Bayonne, NJ · Cert 35541 · BCB Bcorp Inc.
State charter, non-member · FDIC · 27 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #51 of 151 inst. · $2.6B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.60% | -1.35% | 0.70% | -1.73% | -224 bps | |
| Return on Equity | 4.92% | 5.65% | -12.64% | 6.58% | -16.09% | -2,100 bps | |
| Net Interest Margin | 2.86% | 2.97% | 3.07% | 2.94% | 3.05% | +19 bps | |
| Efficiency Ratio | 57.63% | 61.42% | 126.28% | 60.71% | 69.07% | +1,144 bps | |
| Non-Interest Burden | 1.55% | 1.72% | 3.46% | 1.69% | 2.78% | +123 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 / Loans | 3.87% | 3.31% | 2.32% | 2.22% | 2.85% | -102 bps | |
| Net Charge-Offs / Loans | 0.79% | 2.40% | 2.39% | 0.58% | 1.00% | +21 bps | |
| Allowance / Loans | 1.74% | 1.34% | 1.24% | 1.21% | 1.70% | -4 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.5x | 0.5x | 0.6x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.40% | 10.60% | 10.39% | 10.54% | 10.38% | -2 bps | |
| Total Risk-Based Capital | 10.40% | 10.60% | 10.39% | 10.54% | 10.38% | -2 bps | |
| Equity / Assets | 10.59% | 10.79% | 10.61% | 10.72% | 10.74% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.36% | 105.18% | 101.89% | 100.58% | 100.26% | -909 bps | |
| Liquid Assets / Assets | 5.76% | 7.08% | 8.03% | 8.62% | 5.87% | +11 bps | |
| CRE / Total Capital | n/a | 563% | 567% | 564% | n/a | n/a | |