# BCB COMMUNITY BANK
BAYONNE, NJ · FDIC certificate 35541 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.12B | |
| Deposits | $2.64B | |
| Loans and leases | $2.64B | |
| Total equity | $334.9M | |
| Loans / deposits | 98.56% (p82 of band) | 87.10% |
| Liquid assets / assets | 11.22% (p8 of band) | |
| Uninsured deposits / deposits | 44.78% (p82 of band) | 30.76% |
| Brokered deposits | 1.66% | |
| Wholesale funding | 5.67% (p48 of band) | |
| FHLB advances / assets | 4.01% | |
| Tier 1 leverage | 10.38% (p47 of band) | 10.50% |
| Unrealized securities loss / equity | -2.20% (p79 of band) | -7.75% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | -0.50% (p1 of band) | 1.26% |
| Net interest margin | 3.21% (p23 of band) | 3.70% |
| Efficiency ratio | 64.74% (p68 of band) | |
| Noncurrent loans | 2.85% (p95 of band) | 0.51% |
| Net charge-offs (annualized) | 0.65% (p96 of band) | |
| Reserve coverage of noncurrent | 59.75% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 14.65% (p13 of band) | |
| Auto loans | $124,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 310 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 4 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 1 |  | losing money, expense ratio p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | wholesale funding >15%, capital falling |  |
| 2014-09 | 4 | liquid assets <10% | wholesale funding >15% |
| 2014-12 | 4 | wholesale funding >15% | capital falling |
| 2015-03 | 4 |  |  |
| 2015-06 | 5 | capital falling |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 4 |  | capital falling |
| 2016-03 | 2 |  | liquid assets <10%, wholesale funding >15% |
| 2016-06 | 4 | capital falling, noncurrent p90 |  |
| 2016-09 | 4 | expense ratio p90 | noncurrent p90 |
| 2016-12 | 3 | liquid assets <10% | capital falling, expense ratio p90 |
| 2017-03 | 1 |  | reserve under noncurrent, liquid assets <10% |
| 2017-06 | 2 | liquid assets <10% |  |
| 2017-09 | 1 |  | liquid assets <10% |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | wholesale funding >15%, capital falling |  |
| 2018-06 | 4 | reserve under noncurrent |  |
| 2018-09 | 3 |  | capital falling |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2019-09 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 | loans exceed deposits | capital falling |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | loans exceed deposits |  |
| 2022-12 | 4 | brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2023-03 | 5 | capital falling |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | capital falling |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | liquid assets <10% |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | liquid assets <10%, reserve under noncurrent, assets shrinking | brokered >10% |
| 2024-12 | 6 | noncurrent p90, deposits shrinking | liquid assets <10% |
| 2025-03 | 7 | losing money, charge-offs p90 | wholesale funding >15% |
| 2025-06 | 7 |  |  |
| 2025-09 | 5 |  | deposits shrinking, losing money |
| 2025-12 | 6 | losing money |  |
| 2026-03 | 4 |  | loans exceed deposits, losing money |
| 2026-06 | 5 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-02 [New Jersey’s BCB appoints new CEO - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOU9Hc3pIQUpoclh6NE0teTJ2bUtNSy1zdWROX0lLMlF1R3pvV29kUWJqWWNxUDI4X1lBaEZnb0NzODhBZk5CalZCSWV4NDhjY3pULVNfR0hJYWJ5dmlaeDh0Ujc0bW5OWTB5MlRIdUptNlNSNFpZUEExS3Z4bGk1RDhDdVE1N1BTTFE0eklaYk1JOFdETmJCT3RSVmdWbTcxN2c?oc=5) · Banking Dive
- 2026-08-03 [NJ bank is in a rare spot: Total losses on some C&I loans - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxOWEpDV3VwMmJtSVRXUDBhRUU5UnlqWHItZ1dpVEJnNy1TLVRqUkIzWmJfbF9UZ21uMlNUVVYxdTUtNE1hTTRmTmdwSkFoZS1iSzJxTVY4aEhORk9fXzA5STE4b2ZUYW9aY3RLcXBkUy1yM010THgxTDN3ODJtcXkyRUNCNG04VE0yay1HeEUzdHI3cWtxZFFSWQ?oc=5) · American Banker
- 2026-06-01 [BCB Community Bank names O’Brien president, CEO - NJBIZ](https://news.google.com/rss/articles/CBMickFVX3lxTE42RWxDN2FXbi1NUjY0WE1wOFFCbVh5VWxXVmJqRGx4cjM4d3ZHZmFaVGlWMUlpT1pHSmpuTTFaWThsWC1PNG9BU2ZWS2o1OXJSUUZFblFNUS1VVlpRelVNVllaTmlJbVdmdG1jWUZZUmpDdw?oc=5) · NJBIZ
- 2026-06-01 [BCB Bancorp appoints O’Brien to president and CEO - ROI-NJ](https://news.google.com/rss/articles/CBMilgFBVV95cUxOeHpwN1o0YjlBQ0hpclB6bWM3akU1ZHBIME5kbEw0bWlJLUY1VW9oQWlDWEtzdkVpWGc3SXpDOXBvUHZVQk5FUWJmVFQzZDVUT2JCMFFIQU1FVS10dk5EZU1VbDQxRVBTWVFnbW1oMVVyVi05T0E2cVQxSnpSNWM0QXRDNnlNZ19Qc3gxX3JmRENxT2ZtR0E?oc=5) · ROI-NJ
- 2026-06-05 [BCB Bancorp, Inc. Grants Restricted Stock to New CEO Thomas M. O’Brien as Part of Inducement Agreement - Quiver Quantitative](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOTVE3czhXM3pRQkppU0hpeW5OS1FWX1ZOT2NZY09yUllrMEJ4YUlVdHFQUTR2OTlESERXb2NxQ202U1VkOTdfNTNJaFdpcEtMTGVZTDFQMXFIbGlZUTVMTm1fS0lpMDJkSjdVRmNZZXhTWC1CNDhMVUEzYW5xNWM4MXdnT29LR0RnNWdHcHF4aEV5Q1RvaG9xT2lIT3BobEtjMGpsOU5vNEprRlVhS2hGUnFRTTM2Q2xMMEk0ekNqd3ZoYXFyWmRjYlg5NzViaU1mVjVQVnlBX09IYVl3VVE?oc=5) · Quiver Quantitative
- 2026-06-01 [Turnaround specialist appointed community bank CEO for a 6th time - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxPR2N1VUQ1Z2EtNGJTcy1jSGF3RmtDWXR1U1FRck1aY3Fod1BqVjdfY1A3ZnpnZG9XaHZhUDRnMnRoWGpZQXNfZGJjZHFPVFcwSHZIc2xzeE0xTzJwNE85TGhNX3VlWEptQnE5cHhoTW9kdHUydjNwZkVXOVZZa2JNbkRsR3hLTzMxQldyRkxYVlRndlJUcDFvX1NvdUpzT2UyUmRMSXR3?oc=5) · American Banker
- 2026-08-03 [BCB Bancorp, Inc. Reports Net Loss of $14.8 Million in the Second Quarter 2026; Board Approves Reincorporation in Delaware, Subject to Shareholder Approval - The Manila Times](https://news.google.com/rss/articles/CBMixgJBVV95cUxNYVF2R2psQXNMSDhRWVlZNDMyRXVkcmZ6ZHV2d293dUtiaTQ4bDJKM0hGbDFKMFhNemFQclJza0FGNFlHREZGVnM0S2EzdnVTdk9sMFRFWDEwb05uemt0YzlZRnoycUpKSWxUMXoyNXJ4MERSR1J2dEc3bnZTakxmMy1rOEI2RkRkWUUycXJIcmN5WWtsc0FTeTVJV3lZNTdFZ09QakNfSGdTUEdZMjFNRlYxQTR3MFRqLU55RmR0WVdNS2puUGQ2SnFWZkczTnJ6ZFFtbTR5YXBOeTZqMU5KMnRXNlZTd3pCb2FBWjhXZEVXdFlZRHFJWFJBZm5vV3gxeXBSNURkTmZ3cW9TeEg0RFZsTmtMdnFBZWtwYVQ1allfRjBqRHYwTmVEc2pEUFROVGNaYkhPYmFTa1hfYndUckRPY0ZJd9IBywJBVV95cUxPZGs1UXJocTB5azFnbmhpd19OLWFXZlVTRm9uVlBBa3BBcVN3UmRvWXZlRmZkWkVpcTgyeUdpaHNmUWRMcGVmb1JRVHBkOFo2VlpaUkp0ZHZtdERWSkRIU2JjNXA5Z2RfQTRULWZGUmFDbVlsa0ZmS1preU5adGE3MDRzTVdObTlrWmo1VlMwRzNBX0V2dFZST3dyRmg3TXBELXpTTWJ0LUVaSWxSSWZVZUlIbkZQbzB3YjczT28wV1UyY1FjLVQtNEhiZHk3MVNWMkYyYWNFbU1PbWNZSkZOdGMyTUZIY214YzN4eUhfVFJMMkJmN3RWeUQ3VDUyeFlfbmpWeTZXdkF0RDVpRktfYzRndl9pQXk0TWhIVkdxdUROazJJWHdlYlE2VVRXWnAyWUFFTDF4c0J3MllqM1Y3aGZ2cHptdENWVE1B?oc=5) · The Manila Times
- 2026-01-12 [BCB Community Bank appoints Sedicino as head of retail banking - ROI-NJ](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPUS0zZHdUcjBuSnh6ZDFMY3N0TGhmM0NKYXhIeHRzN0lHZ1oxRkFqQ20xbFhJLXhvZUZibFRSSHpEbmkxOE1Ec082bmZwZ2ZYSWZFNjd4cjgxeVlsZVUtbWFBZ2lNS1dqUHhKM3JPeUtPRlM5eUwzd1FrZEExblRyNFhmNUhKbTNfLVBFSUdnQ2s3OVhBOVhJa1hWV2U4dFNtX0NwOXpiR3k?oc=5) · ROI-NJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35541 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "35541", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide