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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