PackageTrendsPeer
Letter portraitLegal landscape

BCB Community Bank

Bayonne, NJ · Cert 35541 · BCB Bcorp Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

BCB Community Bank

Bayonne, NJ · Cert 35541 · BCB Bcorp Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

$3.1BAssets
$2.6BLoans
$2.6BDeposits
$334.9MEquity
Loan mix
92%RE $2.5B8%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $2.1B20%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.25%Q2 ’245.13%Q2 ’255.03%Q2 ’26+8%+8%

Non-interest income vs. expense

1.52%Q2 ’241.74%Q2 ’252.34%Q2 ’26-4%+46%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #51 of 151 inst. · $2.6B of $2921.1B

2.4% Hudson
0.8% Middlesex
0.5% Bergen
0.6% Union

Executive Summary

  • Earnings: ROA of -0.50%, down 32 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 2.85% of loans (-102 bps YoY), with net charge-offs at 0.79%.
  • Capital: tier 1 leverage ratio of 10.38%, down 2 bps from a year ago.
  • Funding: loans stand at 100.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.50%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+22 bps YoY

Efficiency Ratio (YTD, annualized)

64.74%+662 bps YoY

Tier 1 Leverage Ratio

10.38%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.18%0.08%-0.27%0.70%-0.50%-32 bps
Return on Equity-1.72%0.73%-2.58%6.58%-4.67%-294 bps
Net Interest Margin2.79%2.87%2.97%2.94%3.02%+22 bps
Efficiency Ratio58.12%59.26%68.51%60.71%64.74%+662 bps
Non-Interest Burden1.53%1.61%2.10%1.69%2.24%+71 bps
Growth
Asset Growth (YoY)-10.91%-7.19%-8.86%-5.87%-7.74%+317 bps
Loan Growth (YoY)-9.92%-9.48%-10.10%-9.45%-9.20%+72 bps
Deposit Growth (YoY)-9.31%-2.42%-2.86%-0.55%-0.96%+835 bps
Asset Quality
Nonperforming Loans / Loans3.87%3.31%2.32%2.22%2.85%-102 bps
Net Charge-Offs / Loans0.68%1.26%1.58%0.58%0.79%+12 bps
Allowance / Loans1.74%1.34%1.24%1.21%1.70%-4 bps
Allowance Coverage of NPLs0.5x0.4x0.5x0.5x0.6x+0.1x
Capital
Tier 1 Leverage Ratio10.40%10.60%10.39%10.54%10.38%-2 bps
Total Risk-Based Capital10.40%10.60%10.39%10.54%10.38%-2 bps
Equity / Assets10.59%10.79%10.61%10.72%10.74%+15 bps
Liquidity & Funding
Loans / Deposits109.36%105.18%101.89%100.58%100.26%-909 bps
Liquid Assets / Assets5.76%7.08%8.03%8.62%5.87%+11 bps
CRE / Total Capitaln/a563%567%564%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

BCB Community Bank

Bayonne, NJ · Cert 35541 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · BCB Bcorp Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

$3.1BAssets
$2.6BLoans
$2.6BDeposits
$334.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 42% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 21 of 36).
  • Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 36 of 36).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-0.52%

Rank 34 of 36

Net Interest Margin

3.02%

Rank 21 of 36

Efficiency Ratio

75.19%

Rank 28 of 35

Equity / Assets

10.74%

Rank 22 of 36

Non-interest income vs. expense

$3.0M$75.6MINCOMEEXPENSE
Unfavorable gap of $72.6M · efficiency ratio beats 23% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 75.19%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.52%0.65%1.00%1.72%Beats 6%34 / 36
Return on Equity-4.80%5.35%9.30%13.56%Beats 3%34 / 35
Net Interest Margin3.02%2.66%3.13%3.63%Beats 42%21 / 36
Efficiency Ratio75.19%52.19%63.09%75.14%Beats 23%28 / 35
Asset Quality
Nonperforming Loans / Loans2.85%0.46%0.84%1.59%Beats 8%34 / 36
Net Charge-Offs / Loans0.44%n/a0.03%0.14%Beats 8%34 / 36
Capital
Tier 1 Capital Ratio10.38%13.13%14.78%18.34%Beats 3%35 / 36
Total Risk-Based Capital Ratio10.38%13.73%15.96%19.27%Beats 0%36 / 36
Equity / Assets10.74%9.80%11.58%14.82%Beats 39%22 / 36
Liquidity & Funding
Loans / Deposits100.26%81.12%95.13%103.24%64th pctl13 / 36
Loans / Assets84.81%67.44%76.31%84.79%78th pctl8 / 36
Brokered Deposits / Depositsn/aNot reported for this institution