BCB Community Bank
BCB Community Bank reported total assets of $3.1 bn at Q2 2026, down 7.7% on a year earlier, the 407th largest of 497 banks in our US coverage. BCB Community Bank uses the community bank leverage ratio framework, with a leverage ratio of 10.38%, and the uninsured share of BCB Community Bank was 44.78%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, BCB Community Bank slipped from 255th to 392nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- BCB Community Bank reports one of the lowest return on equity (ROE) readings among banks of $1 bn to $10 bn: -4.67% at , where the median of the 339 banks is 12.68% (FDIC Call Reports).
- The return on assets (ROA) of BCB Community Bank, -0.50% at , places BCB Community Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets BCB Community Bank apart
- Few banks of $1 bn to $10 bn report a higher noncurrent loans to total loans than BCB Community Bank, at 2.85% in against a group median of 0.58%.
- Over the year to , the total assets of BCB Community Bank fell by 7.7% to $3.1 bn, a bigger fall than at 99% of covered banks.
- BCB Community Bank has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.78% at , against a median of 0.06% across 339 banks.
How large is BCB Community Bank?
The balance sheet of BCB Community Bank at : assets $3.1 bn, deposits $2.6 bn, net loans $2.6 bn (loans equal to 98.56% of deposits). Securities make up 4.9% of total assets at BCB Community Bank. Since , when BCB Community Bank held $1.7 bn, its assets grew 82.9%. In the year to , deposits at BCB Community Bank fell 1.0% while its total assets fell 7.7%. At , BCB Community Bank employed 310 full-time equivalent staff across 27 offices, about $10.1 mn of assets per employee and $97.7 mn of deposits per office.
How much funding at BCB Community Bank is uninsured?
At BCB Community Bank, uninsured deposits (above the FDIC limit) made up 44.78% of domestic deposits at (+0.20 pp on a year earlier); BCB Community Bank ranks 141st of 500 on this measure. In dollars, BCB Community Bank estimated $1.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | -1.0% | 397th of 499 |
| Net loans and leases | $2.6 bn | -9.2% | 354th of 500 |
| Loan-to-deposit ratio | 98.56% | -8.90 pp | 75th of 500 |
| Net interest margin | 3.21% | +0.32 pp | 369th of 500 |
| Return on assets (ROA) | -0.50% | -0.32 pp | 495th of 500 |
| Efficiency ratio | 64.74% | +6.62 pp | 392nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $3.5 mn | Narrowed by $1.8 mn | |
| Noncurrent loans to total loans | 2.85% | -1.02 pp | 479th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.78% | +0.12 pp | 459th of 500 (1 = lowest) |
US rank of BCB Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
BCB Community Bank: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.6bn
- Net loans $2.6bn
Capital and securities
BCB Community Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.38% in . Equity capital of BCB Community Bank at : $334.9 mn, or 10.7% of total assets.
The available-for-sale portfolio of BCB Community Bank showed an unrealized loss of $3.5 mn at ; the loss narrowed by $1.8 mn over the year.
BCB Community Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
BCB Community Bank: unrealized securities gains and losses
- Available for sale -$4mn
- Held to maturity $0
Profitability and loan quality
For the year to , BCB Community Bank earned a return on equity of -4.67%; return on assets: -0.50%. Net interest margin at BCB Community Bank: 3.21%, +0.32 pp in a year. BCB Community Bank net income: -$8.0 mn, up 159.5% year on year. The efficiency ratio of BCB Community Bank was 64.74%: about 65 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 2.85% of total loans at BCB Community Bank; net charge-offs: 0.78% of average loans. Gross loans and leases at BCB Community Bank: $2.6 bn, down 9.2% in a year.
BCB Community Bank: profitability
- Return on equity -4.7%
- Net interest margin 3.2%
- Return on assets -0.5%
Peer group of BCB Community Bank
The peer group of BCB Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of BCB Community Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in New Jersey. Against them, BCB Community Bank shows return on equity -4.67% against a peer median of 10.86% and uninsured deposit share 44.78% against a peer median of 31.26%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Centreville Bank | State-chartered stock savings bank | RI | $3.2 bn | not reported | 9.50% | 17.59% | |
| Citizens & Northern Bank | State member bank | PA | $3.1 bn | 12.85% | 8.61% | 31.42% | |
| Amboy Bank | State member bank | NJ | $3.1 bn | 14.75% | 21.96% | 53.18% | |
| BCB Community Bank | State nonmember bank | NJ | $3.1 bn | not reported | -4.67% | 44.78% | |
| UniBank for Savings | State nonmember bank | MA | $3.1 bn | 14.02% | 13.54% | 29.42% | |
| Penn Community Bank | State-chartered stock savings bank | PA | $3.1 bn | 16.17% | 5.31% | 32.62% | |
| CB&S Bank, Inc. | State nonmember bank | AL | $3.1 bn | not reported | 12.21% | 31.10% | |
. FDIC Call Reports.
Last eight quarters
Two years at BCB Community Bank, to : assets -13.7%, deposits -4.3%, equity -8.3%. Staff 292 to 310.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.6 bn | $3.6 bn | $3.5 bn | $3.4 bn | $3.4 bn | $3.3 bn | $3.3 bn | $3.1 bn |
| Total deposits | $2.8 bn | $2.8 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.6 bn |
| Bank equity capital | $365.1 mn | $364.8 mn | $355.7 mn | $357.8 mn | $361.6 mn | $347.9 mn | $350.2 mn | $334.9 mn |
| Return on equity (ROE) | 6.52% | 6.05% | -8.31% | -1.72% | 0.73% | -2.58% | 6.58% | -4.67% |
| Uninsured share of domestic deposits | 39.31% | 42.20% | 44.13% | 44.59% | 43.52% | 44.58% | 44.53% | 44.78% |
| Full-time equivalent employees | 292 | 287 | 296 | 311 | 324 | 311 | 315 | 310 |
| Number of offices | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of BCB Community Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Indus American Bank (FDIC certificate 57983).
Questions and identifiers
What were the total assets of BCB Community Bank?
BCB Community Bank reported $3.1 bn at in its Call Report. That makes BCB Community Bank the 407th largest of 497 banks in our US coverage.
Is BCB Community Bank the same as its holding company?
No. This page covers BCB Community Bank, FDIC certificate 35541; BCB BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is BCB Community Bank profitable?
BCB Community Bank reported net income of -$8.0 mn for the year to ; annualized return on equity: -4.67%. So no: BCB Community Bank made a loss over these months.
When is data for BCB Community Bank next updated?
Figures from BCB Community Bank for are due after .
Where can I check the figures for BCB Community Bank?
In the FDIC BankFind Suite record for certificate 35541, and in the Call Reports of BCB Community Bank (RSSD ID 2954059) at the FFIEC Central Data Repository.