Total Assets
$3.3B
Total balance-sheet footings
FDIC Cert #35541 · Bayonne, New Jersey · Est. 2000
BCB Community Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $3.3B
- Total assets
- D
- Health grade · Weak
- -0.27%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
BCB Community Bank earns a PlainBankData health grade of D (46/100), with well-capitalized at 10.39% Tier 1, -0.27% ROA, 69% efficiency ratio.
- #389
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 10.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 35541 · NJ D · 46/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL
- GRADE-D D (46/100)
- BOTTOM-DECILE #4173/4307
- PHOTO-FINISH Border Bank · ND
- TIER1-WELL 10.4% Tier 1
- TEXAS-HEALTHY 16.6% Texas
- ROA-LOSS -0.27% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside New Jersey: Border Bank, ND (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around BCB Community Bank
Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.
What BCB Community Bank's Call Report plate shows
BCB Community Bank (FDIC Cert #35541) carries a PlainBankData health grade of D at 46/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,173 of 4,307. Tier 1 capital prints at 10.39%, clearing the 10% well-capitalized line. The Texas Ratio is 16.57%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.27%. Balance-sheet scale is $3.3B, 389th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Border Bank (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around BCB Community Bank
8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)
BCB Community Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; BCB Community Bank remains an active FDIC-insured reporter.
- CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
- HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
- FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.
How BCB Community Bank's 46/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (10.39%) 28/40
Return on Assets (ROA) (-0.27%) 0/25
Texas Ratio (16.57%) 10/20
Efficiency Ratio (68.51%) 8/15
46 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.7B
Customer-funded liabilities
Net Loans
$2.7B
Outstanding loan book
Net Income
$-9,225K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BCB Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BCB Community Bank's score of 46/100 falls in the highlighted band.
BCB Community Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
46 3rd percentile higher than 3% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
BCB Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BCB Community Bank's $3.3B falls in the highlighted band.
Safety ratios for BCB Community Bank
Tier 1 capital ratio
Well-capitalized 10%
10.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.39%
Texas Ratio
16.57%
Equity Capital
$348M
Profitability metrics: BCB Community Bank
Return on Assets (ROA)
3rd percentile nationally
-0.27%
Return on Equity (ROE)
-2.58%
Efficiency Ratio
68.51%
Income & expense: loss period at BCB Community Bank
$174M
Interest Income
$-7,153K
Non-Interest Income
$62M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BCB Community Bank reports a Texas Ratio of 16.57% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.57% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at BCB Community Bank
BCB Community Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-9,225K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at BCB Community Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New Jersey by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($3.3B here), outside New Jersey so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BCB Community Bank (FDIC Cert #35541) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
BCB Community Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |