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BCB Community Bank

$1B-$10B Specialty: Commercial NJ FDIC cert 35541

Designations: ✓ Community bank

Bayonne, NJ

27 branches across NJ · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
  • Deposits -1.0% year over year ($2.6B on the books).
  • Delinquency rate 2.90%.
  • Return on assets -0.50%.
  • Efficiency ratio 64.74% vs a 59.73% peer average.
  • Loan-to-deposit ratio 98.56% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in NJ
View $1B-$10B leaderboard (NJ) →

BCB Community Bank faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 1.3% in tier
  • - Liquidity Strain: Bottom 4.7% in tier
  • - Deposit Outflow: Bottom 42.8% in tier
  • - Return on Assets 1.89% below tier average
  • - Delinquency Rate 2.03% above tier average
  • - Nonperforming Asset Ratio 1.90% above tier average
  • - Non-Interest Income / Assets 0.48% below tier average
  • - Net Interest Margin 0.66% below tier average
Get updates when BCB Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $3.1B
-7.7% YoY -4.6% QoQ
+$324.0M $2.8B
-0.6% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $2.6B
-9.2% YoY -2.2% QoQ
+$635.5M $2.0B
-0.3% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $2.6B
-1.0% YoY -1.3% QoQ
+$318.0M $2.3B
-0.5% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? -0.50%
-180.5% YoY -171.1% QoQ
-1.89% 1.39%
+17.0% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 1.0% in tier
Net Interest Margin ? 3.21%
+10.9% YoY +2.9% QoQ
-0.66% 3.87%
+6.2% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 64.74%
+11.4% YoY +6.6% QoQ
+5.01% 59.73%
-12.6% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 2.90%
-26.4% YoY +28.7% QoQ
+2.03% 0.87%
+11.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
Bottom 4.6% in tier
Loan-to-Deposit Ratio ? 98.56%
-8.3% YoY -0.8% QoQ
+13.52% 85.04%
-0.1% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 19.55%
-3.6% YoY +0.1% QoQ
-1.72% 21.27%
-1.5% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 2.58%
-22.7% YoY +30.0% QoQ
+1.90% 0.67%
+11.7% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
Bottom 4.0% in tier
Tier 1 Capital Ratio ? 10.38%
-0.2% YoY -1.5% QoQ
-4.46% 14.84%
-0.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
Bottom 9.4% in tier
Non-Interest Income / Assets ? 0.05%
-54.5% YoY -21.4% QoQ
-0.48% 0.53%
+2.5% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
Bottom 3.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 19.5%
-0.7pp YoY
0.0pp QoQ
 -1.8pp 21.4% 16.6% 22.2% 49%
Brokered Deposits 2.0%
-0.2pp YoY
-1.1pp QoQ
 -7.5pp 9.5% 10.1% 8.5% 26%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 8.5%
-2.0pp YoY
+0.2pp QoQ
 -5.5pp 14.0% 6.5% 12.5% 37%
CRE 73.8%
+1.8pp YoY
+0.5pp QoQ
 +23.8pp 50.0% 56.3% 41.4% 92%
1-4 Family 19.3%
+0.1pp YoY
-0.1pp QoQ
 -7.1pp 26.4% 39.4% 31.3% 41%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.3% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 18.8% 19.7% n/a
Leverage Ratio 10.4%
0.0pp YoY
-0.2pp QoQ
 -0.9pp 11.3% 13.4% 12.6% 47%
Total Capital Ratio n/a n/a 16.7% 19.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 310
-1 (-0.3%) YoY
-5 (-1.6%) QoQ
 -4 313 336 482 67%
Assets per Employee ($) $10.1M
-7.4% YoY
-3.1% QoQ
 -$426K $10.5M $11.2M $8.8M 66%
Branch Count 27
0 YoY
0 QoQ
 +7 20 20 18 78%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.3pp YoY
 0.0pp 0.2% 0.1% 0.4% 81%
Nonaccrual 2.8%
-0.8pp YoY
+0.5pp QoQ
 +1.9pp 0.8% 0.8% 1.0% 96%
Allowance Coverage 0.60x
+32.8% YoY
+9.6% QoQ
 -18.11x 18.71x 6.57x 20.23x 9%
Net Charge-off Rate (YTD) 0.8%
+0.1pp YoY
+0.2pp QoQ
 +0.5pp 0.3% 0.2% 0.2% 94%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE -4.7%
-3.0pp YoY
-11.2pp QoQ
 -17.3pp 12.6% 6.4% 11.6% 1%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.9% 1.7% 68%
Net Income ($, YTD) $-8034000.0
-159.5% YoY
— QoQ
 -$27.3M $19.2M $19.8M $40.4M 1%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#4 of 222 • Bottom 1.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.38%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#18 of 361 • Bottom 4.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.56%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#57 of 131 • Bottom 42.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

198
Total Loans
size
Value: $2.60B
Peer Median: $1.96B
#198 of 885 Top 22.3% in $1B-$10B

Top Weaknesses (7 metrics)

877
Return on Assets
profitability
Value: -0.50%
Peer Median: 1.39%
#877 of 885 Bottom 1.0% in $1B-$10B
855
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.53%
#855 of 885 Bottom 3.5% in $1B-$10B
851
Nonperforming Asset Ratio
credit_quality
Value: 2.58%
Peer Median: 0.67%
#851 of 885 Bottom 4.0% in $1B-$10B
842
Delinquency Rate
credit_quality
Value: 2.90%
Peer Median: 0.87%
#842 of 882 Bottom 4.6% in $1B-$10B
803
Tier 1 Capital Ratio
capital
Value: 10.38%
Peer Median: 14.84%
#803 of 885 Bottom 9.4% in $1B-$10B
724
Loan-to-Deposit Ratio
liquidity
Value: 98.56%
Peer Median: 85.04%
#724 of 885 Bottom 18.3% in $1B-$10B
689
Net Interest Margin
profitability
Value: 3.21%
Peer Median: 3.87%
#689 of 885 Bottom 22.3% in $1B-$10B
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