Bcb Community Bank (FDIC #35541): Bank Stress & Real-Estate Credit Exposure
Bcb Community Bank (FDIC Cert #35541): bank stress 87/100, severe, STABLE over 7 days; parent BCB BCORP INC.
Bcb Community Bank (#35541) lends in 9 counties across 2 states; Bcb Community Bank (#35541) reaches 370 ZIP codes: New Jersey 7 counties, 287 ZIPs; New York 2 counties, 83 ZIPs.
Bcb Community Bank (#35541) largest markets: Nassau County, NY (70 branches, 70 ZIPs) (#35541), Bergen County, NJ (198 branches, 66 ZIPs) (#35541), Morris County, NJ (58 branches, 58 ZIPs) (#35541), Monmouth County, NJ (52 branches, 52 ZIPs) (#35541), Middlesex County, NJ (176 branches, 44 ZIPs) (#35541), Essex County, NJ (124 branches, 31 ZIPs) (#35541).
Bcb Community Bank (#35541) reports $3.12 billion in total assets; Bcb Community Bank (#35541) equity $334.9 million (10.7% of Bcb Community Bank (#35541) assets); Bcb Community Bank (#35541) domestic deposits $2.64 billion; Bcb Community Bank (#35541) net income minus $8.0 million; Bcb Community Bank (#35541) return on assets -0.50%; Bcb Community Bank (#35541) return on equity -4.67%; Bcb Community Bank (#35541) net interest income $48.8 million; Bcb Community Bank (#35541) call report June 30, 2026.
Bcb Community Bank (#35541) noncurrent real-estate loans 0.19% of its book; Bcb Community Bank (#35541) multifamily 0.30%; Bcb Community Bank (#35541) residential 0.23%; Bcb Community Bank (#35541) net charge-offs on real estate 3.04%; Bcb Community Bank (#35541) multifamily charge-offs 2.53%; Bcb Community Bank (#35541) residential charge-offs 2.93%.
Bcb Community Bank (#35541) net interest margin 3.21% against an eight-quarter Bcb Community Bank (#35541) average of 2.93% (Bcb Community Bank (#35541) compression -0.28 points); Bcb Community Bank (#35541) real-estate loans 19.0% of equity; Bcb Community Bank (#35541) non-residential real estate 293.3% of equity; Bcb Community Bank (#35541) rate-exposure score 40/100, Bcb Community Bank (#35541) fixed-rate trap 40/100; Bcb Community Bank (#35541) risk type credit driven; Bcb Community Bank (#35541) rate regime rates elevated, Bcb Community Bank (#35541) snapshot October 20, 2026.
Bcb Community Bank (#35541) stress score moved from 72.3 on June 22, 2026 to 86.7 on October 20, 2026; Bcb Community Bank (#35541) ranged 72.3 to 86.7 over 117 snapshots.
Bcb Community Bank (#35541) alerts: 9 counties; top Bcb Community Bank (#35541) alert scores: Union County, NJ 48 (moderate); Hicksville County, NJ 28 (low); Holmdel County, NJ 28 (low); Jersey City County, NJ 28 (low); Parsippany County, NJ 28 (low).