🏦Bank Scorer

BCB COMMUNITY BANK

BAYONNE, NJ · Supervised by FDIC

Est. 2000FDIC #35,541RSSD: FDIC-35541
Part ofBCB BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.70%

Institution Profile

FDIC BankFind

Address

860 Broadway, BAYONNE, NJ

County

Hudson County

Established

November 1, 2000

Total Assets

$3.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.7B

Net Loans

$2.7B

Net Income

$6M

ROA

0.70%

ROE

6.58%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate22.77%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

27

Branch Deposits

$2.7B

1-Year Change

0

5-year net change: -3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410171.29%22.77%
202322674.34%12.83%
202234884.48%4.31%
202137582.93%5.07%
202039078.46%7.44%
201930776.55%5.86%
201855781.33%6.28%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 2003

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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