BlastPoint's Banking Scorecard
BCB Community Bank
Designations: ✓ Community bank
Bayonne, NJ
27 branches across NJ · NY
BCB Community Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.35% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 2.3% in tier
- - Liquidity Strain: Bottom 3.3% in tier
- - Delinquency Rate 1.36% above tier average
- - Nonperforming Asset Ratio 1.31% above tier average
- - ROA 0.66% below tier average
- - Net Interest Margin 0.70% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
-5.9% YoY
-0.3% QoQ
|
+$452.6M |
$2.8B
-0.1% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$2.7B
-9.0% YoY
-1.3% QoQ
|
+$691.1M |
$2.0B
+0.6% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$2.7B
-0.5% YoY
-0.0% QoQ
|
+$329.6M |
$2.3B
-0.3% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
0.70%
+182.9% YoY
+359.8% QoQ
|
-0.66% |
1.37%
+19.6% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
3.12%
+12.0% YoY
+2.5% QoQ
|
-0.70% |
3.82%
+6.9% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
60.71%
+3.6% YoY
-11.4% QoQ
|
-0.35% |
61.06%
-4.6% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
2.25%
-34.1% YoY
-4.2% QoQ
|
+1.36% |
0.89%
+14.1% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.0% in tier |
| Loan-to-Deposit Ratio ? |
99.37%
-8.5% YoY
-1.3% QoQ
|
+15.16% |
84.20%
+0.3% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.52%
-3.5% YoY
-1.8% QoQ
|
-1.77% |
21.29%
-2.5% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.98%
-30.9% YoY
-4.8% QoQ
|
+1.31% |
0.67%
+15.6% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.3% in tier |
| Tier 1 Capital Ratio ? |
10.54%
+6.4% YoY
+1.4% QoQ
|
-4.62% |
15.16%
+2.0% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.1% in tier |
| Non-Interest Income / Assets ? |
0.06%
+27.7% YoY
+128.1% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.4% in tier |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.