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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.58% | -0.85% | -0.18% | 0.08% | -0.27% | 0.70% | -0.50% | -32 bps | |
| Return on Equity | 6.52% | 6.05% | -8.31% | -1.72% | 0.73% | -2.58% | 6.58% | -4.67% | -294 bps | |
| Net Interest Margin | 2.62% | 2.66% | 2.61% | 2.79% | 2.87% | 2.97% | 2.94% | 3.02% | +22 bps | |
| Efficiency Ratio | 58.09% | 57.43% | 58.63% | 58.12% | 59.26% | 68.51% | 60.71% | 64.74% | +662 bps | |
| Non-Interest Burden | 1.51% | 1.50% | 1.45% | 1.53% | 1.61% | 2.10% | 1.69% | 2.24% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.21% | -6.10% | -9.76% | -10.91% | -7.19% | -8.86% | -5.87% | -7.74% | +317 bps | |
| Loan Growth (YoY) | -5.88% | -8.55% | -8.96% | -9.92% | -9.48% | -10.10% | -9.45% | -9.20% | +72 bps | |
| Deposit Growth (YoY) | -2.40% | -7.63% | -10.21% | -9.31% | -2.42% | -2.86% | -0.55% | -0.96% | +835 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.33% | 1.73% | 3.36% | 3.87% | 3.31% | 2.32% | 2.22% | 2.85% | -102 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.34% | 0.56% | 0.68% | 1.26% | 1.58% | 0.58% | 0.79% | +12 bps | |
| Allowance / Loans | 1.11% | 1.15% | 1.73% | 1.74% | 1.34% | 1.24% | 1.21% | 1.70% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.5x | 0.5x | 0.4x | 0.5x | 0.5x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.84% | 10.03% | 9.91% | 10.40% | 10.60% | 10.39% | 10.54% | 10.38% | -2 bps | |
| Total Risk-Based Capital | 9.84% | 10.03% | 9.91% | 10.40% | 10.60% | 10.39% | 10.54% | 10.38% | -2 bps | |
| Equity / Assets | 10.11% | 10.14% | 10.24% | 10.59% | 10.79% | 10.61% | 10.72% | 10.74% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.39% | 110.10% | 110.47% | 109.36% | 105.18% | 101.89% | 100.58% | 100.26% | -909 bps | |
| Liquid Assets / Assets | 6.37% | 8.42% | 6.92% | 5.76% | 7.08% | 8.03% | 8.62% | 5.87% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 563% | 567% | 564% | n/a | n/a | |