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Bcb Community Bank
Bayonne, NJ · FDIC Certificate #35541 · Chartered 11/0
Total assets
$3.12B
Total deposits
$2.64B
Total equity
$334.90M
Net loans
$2.60B
Branches (offices)
27
Net income (YTD)
-$8.03M
Rank: #413 of 4,213 U.S. banks by assets · #15 of 49 in New Jersey. Assets changed -7.7% and deposits -1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.50% |
| Return on equity | -4.67% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 10.74% |
| Tier 1 leverage ratio | 10.38% |
| Uninsured deposits (share of deposits) | 44.8% |
| Noncurrent loans (share of loans) | 2.85% |
| Net charge-offs (share of loans) | 0.78% |
| Loans to deposits | 98.6% |
| Real estate loans (share of loans) | 93.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.42B | 93.1% | |
| Commercial & industrial | $220.35M | 8.5% | |
| Consumer / individual | $2.66M | 0.1% | |
| Construction & development | $49.06M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.07B | $2.66B | $21.01M | $307.73M |
| Jun 2023 | $3.87B | $2.89B | $17.70M | $336.46M |
| Jun 2024 | $3.79B | $2.94B | $9.95M | $357.20M |
| Jun 2025 | $3.38B | $2.66B | -$3.10M | $357.80M |
| Jun 2026 | $3.12B | $2.64B | -$8.03M | $334.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $2.45B | 23 |
| New York | $184.68M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.64B.
Similar-sized banks
Amboy Bank ($3.12B) · Unibank For Savings ($3.11B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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