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BCB Community Bank
Bayonne, NJ·FDIC Cert #35541·Charter: STATE·Est. 20001101.0·HC: BCB BCORP INC
Total Assets
$3.3B
Q4 2025
Return on Assets
-0.27%
-0.35%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.51%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
39
Marginal
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-0.27%-0.35
ROE
-2.58%-3.31
Efficiency
68.51%+9.25
Equity/Assets
0.00%+0.00
NPL Ratio
2.35%-1.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
100.63%-3.14
Charge-offs
1.49%+0.27
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.5 | 0.6 | 0.6 | -0.8 | -0.2 | 0.1 | -0.3 |
| ROE | 7.4 | 5.6 | 6.5 | 6.0 | -8.3 | -1.7 | 0.7 | -2.6 |
| Efficiency | 56.5 | 60.6 | 58.1 | 57.4 | 58.6 | 58.1 | 59.3 | 68.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 1.1 | 1.3 | 1.8 | 3.4 | 3.9 | 3.4 | 2.3 |
| Charge-offs | 0.1 | 0.2 | 0.3 | 0.3 | 0.6 | 0.7 | 1.2 | 1.5 |
| Loan/Deposit | 107.8 | 108.9 | 112.1 | 108.8 | 108.6 | 107.5 | 103.8 | 100.6 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.7B
Total Loans$2.7B
Total Equity$347.9M
Profitability
ROA-0.27%
ROE-2.58%
Efficiency Ratio68.51%
Net Income$-9.2M
Risk & Asset Quality
NPL Ratio2.35%
Charge-off Rate1.49%
Loan/Deposit100.63%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans