BCB Bancorp, Inc. (NASDAQ: BCBP) is a New Jersey bank holding company that owns and operates BCB Community Bank, a community bank serving the New Jersey and New York metropolitan area. The company was established in 2003 and is headquartered at 104-110 Avenue C, Bayonne, New Jersey. Revenue is generated primarily through net interest income on loans and deposits, with lending concentrated in commercial real estate. As of December 31, 2025, BCB Bancorp carried a commercial real estate loan concentration at 403 percent of risk-based capital, which exceeds the federal regulatory threshold of 300 percent and subjects the bank to heightened supervisory scrutiny. The bank targets small to mid-sized businesses as its primary lending and deposit customers. Deposit products include demand accounts, NOW accounts, savings and club accounts, money market accounts, and certificates of deposit, including $80.5 million in brokered certificates of deposit as of December 31, 2025.

Revenue model

Net interest income from loans and deposits is the primary revenue source. The bank accepts consumer and commercial deposits and deploys that capital into loans, earning the spread between interest paid on deposits and interest earned on loans. Deposit pricing is set by senior management based on liquidity needs, competitor rates, and growth goals.

Products and services

Deposit products include demand accounts, NOW accounts, savings and club accounts, money market accounts, and certificates of deposit. Lending products are concentrated in commercial real estate, including construction, land acquisition and development, multi-family, and non-owner occupied non-residential property loans.

Customers and end markets

Primary customers are small to mid-sized businesses in the New Jersey and New York metropolitan area. The bank also serves retail consumers within its local market. Small business borrowers are noted as potentially more vulnerable to economic downturns than larger enterprises.

Value-chain role

Community bank and holding company. Accepts deposits from local consumers and businesses, then deploys capital as loans primarily secured by commercial real estate within its geographic market.

Geographic exposure

Operations are concentrated in New Jersey and the New York metropolitan area. Business, branch locations, and real estate collateral are all described as geographically concentrated in this region as of the 10-K filed March 9, 2026.

Competitors

commercial banks operating in New Jersey and the New York metropolitan area, savings institutions, mortgage brokerage firms, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking firms

Source: SEC 10-K, filed 2026-03-09

Industry: Savings Institution, Federally Chartered Peers: Esquire Financial Holdings Inc First Bancorp Inc First Business Financial Services Inc PCB Bancorp PCSB Financial Corp PNC Financial Services Group Inc Primis Financial Corp Sierra Bancorp