| Metric | BCB Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.7% | +5.5% | -13.2 pts |
| Deposit growth (YoY) | -1.0% | +5.1% | -6.0 pts |
| Loan growth (YoY) | -9.2% | +5.9% | -15.1 pts |
| ROA | -0.50% | 1.26% | -1.8 pts |
| ROE | -4.7% | 12.2% | -16.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.12B | $2.64B | $2.60B | $334.9M | $-8.0M | -0.50% | 3.21% | 2.58% |
| Q1 2026 | $3.27B | $2.67B | $2.66B | $350.2M | $5.7M | 0.70% | 3.12% | 1.98% |
| Q4 2025 | $3.28B | $2.67B | $2.69B | $347.9M | $-9.2M | -0.27% | 3.04% | 2.08% |
| Q3 2025 | $3.35B | $2.69B | $2.79B | $361.6M | $2.0M | 0.08% | 2.98% | 3.39% |
| Q2 2025 | $3.38B | $2.66B | $2.86B | $357.8M | $-3.1M | -0.18% | 2.90% | 3.33% |
| Q1 2025 | $3.47B | $2.69B | $2.92B | $355.7M | $-7.5M | -0.85% | 2.79% | 2.87% |
| Q4 2024 | $3.60B | $2.75B | $3.00B | $364.8M | $21.7M | 0.58% | 2.72% | 1.46% |
| Q3 2024 | $3.61B | $2.75B | $3.09B | $365.1M | $17.4M | 0.62% | 2.71% | 1.15% |
Loan mix (Q2 2026): real estate $2.42B · commercial $220.3M · consumer $2.7M · securities $152.3M
| Ratio | BCB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.50% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -4.7% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 59.0% | 67th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | BCB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | BCB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | BCB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | BCB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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