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Overview / Commentary
860 Broadway
Bayonne, NJ 07002

BCB Community Bank is headquartered in Bayonne and is the 21st largest bank in the state of New Jersey. It is also the 546th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 271 employees at 11 locations. BCB Community Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 BCB Community Bank had $29.27 million in non-current loans and owned real-estate with $120.11 million in equity and loan loss allowances on hand to cover it. This gives BCB Community Bank a Texas Ratio of 24.37% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for BCB Community Bank experienced no significant changes from 24.34% as of March 31, 2013 to 24.37% as of March 31, 2014, resulting in a negative change of 0.13%. This indicates that the balance sheet and financial strength for BCB Community Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, BCB Community Bank has increased its total deposits by $48.3 million, resulting in 5.12% 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 excellent.



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 $1.24 billion in assets with $120.11 million in equity, resulting in a capitalization level of 9.66%, which is above average.

Institution Statistics

FDIC Certificate #35541
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.24 billion
Loans$1.06 billion
Deposits$992.15 million
Equity Capital$105.46 million
Loan Loss Allowance$14.65 million
Unbacked Noncurrent Loans$26.53 million
Real Estate Owned$2.75 million
Historic Data - March 2013
Assets$1.16 billion
Equity Capital$96.29 million
Loan Loss Allowance$13.34 million
Unbacked Noncurrent Loans$26.53 million
Real Estate Owned$4.34 million
Profit Margin - Quarterly
Return on Assets0.75%
Return on Equity8.83%
Interest Income$14.83 million

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BCB Community Bank Savings Account Rates

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

0.30%$50k-Money Market Checking

BCB Community Bank Checking Account Rates

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

BCB Community Bank CD Rates

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

1.40%$250-5 Year IRA
1.20%$250-4 Year IRA
1.00%$250-3 Year IRA
0.75%$250-2 Year IRA
0.45%$250-12 Month IRA

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