BCB Community Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.38% +1.38 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $335.5M | 335,499 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.23B | 3,231,459 | RCOAA224 |
| Recomputed ratio | 10.38% | numerator / denominator | |
| Filed ratio | 10.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.38 pp | $44.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 276,373 | 276,244 | 276,096 | 275,860 | 275,630 | 275,401 | RCOAP742 |
| Retained earnings | 61,185 | 76,800 | 74,294 | 88,668 | 86,266 | 84,579 | RCOAKW00 |
| Accumulated other comprehensive income | (2,653) | (2,804) | (2,456) | (2,956) | (4,098) | (4,269) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 334,905 | 350,240 | 347,934 | 361,572 | 357,798 | 355,711 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 594 | (4,992) | (3,867) | (3,367) | (2,224) | (2,054) | P859 - P840 |
| Common equity Tier 1 capital | 335,499 | 345,248 | 344,067 | 358,205 | 355,574 | 353,657 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 335,499 | 345,248 | 344,067 | 358,205 | 355,574 | 353,657 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 3,231,459 | 3,274,771 | 3,310,793 | 3,377,731 | 3,417,657 | 3,567,843 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.38% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.54% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.39% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.60% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.40% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 9.91% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.03% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 9.84% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 9.52% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 9.33% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 9.09% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 8.96% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| BCB Community Bank (this bank) | CBLR | NA | NA | NA | 10.38% | |
| Amboy Bank | $3.12B | Risk-based | 14.75% | 14.75% | 16.00% | 12.19% |
| Unibank for Savings | $3.11B | Risk-based | 14.02% | 14.02% | 15.27% | 8.83% |
| Citizens & Northern Bank | $3.14B | Risk-based | 12.85% | 12.85% | 14.10% | 9.96% |
| Centreville Bank | $3.15B | CBLR | NA | NA | NA | 13.35% |
| Farmers Bank & Trust Company | $3.16B | CBLR | NA | NA | NA | 9.87% |
| Monet Bank | $3.16B | Risk-based | 135.52% | 135.52% | 136.07% | 31.69% |
| Penn Community Bank | $3.07B | Risk-based | 16.17% | 16.17% | 17.19% | 12.68% |
| CB&S Bank, Inc. | $3.07B | CBLR | NA | NA | NA | 10.42% |
| Peer 25th percentile | 14.02% | 14.02% | 15.27% | 9.94% | ||
| Peer median | 14.75% | 14.75% | 16.00% | 11.31% | ||
| Peer 75th percentile | 16.17% | 16.17% | 17.19% | 12.85% | ||
| This bank's percentile | NA | NA | NA | 38 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2954059/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.