BCB Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BCB Community Bank of Bayonne, NJ against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.70% | 1.34% | -3.04% | 1st bottom |
| ROAE | -16.09% | 12.34% | -28.43% | 0th bottom |
| Net Interest Margin | 3.21% | 3.83% | -0.62% | 22nd bottom |
| Efficiency Ratio | 69.07% | 58.97% | +10.10% | 21st bottom |
| PPNR / Avg Assets | 0.28% | — | — | 2nd bottom |
| Yield on Earning Assets | 5.30% | 5.71% | -0.41% | 35th below |
| Cost of Funds | 2.24% | 2.02% | +0.22% | 34th below |
| Net Interest Spread | 2.52% | — | — | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.85% | 0.87% | +1.98% | 5th bottom |
| NPA / Total Assets | 2.58% | — | — | 4th bottom |
| NCO / Avg Loans | 0.99% | 0.43% | +0.56% | 4th bottom |
| ACL / Total Loans | 1.70% | — | — | 91st top |
| ACL / NPLs (Coverage) | 59.75% | — | — | 9th bottom |
| Texas Ratio | 21.13% | 5.48% | +15.65% | 3rd bottom |
| Provision / NCO | 286.45% | — | — | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.38% | 11.11% | -0.73% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.74% | 11.02% | -0.28% | 55th above |
| TCE / Tangible Assets | 10.74% | — | — | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.26% | 86.99% | +13.27% | 16th bottom |
| Core Deposit Ratio | 81.78% | 85.57% | -3.79% | 25th below |
| Uninsured Deposit Ratio | 44.78% | 33.19% | +11.59% | 17th bottom |
| Wholesale Funding Ratio | 4.01% | — | — | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.74% | — | — | 2nd bottom |
| Loan Growth (Y/Y) | -9.20% | — | — | 2nd bottom |
| Deposit Growth (Y/Y) | -0.96% | — | — | 13th bottom |
See BCB Community Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock BCB Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full BCB Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the BCB Community Bank peer analysis.