BCB Community Bank
Bayonne, New Jersey, Hudson County
$3.1B in total assets, the 425th largest of 4,309 US banks and 15th of 50 headquartered in New Jersey.
- FDIC certificate
- 35541
- Established
- 2000
- Owned by
- Bcb Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.bcb.bank
At a glance
Compared with 18 banks headquartered in New Jersey with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.1B | 50% | $2.7B | |
| Loans | $2.6B | 61% | $1.9B | |
| Deposits | $2.6B | 56% | $2.3B | |
| Return on assets | -0.43% | 11% | 0.79% | |
| Net interest margin | 3.21% | 50% | 3.28% | |
| Efficiency ratio | 64.7% | 59% | 63.1% | |
| Equity to assets | 10.74% | 39% | 11.64% | |
| Loans to deposits | 100% | 56% | 97% |
Growth
Total assets grew 1.5% a year over the last 5 years and 6.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2018 | Indus American Bank Edison, NJ | $224M |
| Oct 2011 | Allegiance Community Bank South Orange, NJ | $131M |
| Jul 2010 | Pamrapo Savings Bank, SLA Bayonne, NJ | $529M |
Where they operate
27 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hudson County, NJ | $1.2B | 2.4% | 9 of 29 |
| Middlesex County, NJ | $435M | 0.8% | 17 of 41 |
| Bergen County, NJ | $381M | 0.5% | 23 of 45 |
| Union County, NJ | $153M | 0.6% | 22 of 30 |
| Essex County, NJ | $152M | 0.5% | 22 of 31 |
| Richmond County, NY | $123M | 0.6% | 15 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 12 branches since 2016 (15 to 27, +80.0%). 12 opened, 5 acquired, 5 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 15 | |||
| 2016 | Opened 7 in 2 states | 7 | 0 | +7 | 22 |
| 2018 | Acquired Indus American BankOpened Maplewood | 6 | 0 | +6 | 28 |
| 2019 | Opened Hoboken and River Edge | 2 | 0 | +2 | 30 |
| 2020 | Opened NewarkClosed Colonia and Lodi | 1 | 2 | −1 | 29 |
| 2022 | Closed Edison | 0 | 1 | −1 | 28 |
| 2023 | Opened Staten IslandClosed Carteret | 1 | 1 | 0 | 28 |
| 2024 | Closed Bayonne | 0 | 1 | −1 | 27 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 53% | 33% | |
| 1-4 family residential | 19% | 24% | |
| Multifamily | 18% | 17% | |
| Business (C&I) | 8% | 6% | |
| Construction and land | 2% | 5% | |
| Consumer | 0% | 7% | |
| Other | 0% | 9% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 45% | 55% | |
| Time deposits | 35% | 31% | |
| Noninterest-bearing | 20% | 15% |
Brokered deposits are 2.0% of deposits (peers 7.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.85% | 0.61% |
| Net charge-offs, annualized | 0.78% | 0.01% |
| Reserves to loans | 1.70% | 0.91% |
| Leverage ratio | 10.38% | 11.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New Jersey
Largest competitors in Hudson County, NJ
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/bcb