BCBP

BCB Bancorp, Inc. is the holding company for BCB Community Bank, a New Jersey state-chartered commercial bank serving communities throughout New Jersey and the surrounding areas. Headquartered in Bayonne, New Jersey, BCB Community Bank has operated since 2000 (with roots in predecessor institutions dating back to the 1920s) and has grown to become a significant regional banking franchise with multiple branch locations. The bank provides traditional commercial banking products and services to businesses, professionals, and individual consumers. BCB Community Bank's business model emphasizes commercial real estate lending, commercial and industrial loans, multi-family residential lending, and small business banking. The bank serves a diverse customer base in the densely populated and economically active New Jersey market, with particular strength in Hudson County and surrounding areas. The loan portfolio is well-diversified across property types and borrowers, with concentration in commercial real estate and multi-family properties in the bank's market area. On the funding side, BCB offers a full range of deposit products including checking, savings, money market accounts, and certificates of deposit. The bank differentiates itself through relationship banking, local market knowledge, responsive service, and competitive pricing. BCB has maintained strong asset quality and capital ratios while generating consistent profitability. The bank has expanded through both organic growth and strategic acquisitions that have extended its market reach and product capabilities. BCB competes in a dense banking market against larger regional banks, national institutions, and other community banks by emphasizing personal service, quick decision-making, and deep understanding of local markets and customer needs.