BlastPoint's Banking Scorecard
BCB Community Bank
Community
Specialty: Commercial
NJ
FDIC cert 35541
Bayonne, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
BCB Community Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 2% in Community
- - Liquidity Strain: Bottom 5% in Community
- - Return on Assets 1.43% below tier
- - Delinquency Rate 1.72% above tier
- - Nonperforming Asset Ratio 1.58% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
-8.9% YoY
-2.2% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.7B
-10.2% YoY
-3.5% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$2.7B
-2.9% YoY
-0.5% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
-0.27%
-146.5% YoY
-452.8% QoQ
|
-1.43% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.04%
+12.0% YoY
+2.3% QoQ
|
-0.62% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
68.51%
+19.3% YoY
+15.6% QoQ
|
+5.88% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
2.35%
+34.2% YoY
-29.9% QoQ
|
+1.72% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
100.63%
-7.5% YoY
-3.0% QoQ
|
+17.57% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.89%
+4.8% YoY
-0.5% QoQ
|
-1.16% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
2.08%
+42.7% YoY
-38.6% QoQ
|
+1.58% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
-0.22%
-491.8% YoY
-228.3% QoQ
|
-0.96% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Capital Thin
risk
#9 of 432 · Bottom 2% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Liquidity Strain
risk
#29 of 513 · Bottom 5% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.63%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.27%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.35%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.08%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
93
93th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.89% · Tier avg: 21.05%
30
30th pctile
Efficiency Ratio
Current: 68.51% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.63% · Tier avg: 83.06%
7
7th pctile
Delinquency Rate
Current: 2.35% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.50%
2
2th pctile
Return on Assets
Current: -0.27% · Tier avg: 1.16%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -0.27% · Tier avg: 1.16%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.35% · Tier avg: 0.63%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.63% · Tier avg: 83.06%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Efficiency Ratio
Current: 68.51% · Tier avg: 62.63%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.89% · Tier avg: 21.05%
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
93
93th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M