Bank Comparison
Academy Bank, N.A. vs Bcb Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 2
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Academy Bank, N.A. | Bcb Community Bank |
|---|---|---|
| CET1 Ratio | 16.79% | — |
| Tier 1 Capital Ratio | 16.79% | — |
| Total Capital Ratio | 18.04% | — |
| Tier 1 Leverage Ratio | 14.10% | 10.54% |
| Equity / Assets | 14.17% | 10.72% |
Profitability
| Metric | Academy Bank, N.A. | Bcb Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 0.70% |
| Return on Equity (ROE) | 7.23% | 6.58% |
| Net Interest Margin (NIM) | 3.30% | 3.08% |
| Yield on Earning Assets | 5.66% | 5.20% |
| Cost of Funds | 2.71% | 2.27% |
Asset quality
| Metric | Academy Bank, N.A. | Bcb Community Bank |
|---|---|---|
| Texas Ratio | 14.19% | 25.42% |
| Non-Performing Loan Ratio | 2.72% | 3.38% |
| Non-Performing Asset Ratio | 2.06% | 2.94% |
| Net Charge-Off Ratio | 0.14% | 0.58% |
| ACL / Loans | 1.34% | 1.21% |
Balance sheet
| Metric | Academy Bank, N.A. | Bcb Community Bank |
|---|---|---|
| Total Assets | $3,275M | $3,268M |
| Total Deposits | $2,731M | $2,672M |
| Total Loans | $2,486M | $2,688M |
| Total Equity | $464,197K | $350,240K |
| Net Income (quarter) | $8,354K | $5,742K |
Liquidity & funding
| Metric | Academy Bank, N.A. | Bcb Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.04% | 100.58% |
| Core Deposit Ratio | 87.25% | 83.97% |
| Uninsured Deposit Ratio | 30.99% | 44.53% |
Identity
| Metric | Academy Bank, N.A. | Bcb Community Bank |
|---|---|---|
| Headquarters City | KANSAS CITY | BAYONNE |
| Headquarters State | MO | NJ |
| Asset Tier | Large | Large |
| Charter Class | 15592 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 80 | 27 |
| Employees (FTE) | 501 | 315 |
| Established | June 15, 1966, midnight | Nov. 1, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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