BCB Community Bank
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Data as of · sourced from FFIEC call reports. How we update
BCB Community Bank is an FDIC-insured commercial bank headquartered in Bayonne, NJ, established in 2000 (FDIC certificate 35541), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.12B, down 7.7% from Q2 2025, the 15th largest of 49 banks headquartered in New Jersey. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.38% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35541
- Headquarters
- Bayonne, NJ
- Established
- 2000
- Total assets, Q2 2026
- $3.12B
- Assets vs Q2 2025
- -7.7%
- Tier 1 leverage ratio, Q2 2026
- 10.38%
- Domestic offices
- 27 FDIC institution directory, current count
- Routing number
- 021213520
- Latest call report
- Q2 2026, FFIEC 041 · BCB Community Bank call report
- Holding company
- BCB BANCORP, INC.
- Asset rank in state
- 15th of 49 in New Jersey
BCB Community Bank spends more to run itself than most banks of its size. It reported $3.1 billion in assets at June 30, 2026, down 7.7% from a year earlier. It loses about $1.70 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also holds commercial real estate loans worth 4.0 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.85% of loans, down from 3.87% a year earlier. It lost $14 million in the quarter. Credit is the area to watch: it carries problem assets equal to 21.1% of the capital and reserves that would absorb them, 5.9 times the median of 3.6% for banks its size.
As of June 30, 2026, BCB Community Bank reported a return on assets of -1.70%, a nonperforming-loan ratio of 2.85% and a Texas ratio of 21.13%. The figures come from its call report filed with the FFIEC.
BCB Community Bank ranks as the 15th largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.6% to $3.12B, loans fell 1.7% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 37.8% of total loans, followed by 1-4 family residential loans at 19.0%. The FDIC Summary of Deposits lists 27 offices for it, in 19 cities across 2 states; its Bayonne 5 offices book 30% of its branch deposits. On its Q2 2026 call report, BCB Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 860 Broadway, Bayonne, NJ 07002
- County
- Hudson
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 1, 2000
- Domestic offices
- 27 FDIC institution directory, current count
- Employees (FTE)
- 310
- Domestic deposits
- $2.64B
- Allowance for credit losses
- $45.0M
- Net charge-offs (YTD)
- $10.5M
- Average total assets
- $3.23B
- Average total loans
- $2.66B
- Average interest-bearing deposits
- $2.16B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 2000
- FDIC Cert
- 35541
- Fed RSSD
- 2954059
- SEC CIK
- 1228454 → filed by BCB BANCORP, INC.
- Website
- www.bcb.bank →
- Parent Holding Company
- BCB BANCORP, INC. (RSSD 3170539) · BCBP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Thomas M Obrien | CEO | CHIEF EXECUTIVE OFFICER |
| Jawad Chaudhry | CFO | CHIEF FINANCIAL OFFICER |
| Ryan Blake | COO | CHIEF OPERATING OFFICER |
| Patricia M Schaubeck | GC | EVP and Chief Legal Officer |
| Sandra Sievewright | CCO | Chief Compliance Officer |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, BCB Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, BCB Community Bank's total assets ranged from $3.12B (Q2 2026) to $3.85B (Q1 2024), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.12B total assets against $3.38B; $2.78B total liabilities against $3.02B.
$2.60B net loans and leases against $2.86B; $2.64B total deposits against $2.66B.
$152.3M securities against $140.0M; $197.4M cash and balances due against $206.3M.
$40.7M total interest income against $43.5M; $16.1M total interest expense against $19.0M.
$24.7M net interest income against $24.4M.
-$502K total noninterest income against $1.9M; $22.0M total noninterest expense against $15.2M.
$18.9M provision for credit losses against $4.9M.
-$13.8M net income against $4.4M.
-1.70% return on assets against 0.51%; 3.21% net interest margin against 2.97%.
10.38% tier 1 leverage ratio against 10.40%.
Inside the full BCB Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
BCB Community Bank rankings
Its closest position to the top of a national ranking is 147 of 3,640, for Texas Ratio; its furthest is 3,583 of 3,611, for ROA.
Metric pages for BCB Community Bank: Texas Ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.70% (Q2 2026) to 0.81% (Q3 2024) and its net interest margin ran from 2.70% (Q4 2024) to 3.23% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.38% | -1.70% | 2.85% | 21.13% | 3.21% |
| Q1 2026 | 10.54% | 0.70% | 2.22% | 17.16% | 3.08% |
| Q4 2025 | 10.39% | -1.35% | 2.32% | 18.13% | 3.23% |
| Q3 2025 | 10.60% | 0.60% | 3.31% | 28.81% | 3.08% |
| Q2 2025 | 10.40% | 0.51% | 3.87% | 27.92% | 2.97% |
| Q1 2025 | 9.91% | -0.84% | 3.36% | 24.79% | 2.72% |
| Q4 2024 | 10.03% | 0.47% | 1.73% | 13.30% | 2.70% |
| Q3 2024 | 9.84% | 0.81% | 1.33% | 10.54% | 2.72% |
Swipe the table sideways to see every column.
Branch Network
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BCB Community Bank (main office) | Bayonne , NJ | 07002 | $331.4M |
| Rutherford Branch | Rutherford , NJ | 07070 | $204.9M |
| Woodbridge Branch | Woodbridge , NJ | 07095 | $170.5M |
| 104-110 Avenue C Branch | Bayonne , NJ | 07002 | $167.9M |
| 611 Avenue C Branch | Bayonne , NJ | 07002 | $163.0M |
| 211 Washington Street | Jersey City , NJ | 07302 | $152.8M |
| Union Branch | Union , NJ | 07083 | $152.6M |
| 401 Washington St Branch | Hoboken , NJ | 07030 | $145.5M |
| Lyndhurst Branch | Lyndhurst , NJ | 07071 | $134.6M |
| Edison Branch | Edison , NJ | 08820 | $130.6M |
| Jersey City Branch | Jersey City , NJ | 07306 | $104.0M |
| 508 Broadway Branch | Bayonne , NJ | 07002 | $96.5M |
| Holmdel Branch | Holmdel , NJ | 07733 | $95.6M |
| 473 SpotswoodEnglishtown Rd | Monroe Township , NJ | 08831 | $84.1M |
| Si Forest Avenue Branch | Staten Island , NY | 10302 | $70.8M |
| Fairfield Branch | Fairfield , NJ | 07004 | $63.1M |
| Hicksville Branch | Hicksville , NY | 11801 | $61.4M |
| Plainsboro Branch | Plainsboro , NJ | 08536 | $49.6M |
| 200 Valley Street Branch | South Orange , NJ | 07079 | $43.7M |
| River Edge Branch | River Edge , NJ | 07661 | $41.2M |
| 181 Avenue A | Bayonne , NJ | 07002 | $36.4M |
| New Dorp Branch Office | Staten Island , NY | 10306 | $34.2M |
| Ferry Street, Newark Branch | Newark , NJ | 07105 | $25.5M |
| Parsippany Branch | Parsippany , NJ | 07054 | $20.8M |
| Maplewood Branch | Maplewood , NJ | 07040 | $19.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 18, 2018 | Structure Change | Acquired Indus American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2011 | Structure Change | Acquired Allegiance Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 14, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 7, 2010 | Structure Change | Acquired Pamrapo Savings Bank, SLA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 6, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in NJ, rank 27 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $4.9M approved, $4.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about BCB Community Bank
What are BCB Community Bank's total assets?
As of the Q2 2026 filing, BCB Community Bank reported total assets of $3.12 billion in its FFIEC call report.
Where is BCB Community Bank headquartered?
It is headquartered in Bayonne, NJ, United States.
When was BCB Community Bank founded?
It was established in 2000, per the FDIC institution directory.
Is BCB Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35541). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BCB Community Bank?
BCB Community Bank's primary federal regulator is the FDIC.
How many branches does BCB Community Bank operate?
It operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BCB Community Bank's Texas Ratio?
Its Texas Ratio is 21.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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