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
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 | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 3.02% | 2.66% | 3.13% | 3.63% | Beats 42% | 21 / 36 | |
| Efficiency Ratio | 75.19% | 52.19% | 63.09% | 75.14% | Beats 23% | 28 / 35 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.85% | 0.46% | 0.84% | 1.59% | Beats 8% | 34 / 36 | |
| Net Charge-Offs / Loans | 0.44% | n/a | 0.03% | 0.14% | Beats 8% | 34 / 36 | |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 13.13% | 14.78% | 18.34% | Beats 3% | 35 / 36 | |
| Total Risk-Based Capital Ratio | 10.38% | 13.73% | 15.96% | 19.27% | Beats 0% | 36 / 36 | |
| Equity / Assets | 10.74% | 9.80% | 11.58% | 14.82% | Beats 39% | 22 / 36 | |
| Liquidity & Funding |
| Loans / Deposits | 100.26% | 81.12% | 95.13% | 103.24% | 64th pctl | 13 / 36 | |
| Loans / Assets | 84.81% | 67.44% | 76.31% | 84.79% | 78th pctl | 8 / 36 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |