BCB Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 44.4% lower than in Q1 2026, at $125.0M. BCB Community Bank ranks 17th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 100.26% (Q2 2026). BCB Community Bank reported 100.26% on loan-to-deposit ratio for Q2 2026, 12.06 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $197.4M |
| Cash and noninterest-bearing balances to assets | 6.33% |
| Cash and securities | $349.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $125.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.26% |
| Net loans and leases to deposits | 98.56% |
| Loans and leases to core deposits | 119.72% |
| Core deposits to total deposits | 81.78% |
| Brokered deposits to total deposits | 1.97% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 117.59% | 73.90% | $0 | $622.7M |
| Q4 2023 | 111.22% | 71.57% | $0 | $472.8M |
| Q1 2024 | 108.96% | 71.78% | $0 | $472.9M |
| Q2 2024 | 110.10% | 72.59% | $0 | $473.1M |
| Q3 2024 | 113.39% | 77.98% | $0 | $466.4M |
| Q4 2024 | 110.10% | 79.09% | $0 | $455.4M |
| Q1 2025 | 110.47% | 81.80% | $0 | $405.5M |
| Q2 2025 | 109.36% | 82.10% | $0 | $335.6M |
| Q3 2025 | 105.18% | 80.00% | $0 | $280.8M |
| Q4 2025 | 101.89% | 80.69% | $0 | $235.0M |
| Q1 2026 | 100.58% | 80.92% | $0 | $225.0M |
| Q2 2026 | 100.26% | 81.78% | $0 | $125.0M |
BCB Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BCB Community Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full BCB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35541) · FFIEC NIC profile (RSSD 2954059)