BCB Community Bank

Bayonne, New JerseyFDIC Cert #35541

STATEEstablished 200027 branches

Holding company: BCB BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$421M
Investor CRE	$968M
Multifamily	$478M
Construction	$80.5M
1–4 family	$517M
C&I	$221M
Agriculture	$0
Other	$3.44M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$2.69B

−9.4%y/y

Percentile by value28th percentileby value

FDICLNLSGR

Net loans

$2.66B

−9.0%y/y

Percentile by value27th percentileby value

FDICLNLSNET

Loans YoY

−8.97%

+6.4%y/y

Percentile by value3rd percentileby value

FDICLNLSNET

L/D

99.4%

−8.5%y/y

Percentile by value85th percentileby value

FDICLNLSNET + DEP

Loans/assets

81.3%

−3.3%y/y

Percentile by value84th percentileby value

FDICLNLSNET + ASSET

RE loans %

93.96%

+2.7%y/y

Percentile by value82nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,309points

+9.0%y/y

Peer standing37th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

15.64%

−3.5%y/y

Percentile by value78th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

36.00%

+8.6%y/y

Percentile by value91st percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.21%

−20.4%y/y

Percentile by value31st percentileby value

FDICLNCI + LNLSGR