staff working on AI; 200,000+ hours saved by automation over three years ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/community-financial-system-q4-earnings-174045425.html)) |

## How does Dime's compliance AI compare with its peers'?

Sanctions, KYC and anti-money-laundering is where Dime's only named AI sits. What each bank has disclosed in this area.

| Bank | Compliance AI disclosed | Date | Result disclosed |
| --- | --- | --- | --- |
| Dime | Quantifind AI-powered risk intelligence for payments sanctions screening, chosen after a competitive evaluation; the CTO called it 'a significant advancement in our compliance capabilities' | June 4, 2025 | Not disclosed ([Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html)) |
| OceanFirst | Microsoft Copilot for AML enhanced due diligence | December 2025 | 100 to 200 cases a day; complex cases from six hours or more to about five minutes ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) |
| Customers | AI-powered KYC screening and OFAC false-positive clearing | July 2026 | KYC team productivity up 50% ([Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |
| Flagstar | StarIQ trained on compliance procedures; heaviest users include risk management | July 2026 | Not disclosed ([American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile)) |
| Valley | Tiered AI access governed centrally; about 80 of 3,600 employees with open AI access | July 2026 | Not disclosed for compliance ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) |

## How does Dime's technology spending and efficiency compare with its peers'?

Each bank's efficiency ratio or technology expense as disclosed, with the period. None publishes a stand-alone AI budget except Valley's AI savings estimate.

| Bank | Efficiency or expense disclosed | Technology signal | Period |
| --- | --- | --- | --- |
| Dime | Core efficiency ratio 49.9%; core cash operating expenses guided to $130-131 million for the second half | Credits hiring that pays back and renegotiated contracts | Q2 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039)) |
| Valley | Non-GAAP efficiency ratio 52.1% (55.2% a year earlier) | Technology, furniture and equipment expense $33.2 million, up about 8.4% | Q2 2026 ([Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/exhibit991earningsrelease0.htm)) |
| Flagstar | Operating expense $868 million in the first half, down 10% | Software expense $96 million in the first half, up 20%; $40-45 million a year expected from core consolidation | H1 2026 ([Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm), [Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/)) |
| NBT | 2026 operating expense growth guided to 2.5% to 3% | Technology and data services $11.85 million (Q2 2025: $10.80 million) | Q2 2026 ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/nbt-bancorp-inc-q2-2026-123000382.html), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/ef20078819_ex99-1.htm)) |
| Community Bank N.A. | Q2 noninterest expense $137.7 million, up 6.7% | Data processing and communications $19.7 million, up from $16.7 million, with AI among the drivers earlier in the year | Q2 2026 ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926050927/tm2613014d1_ex99-1.htm)) |
| OceanFirst | Q3 2026 operating expense guided to $120-125 million | Includes about $2 million one-time for a new digital banking platform | July 2026 ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/)) |

## Which banks are Dime's peers, and why these?

Dime Commercial Bancshares is compared here with ConnectOne Bancorp, Flagstar Bank, Valley National Bancorp, OceanFirst Financial Corp., Customers Bancorp, Webster Bank, NBT Bancorp and Community Financial System (Community Bank, N.A.): chosen by the editors for this page (see the note below the table). Dime Commercial Bancshares is classed as a regional or retail-commercial bank in the Northeast.

The computed group mixed in banks from Texas, Wisconsin, Massachusetts and Pennsylvania; this group holds the commercial banks Dime meets in the New York metro area (ConnectOne after buying The First of Long Island, Flagstar, Valley, OceanFirst after buying Flushing Financial, Customers and Webster), plus NBT and Community Bank N.A., New York community banks of similar size.

## Common questions

### Does Dime Community Bank use AI?

In one disclosed place. Dime, now Dime Commercial Bank, selected Quantifind's AI risk-intelligence platform for payments sanctions screening in June 2025. It names no AI assistant for staff or customers, no AI budget and no AI leader, and its 2025 10-K describes AI uses such as credit scoring and customer service only as potential models. ([Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm))

### Is Dime behind Valley National on AI?

On the record, yes: Valley scores 76.6 on this site's disclosure index against Dime's 10.5. Valley reports an AI assistant with tiered access, about $15 million of AI run-rate savings and its pending purchase of Bluevine, whose code is mostly AI-generated. Dime's AI on record is sanctions screening, though its Q2 2026 efficiency ratio was lower than Valley's. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm))

### How does Dime compare with ConnectOne on technology?

ConnectOne, a New Jersey business bank that bought The First of Long Island in 2025, runs nCino's Banking Advisor and custom AI agents, and reports document search cut from about 20 minutes to 30 seconds. Dime discloses no comparable staff AI; its named deployment is Quantifind sanctions screening. ([ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html))

### Who runs technology at Dime?

Michael Fegan, Senior Executive Vice President and Chief Technology and Operations Officer, is the only technology role among the 14 executive officers in the 2026 proxy. The CISO reports to Chief Risk Officer Christopher Porzelt, and an Enterprise Risk Management Committee includes the CEO, the COO/CFO and the CTO. No AI or data officer is named. ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm))

### Why did Dime rename itself Dime Commercial Bank?

Dime Community Bank became Dime Commercial Bank on June 2, 2026, reflecting a business mix that the CEO puts at about 75% commercial deposits and 60% commercial loans. The change came with a push into New Jersey, starting with a Lakewood branch, and an equipment and franchise finance specialty. ([Dime Community Bank](https://www.dime.com/rebrand), [American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/dime-community-bancshares-inc-q2-123000450.html))

### How does Dime's efficiency compare with its peers?

Dime's core efficiency ratio fell to 49.9% in Q2 2026, below Valley's 52.1% non-GAAP ratio in the same quarter. Dime credits hiring that is paying back and renegotiated contracts. Valley credits part of its improvement to AI, reporting about $15 million of run-rate savings against $3 million to $4 million of new AI expense. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html))

### Does Dime have an AI policy or AI governance?

Its 2025 10-K added a dedicated AI and machine-learning risk factor covering operational and model risk, data security, regulatory risk including 'digital redlining', third-party vendors and reputational harm. Director Judith Germano advises companies on cybersecurity and AI governance. Dime has not described a separate AI committee or acceptable-use policy. ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm))

## Peers on this site

- [ConnectOne Bancorp AI strategy](https://www.bankingnewsai.com/banks/connectone) · [vs peers](https://www.bankingnewsai.com/banks/connectone/vs-peers)
- [Flagstar Bank AI strategy](https://www.bankingnewsai.com/banks/flagstar) · [vs peers](https://www.bankingnewsai.com/banks/flagstar/vs-peers)
- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)
- [OceanFirst Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/oceanfirst) · [vs peers](https://www.bankingnewsai.com/banks/oceanfirst/vs-peers)
- [Customers Bancorp AI strategy](https://www.bankingnewsai.com/banks/customers) · [vs peers](https://www.bankingnewsai.com/banks/customers/vs-peers)
- [Webster Bank AI strategy](https://www.bankingnewsai.com/banks/webster) · [vs peers](https://www.bankingnewsai.com/banks/webster/vs-peers)
- [NBT Bancorp AI strategy](https://www.bankingnewsai.com/banks/nbt) · [vs peers](https://www.bankingnewsai.com/banks/nbt/vs-peers)
- [Community Financial System (Community Bank, N.A.) AI strategy](https://www.bankingnewsai.com/banks/community-bank-na) · [vs peers](https://www.bankingnewsai.com/banks/community-bank-na/vs-peers)

## Sources

1. Dime Community Bank Selects Quantifind to Strengthen Sanctions Screening in Payments — Quantifind (PR Newswire), Jun 4, 2025. https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html
2. Customers Bancorp Reports Results for Second Quarter 2026 — Customers Bancorp (Business Wire via Morningstar), Jul 23, 2026. https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026
3. How OceanFirst uses AI to investigate crime, analyze bonds — American Banker, Dec 11, 2025. https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds
4. ConnectOne Bank is Building the Future of Commercial Lending on nCino’s Agentic Operating System — nCino (GlobeNewswire), Jul 14, 2026. https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html
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21. Nickolaus Lachman, SVP, Head of AI & Data Science, Valley Bank (Digital Banking speaker profile) — American Banker, Apr 15, 2026. https://digital-banking.americanbanker.com/profile/nickolas-lachman
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23. OpenAI will embed staff at Customers Bank under multiyear deal — American Banker, Apr 27, 2026. https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal
24. Customers Bancorp Q4 2025 Investor Presentation — Customers Bancorp, Jan 22, 2026. https://customersbank.com/pdf/260122-presentation.pdf
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26. Webster Bank Implements Prolific Banking's FI-Streams Connector to Enable Commercial Client Financial Data Connectivity — Business Wire via FT Markets, Jun 11, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1
27. Impact Makers Award Winners – Q2 2026 — Webster Bank, Jun 10, 2026. https://websterbank.com/impact-makers-award-winners
28. Santander to buy Webster for $12.3B — Banking Dive, Feb 3, 2026. https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/
29. Flagstar Bank Announces Proprietary Technology Transformation — Flagstar Bank, Jun 15, 2026. https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx
30. Flagstar CIO: Proprietary tech creates 'optionality' — Banking Dive, Jun 22, 2026. https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/
31. How Flagstar Bank integrated its acquired data centers — American Banker, Jun 30, 2026. https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers
32. How ConnectOne Bank uses AI to save time on admin work — American Banker, Jul 14, 2026. https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work
33. Community Financial System, Inc. Reports Second Quarter 2026 Results (Form 8-K, Exhibit 99.1) — Community Financial System (SEC filings), Jul 28, 2026. https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm
34. Your Business and AI: What You Need to Know — Community Bank, N.A., Aug 5, 2024. https://cbna.com/blog/business/your-business-and-ai
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37. New Jersey is latest frontier in NY bank's reinvention — American Banker, Aug 12, 2026. https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention
38. Flagstar is back in the black after eight quarters of losses — American Banker, Jan 30, 2026. https://americanbanker.com/news/flagstar-is-back-in-the-black-after-eight-quarters-of-losses
39. Flagstar extends CEO Otting's tenure but sets up succession race — Banking Dive, May 20, 2026. https://www.bankingdive.com/news/flagstar-otting-extend-compensation-succession-raffetto-smith-co-president-nguyen-sullivan-menefee/820741/
40. Flagstar Bank Extends Joseph Otting's Term as CEO and Announces Executive Leadership Updates (Form 8-K, Exhibit 99.1) — Flagstar Bank (SEC filings), May 18, 2026. https://www.sec.gov/Archives/edgar/data/910073/000091007326000053/flg-leadershipsuccession.htm
41. US 8,239,255 B2: Consumer incentive system and business method (assignee New York Community Bancorp, now Flagstar Financial) — Google Patents (USPTO), Aug 7, 2012. https://patents.google.com/patent/US8239255B2/en
42. Valley National Bancorp Announces First Quarter 2026 Results — Valley National Bancorp, Apr 23, 2026. https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf
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44. OceanFirst Financial Corp. Completes Merger with Flushing Financial Corporation and $225 Million Strategic Investment from Warburg Pincus — OceanFirst Financial Corp. (investor relations), Jun 1, 2026. https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus
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47. Santander sets a new standard for profitable growth (Investor Day press release, filed on Form 425 regarding Webster) — Banco Santander (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm
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51. New York bank doubles down on insurance with big investment — American Banker, Sep 17, 2025. https://www.americanbanker.com/news/new-york-bank-doubles-down-on-insurance-with-big-investment
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54. Valley National Bancorp to Acquire Bluevine Inc., Accelerating Its Digital Small Business Growth Strategy and Meaningfully Enhancing Its Core Funding Capabilities — Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1), Sep 28, 2026. https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm
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59. Flagstar picks cloud-native core to replace legacy patchwork — Banking Dive, Aug 21, 2026. https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/
60. Santander isn't rushing into Webster integration: US CEO — American Banker, Aug 20, 2026. https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth
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65. OceanFirst Financial Corp. Form 10-Q for the quarterly period ended June 30, 2026 — OceanFirst Financial Corp. (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1004702/000100470226000120/ocfc-20260630.htm
66. OceanFirst Financial Corp. Form 10-Q for the quarterly period ended March 31, 2026 — OceanFirst Financial Corp. (SEC filings), May 1, 2026. https://www.sec.gov/Archives/edgar/data/1004702/000100470226000052/ocfc-20260331.htm
67. ConnectOne Bancorp, Inc. Form 10-Q for the quarter ended March 31, 2026 — ConnectOne Bancorp (SEC filing), May 5, 2026. https://www.sec.gov/Archives/edgar/data/712771/000143774926014866/cnob20260331_10q.htm
68. ConnectOne Bancorp, Inc. Form 10-Q for the quarter ended June 30, 2026 — ConnectOne Bancorp (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/712771/000143774926025623/cnob20260630_10q.htm
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75. NBT Bancorp Inc. Reports Second Quarter 2026 Results (8-K Exhibit 99.1) — NBT Bancorp (SEC filing), Jul 27, 2026. https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/ef20078819_ex99-1.htm
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77. ConnectOne Bancorp, Inc. Form 10-K for the fiscal year ended December 31, 2025 — ConnectOne Bancorp (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm
78. Rebrand - Dime Community Bank (undated page, retrieved 2026-10-05) — Dime Community Bank, Oct 5, 2026. https://www.dime.com/rebrand
79. Dime Community Bancshares, Inc. Q2 2026 Earnings Call Summary — Moby via Yahoo Finance, Jul 24, 2026. https://finance.yahoo.com/markets/stocks/articles/dime-community-bancshares-inc-q2-123000450.html

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