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Overview / Commentary
201-823-0700
860 Broadway
Bayonne, NJ 07002

BCB Community Bank is headquartered in Bayonne and is the 20th largest bank in the state of New Jersey. It is also the 553rd largest bank in the nation. It was established in 2000 and as of December of 2013, it had grown to 249 employees at 11 locations. BCB Community Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 BCB Community Bank had $22.79 million in non-current loans and owned real-estate with $118.07 million in equity and loan loss allowances on hand to cover it. This gives BCB Community Bank a Texas Ratio of 19.30% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for BCB Community Bank decreased slightly from 22.73% as of December 31, 2012 to 19.30% as of December 31, 2013, resulting in a positive change of 15.09%.This indicates that the balance sheet and financial strength for BCB Community Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, BCB Community Bank has increased its total deposits by $27.35 million, resulting in 2.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BCB Community Bank has shown is above average.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BCB Community Bank has $1.21 billion in assets with $118.07 million in equity, resulting in a capitalization level of 9.78%, which is above average.

Institution Statistics

Overall
FDIC Certificate #35541
Year Established2000
Employees249
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.21 billion
Loans$1.02 billion
Deposits$968.74 million
Equity Capital$103.73 million
Loan Loss Allowance$14.34 million
Unbacked Noncurrent Loans$20.56 million
Real Estate Owned$2.23 million
Historic Data - December 2012
Assets$1.17 billion
Equity Capital$95.04 million
Loan Loss Allowance$12.36 million
Unbacked Noncurrent Loans$20.56 million
Real Estate Owned$3.27 million
Profit Margin - Quarterly
Net Interest Margin4.22%
Return on Assets0.83%
Return on Equity9.95%
Interest Income$57.96 million
Rates

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BCB Community Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$100-Shareholder Savings
0.35%--Youth Savings
0.35%--Student Savings
0.10%$100-Passbook Savings
0.10%$100-Statement Savings
0.10%$100-Rent-Security Savings

BCB Community Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$50k-Money Market Checking

BCB Community Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$500-Senior Checking
0.10%$500-Choice Checking

BCB Community Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.40%$500-5 Year CD
1.20%$500-4 Year CD
1.00%$500-3 Year CD
0.75%$500-2 Year CD
0.45%$500-12 Month CD
0.20%$500-6 Month CD

BCB Community Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.40%$250-5 Year IRA (Traditional,Roth,CESA)
1.20%$250-4 Year IRA (Traditional,Roth,CESA)
1.00%$250-3 Year IRA (Traditional,Roth,CESA)
0.75%$250-2 Year IRA (Traditional,Roth,CESA)
0.45%$250-12 Month IRA (Traditional,Roth,CESA)
Locations

BCB Community Bank has 11 locations. Click to view all BCB Community Bank locations.