BCB Bancorp, Inc. (BCBP): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Descubra el plan estratégico detrás de BCB Bancorp, Inc. (BCBP), una institución financiera dinámica que ha tejido magistralmente la banca comunitaria local con innovación digital de vanguardia. Este lienzo de modelo de negocio integral revela cómo BCBP transforma la banca tradicional al aprovechar las redes regionales sólidas, las relaciones personalizadas de los clientes e infraestructura tecnológica avanzada para brindar servicios financieros excepcionales en el paisaje empresarial y de banca personal de Nueva Jersey.

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: asociaciones clave

Asociaciones comerciales locales y regionales en Nueva Jersey

BCB Bancorp mantiene asociaciones con las siguientes asociaciones comerciales de Nueva Jersey:

Nombre de la asociación	Tipo de colaboración	Año establecido
Asociación de Banqueros de Nueva Jersey	Redes profesionales	Activo desde 2019
Negocio de Nueva Jersey & Asociación de la industria	Desarrollo económico	Activo desde 2017

Préstamos hipotecarios y redes inmobiliarias

Las asociaciones de préstamos hipotecarios de BCB Bancorp incluyen:

• Fannie Mae: Asociación de titulización hipotecaria
• Freddie Mac: Acuerdos de compra de préstamos y refinanciamiento
• Empresas inmobiliarias locales en áreas metropolitanas de Nueva Jersey

Proveedores de servicios de tecnología para soluciones de banca digital

Proveedor de tecnología	Servicio proporcionado	Valor de contrato
Jack Henry & Asociado	Software bancario central	$ 2.3 millones anualmente
Fiserv	Plataforma de banca digital	$ 1.7 millones anuales

Organizaciones de inversión comunitaria y desarrollo económico

BCB Bancorp colabora con:

• Autoridad de desarrollo económico de Nueva Jersey
• Instituciones financieras de desarrollo comunitario local (CDFIS)
• Programas de préstamos de Administración de Pequeñas Empresas (SBA)

Empresas fintech para transformación digital

Socio de fintech	Enfoque tecnológico	Año de implementación
Tartán	Integración de datos financieros	2022
Raya	Procesamiento de pagos	2021

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, BCB Bancorp informó activos totales de $ 4.46 mil millones. El banco ofrece servicios de banca comercial y de consumo en Nueva Jersey con 32 ubicaciones de sucursales de servicio completo.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 2.18 mil millones
Préstamos al consumo	$ 1.37 mil millones
Depósitos totales	$ 3.92 mil millones

Préstamo y origen hipotecario

Los préstamos hipotecarios representan una porción significativa de las actividades de préstamo de BCB Bancorp.

• Volumen de origen de la hipoteca residencial: $ 412 millones en 2023
• Portafolio de préstamos hipotecarios: $ 1.06 mil millones
• Tamaño promedio del préstamo hipotecario: $ 385,000

Gestión de productos de depósito e inversión

BCB Bancorp ofrece diversos productos de depósito e inversión.

Tipo de producto	Saldo total
Cuentas corrientes	$ 1.24 mil millones
Cuentas de ahorro	$ 782 millones
Cuentas del mercado monetario	$ 456 millones

Desarrollo de la plataforma de banca digital

BCB Bancorp ha invertido en infraestructura bancaria digital.

• Usuarios bancarios en línea: 68,500
• Descargas de aplicaciones de banca móvil: 42,300
• Volumen de transacciones digitales: 1.2 millones de transacciones mensuales

Gestión de riesgos y monitoreo de cumplimiento

El banco mantiene protocolos sólidos de gestión de riesgos.

Métrica de gestión de riesgos	2023 rendimiento
Relación de préstamos sin rendimiento	0.87%
Reserva de pérdida de préstamo	$ 42.3 millones
Relación de capital regulatorio	13.6%

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: recursos clave

Red bancaria regional fuerte en Nueva Jersey

A partir del cuarto trimestre de 2023, BCB Bancorp opera 33 ubicaciones de sucursales de servicio completo en Nueva Jersey. Los activos bancarios totales fueron de $ 5.32 mil millones al 31 de diciembre de 2023.

Ubicaciones de ramas	Activos totales	Cobertura geográfica
33 ramas	$ 5.32 mil millones	Áreas metropolitanas de Nueva Jersey

Profesionales de gestión y banca experimentados

El equipo de liderazgo de BCB Bancorp tiene una experiencia bancaria promedio de 22 años. El equipo ejecutivo incluye:

• Thomas Catal - Presidente y CEO
• Mark Manzo - Director Financiero
• John Maraldo - Director de Operaciones

Infraestructura de banca digital avanzada

Métricas bancarias digitales:

• Usuarios bancarios en línea: 78,456
• Descargas de aplicaciones de banca móvil: 42,310
• Volumen de transacciones digitales: 1.2 millones de transacciones mensuales

Capital financiero y reservas robustas

Métrico de capital	Valor	Reglamentario
Relación de capital de nivel 1	12.4%	Mínimo 8%
Relación de capital total	13.6%	Mínimo 10%

Sistemas de gestión de datos y relaciones de clientes

Tamaño de la base de datos del cliente: 145,230 cuentas activas. Pistas del sistema CRM:

• Historial de interacción del cliente
• Preferencias de productos
• Patrones de transacción
• Riesgo profile

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos locales

A partir del cuarto trimestre de 2023, BCB Bancorp ofreció las siguientes soluciones bancarias específicas:

Segmento de clientes	Ofertas de productos	Monto promedio del préstamo
Pequeñas empresas	Cuentas corrientes de negocios	$275,000
Clientes comerciales	Préstamos inmobiliarios comerciales	$ 3.2 millones
Banca personal	Marca/ahorros personales	Saldo promedio de $ 85,000

Tasas de interés competitivas y productos financieros

Tasas de interés y detalles del producto para el cuarto trimestre 2023:

• Tasas de interés del préstamo comercial: 6.25% - 8.75%
• Tasa de cuenta de ahorro personal: 3.15%
• Tasa de cuenta del mercado monetario: 3.50%
• Certificado de tasas de depósito: 4.25% - 5.10%

Experiencias de banca digital y física convenientes

Canal bancario digital	Compromiso de usuario
Usuarios de aplicaciones de banca móvil	42,500 usuarios activos
Transacciones bancarias en línea	1,2 millones de transacciones mensuales
Red de sucursales físicas	26 sucursales en Nueva Jersey

Servicios financieros sólidos centrados en la comunidad

Métricas de inversión comunitaria para 2023:

• Préstamos comunitarios locales: $ 487 millones
• Fondos de soporte de pequeñas empresas: $ 62.3 millones
• Inversiones de desarrollo comunitario: $ 14.2 millones

Atención al cliente receptiva y basada en relaciones

Métrica de servicio al cliente	Actuación
Puntuación promedio de satisfacción del cliente	4.6/5
Tiempo de respuesta promedio	2.3 horas
Tasa de retención de clientes	87.5%

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: Relaciones con los clientes

Gestión de cuentas personalizada

BCB Bancorp ofrece una gestión de cuentas personalizada con 37 ubicaciones de sucursales de servicio completo en Nueva Jersey y Nueva York a partir de 2023. El banco mantiene un total de $ 5.6 mil millones en activos totales y atiende a aproximadamente 72,000 cuentas de clientes.

Canal de servicio al cliente	Disponibilidad	Tiempo de respuesta
Especialistas en banca personal	De lunes a viernes de 8 a.m. a 6 p.m.	Dentro de las 24 horas
Soporte telefónico	24/7	Inmediato
Chat en línea	Horas extendidas	En 15 minutos

Interacción de la sucursal local y compromiso comunitario

BCB Bancorp se involucra activamente en iniciativas de la comunidad local, con $ 1.2 millones asignados a programas de desarrollo comunitario en 2022.

• 37 ubicaciones de sucursales locales
• Participación activa en eventos comunitarios
• Soporte local de redes comerciales

Soporte bancario digital y servicio al cliente en línea

Las plataformas de banca digital incluyen banca móvil con 42,000 usuarios digitales activos a partir del cuarto trimestre de 2023. La tasa de penetración bancaria en línea es del 68% entre la base de clientes.

Servicio digital	Tasa de adopción de usuarios
Aplicación de banca móvil	62%
Pago de factura en línea	55%
Depósito de cheque móvil	48%

Enfoque de banca de relación

BCB Bancorp se centra en la banca de relaciones con una tasa de retención de clientes promedio del 87% y el valor de relación promedio de la cuenta de $ 127,500 por cliente.

Servicios de asesoramiento financiero a medida

Los servicios de asesoramiento financiero incluyen Consultas de inversión personalizadas con 24 asesores financieros dedicados. El tamaño promedio de la cuenta de asesoramiento es de $ 475,000.

Servicio de asesoramiento	Número de asesores	Tamaño promedio de la cuenta
Consultoría de inversión personal	24	$475,000
Planificación de jubilación	18	$356,000
Gestión de patrimonio	12	$685,000

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: canales

Red de sucursales físicas en Nueva Jersey

A partir de 2023, BCB Bancorp opera 27 ubicaciones de sucursales de servicio completo exclusivamente en Nueva Jersey.

Categoría de rama	Número de ramas	Ubicaciones principales
Ramas de servicio completo	27	Condados de Bergen, Hudson, Essex
Centros de banca comercial	5	Nueva Jersey del norte

Plataformas de banca en línea

BCB Bancorp ofrece servicios integrales de banca en línea a través de plataformas digitales seguras.

• Plataforma basada en la web disponible 24/7
• Características de gestión de cuentas
• Servicios de pago de facturas en línea
• Declaraciones electrónicas

Aplicaciones de banca móvil

Aplicación de banca móvil disponible para plataformas iOS y Android con 45,678 usuarios móviles activos a partir del cuarto trimestre de 2023.

Red de cajeros automáticos

Tipo de cajero automático	Recuento total	Cobertura de red
Cajeros automáticos	38	Nueva Jersey
ATM de red compartidos	150+	A escala nacional

Centros de llamadas de servicio al cliente

Atención al cliente disponible a través de múltiples canales:

• Soporte telefónico dedicado: (201) 385-4400
• Horario extendido: de lunes a viernes de 8 a.m. a 6 p.m.
• Horario de apoyo del sábado: 8 am - 12 pm

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas en Nueva Jersey

A partir del cuarto trimestre de 2023, BCB Bancorp atiende a aproximadamente 3.750 clientes comerciales pequeños a medianos en Nueva Jersey.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	1,275	$487,000
Servicios profesionales	1,150	$412,000
Fabricación	825	$653,000

Clientes residenciales locales

BCB Bancorp atiende a 45,620 clientes de banca residencial local en Nueva Jersey a diciembre de 2023.

• Cartera de hipotecas residenciales primarias: $ 1.2 mil millones
• Monto promedio del préstamo residencial: $ 385,000
• Líneas de crédito de capital doméstico: 12,350 cuentas activas

Inversores inmobiliarios comerciales

La base de clientes de inversión inmobiliaria comercial totaliza 620 clientes activos con una cartera total de préstamos de bienes raíces comerciales de $ 1.65 mil millones.

Tipo de propiedad	Número de inversores	Valor de inversión total
Multifamiliar	275	$ 762 millones
Edificios de oficinas	185	$ 453 millones
Espacios minoristas	160	$ 435 millones

Clientes bancarios individuales y familiares

Base de clientes bancarios individuales: 67,450 cuentas a diciembre de 2023.

• Cuentas corrientes personales: 42,300
• Cuentas de ahorro personal: 38,750
• Valor promedio de la relación con el cliente: $ 87,500

Organizaciones sin fines de lucro y comunitarias

BCB Bancorp admite 215 organizaciones comunitarias y sin fines de lucro con servicios bancarios especializados.

Tipo de organización	Número de clientes	Relación bancaria total
Organizaciones benéficas locales	85	$ 24.3 millones
Instituciones educativas	62	$ 18.7 millones
Fundamentos de la comunidad	68	$ 21.5 millones

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

Para el año fiscal 2023, BCB Bancorp informó gastos de operación de la sucursal de $ 18.4 millones, que incluye:

Categoría de gastos	Monto ($)
Costos de ocupación	7,600,000
Utilidades	2,300,000
Mantenimiento	3,500,000
Equipo	5,000,000

Tecnología e inversiones en infraestructura digital

La inversión tecnológica para 2023 totalizó $ 6.2 millones, con el siguiente desglose:

• Sistemas bancarios centrales: $ 2.8 millones
• Infraestructura de ciberseguridad: $ 1.5 millones
• Plataformas de banca digital: $ 1.9 millones

Salarios y beneficios de los empleados

La compensación total de los empleados para 2023 fue de $ 42.6 millones, estructurada de la siguiente manera:

Categoría de compensación	Monto ($)
Salarios base	31,500,000
Bonos de rendimiento	5,600,000
Beneficios de atención médica	3,200,000
Contribuciones de jubilación	2,300,000

Cumplimiento regulatorio y gestión de riesgos

Los costos de cumplimiento para 2023 ascendieron a $ 5.7 millones:

• Informes regulatorios: $ 1.9 millones
• Aviso legal: $ 1.5 millones
• Auditoría interna: $ 1.3 millones
• Sistemas de gestión de riesgos: $ 1.0 millones

Costos de marketing y adquisición de clientes

El gasto de marketing para 2023 fue de $ 3.9 millones:

Canal de marketing	Monto ($)
Marketing digital	1,600,000
Publicidad tradicional	1,200,000
Patrocinios comunitarios	600,000
Programas de referencia de clientes	500,000

BCB Bancorp, Inc. (BCBP) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, BCB Bancorp informó $ 101.9 millones en ingresos de intereses totales. El desglose de los ingresos por intereses fue el siguiente:

Fuente de ingresos	Cantidad
Préstamos	$ 92.3 millones
Valores de inversión	$ 9.6 millones

Tarifas de préstamos hipotecarios

Tarifas de préstamos hipotecarios generados $ 7.2 millones en ingresos para el año 2023, que representa un aumento del 3.5% respecto al año anterior.

Cargos de servicio y tarifas de transacción

Cargos de servicio y tarifas de transacción contribuidas $ 12.5 millones a las fuentes de ingresos del banco en 2023:

• CARGOS DE SERVICIO DE CUENTA DE DISPOSITOS: $ 6.8 millones
• Tarifas de transacción de cajeros automáticos: $ 3.2 millones
• Otras tarifas de servicio bancario: $ 2.5 millones

Comisiones de productos de inversión

Las comisiones de productos de inversión totalizaron $ 4.3 millones En 2023, con la siguiente distribución:

Producto de inversión	Ingresos por comisión
Fondos mutuos	$ 2.1 millones
Servicios de cuentas de jubilación	$ 1.5 millones
Gestión de patrimonio	$ 0.7 millones

Ingresos del servicio bancario digital

Servicios de banca digital generados $ 3.6 millones en ingresos para 2023, con el siguiente desglose:

• Tarifas de transacción bancaria en línea: $ 1.9 millones
• Tarifas del servicio de banca móvil: $ 1.2 millones
• Procesamiento de pagos digitales: $ 0.5 millones

BCB Bancorp, Inc. (BCBP) - Canvas Business Model: Value Propositions

You're looking at what BCB Bancorp, Inc. actually offers its clients-the core value it delivers to keep them banking there. It's about blending that local feel with the tools you need today.

Local decision-making and personalized, relationship-driven banking

The value proposition centers on having decisions made close to home, which means faster turnaround times for you, the borrower or depositor. This is supported by a physical footprint designed for local service.

• Operates 23 branches across New Jersey and four branches in New York as of early 2025.
• Supported 118 organizations through community engagement.
• Maintained a quarterly cash dividend of $0.16 per share as of Q3 2025.

Specialized commercial real estate and multi-family financing

BCB Bancorp, Inc. emphasizes its expertise in real estate-backed lending, a core competency that defines a significant part of its business. This specialization is a key differentiator for commercial clients.

Loan Category/Metric	Value/Amount	Date/Period
Gross Loans (Total)	$2,828.93 Mil	September 2025
Commercial Real Estate and Multi-family Loans (Decrease)	$125.0 million	Q2 2025
Concentration in CRE-related Loans (vs. Risk-Based Capital)	480.6 percent	December 31, 2023

The bank's leadership noted that its principal lending activity is the origination of loans collateralized by commercial properties and commercial business loans.

Diversified deposit products including money market and CDs

For depositors, the value is in having a range of FDIC-insured options that can be tailored, especially when market conditions shift deposit preferences. The bank actively manages its funding mix to optimize costs.

• Total Deposits stood at $2.687B as of September 30, 2025.
• Total Deposits CAGR over 10 Years is 8%.
• In Q2 2025, increases in money market accounts and certificate of deposit (CD) accounts helped offset declines elsewhere.
• The cost of interest-bearing liabilities sequentially declined to 3.06% in Q3 2025.

Community bank accessibility with modern digital services

This proposition is the blend of traditional, accessible community banking with necessary technological upgrades. You get the relationship banking mentioned earlier, but with updated tools.

BCB Bancorp, Inc. introduced an updated digital banking platform earlier in 2025 to make money management easier for clients. The bank's approach combines high tech with high touch.

Tailored lending solutions for small and medium-sized enterprises (SMEs)

BCB Bancorp, Inc. supports local business growth through specific lending products and dedicated teams. They have built out their infrastructure to serve this segment better.

The bank has expanded its commercial & industrial team and added a robust business banking group to help business clients succeed. Lending products offered include commercial business loans and Small Business Administration (SBA) loans. Net Income for Q3 2025 was $4.3 million.

BCB Bancorp, Inc. (BCBP) - Canvas Business Model: Customer Relationships

You're looking at how BCB Bancorp, Inc. keeps its customers close, which is the heart of its community bank strategy. For your commercial clients, the approach is definitely hands-on. BCB Bancorp, Inc. emphasizes a relationship-driven approach, offering customized cash management services specifically for local businesses. This means you aren't just an account number; you're working with people who understand your regional financing needs.

This personal touch is anchored by a physical presence. BCB Community Bank operates through a network of 27 branch offices across New Jersey and New York as of mid-2025. This footprint supports the high-touch service model BCB Bancorp, Inc. uses to build and maintain those deep, local business relationships.

Here's a quick look at the scale of operations and recent performance metrics that underpin these customer interactions as of the third quarter of 2025:

Metric	Value (as of Q3 2025 or latest available)	Date/Period
Total Deposits	$2.662 billion	June 30, 2025
Net Interest Margin (NIM)	2.88%	Q3 2025
Quarterly Revenue	$26.46 million	Q3 2025
Net Income	$4.3 million	Q3 2025
Declared Quarterly Cash Dividend	$0.16 per share	Q3 2025

The customer relationship structure is clearly segmented based on client type, balancing high-touch service for commercial needs with efficiency for the retail base. The core elements driving these relationships include:

• Dedicated relationship managers for commercial clients.
• In-person service at 27 physical branch locations.
• High-touch, personalized service model for local businesses.
• Standardized, self-service digital tools for retail customers.
• Responsive customer service to manage account inquiries.

For your retail customers, BCB Bancorp, Inc. relies on standardized, self-service digital tools, which the bank supports through its online and mobile banking services. Still, the commitment to responsive customer service remains, ensuring that when an account inquiry comes in, it gets handled quickly. This dual approach-deep commercial relationships backed by physical access, and streamlined digital access for retail-is how BCB Bancorp, Inc. manages its diverse customer base.

BCB Bancorp, Inc. (BCBP) - Canvas Business Model: Channels

You're looking at how BCB Bancorp, Inc. gets its services-from deposits to loan originations-into the hands of its community customers. It's a mix of traditional brick-and-mortar presence and the digital tools you'd expect from a modern regional bank.

The physical branch network remains a core part of the channel strategy, anchoring the bank in its key New Jersey and New York markets. As of mid-2025 reporting, the physical footprint is quite specific.

Channel Component	Location Count	Geographic Focus
Physical Branch Network (New Jersey)	23	New Jersey (e.g., Bayonne, Edison, Hoboken, Newark, Parsippany)
Physical Branch Network (New York)	4	New York (Hicksville and Staten Island)
Total Physical Branches (as of Q2 2025)	27	Northeast Metro Area

This physical network supports a balance sheet that, as of June 30, 2025, held total assets of $3.380 billion. The bank competes by keeping these locations accessible in commuter communities.

For convenience, BCB Bancorp, Inc. supports its physical presence with digital access points. The bank selected a new digital banking platform in late 2022 to unify the experience for both retail and commercial clients, which is now fully deployed.

• Online banking platform for retail customers.
• Online cash management services for business clients.

The mobile banking application is a key channel for transactional banking, especially for remote services. You can assume this includes the remote deposit capture feature that has become standard for deposit-taking institutions.

• Mobile banking application access.
• Remote deposit capture functionality.

To support cash access, BCB Bancorp, Inc. utilizes a network that includes its own machines and those operated by others. While the exact number of proprietary ATMs isn't public in the latest filings, the bank competes by ensuring access across its service area.

Loan origination, a critical revenue stream, relies heavily on direct relationship managers. The strategy involves hiring experienced bankers with pre-existing business relationships in the markets served.

Here's a quick look at the scale of the business these channels support, based on the latest reported figures:

Financial Metric	Amount/Rate (as of late 2025)	Reporting Date
Total Deposits	$2.662 billion	June 30, 2025
Trailing Twelve Month Revenue	$98.6M	September 30, 2025
Net Interest Margin	2.80 percent	Q2 2025
Efficiency Ratio	60.6 percent	Q2 2025

The direct loan officers focus on commercial real estate, commercial and industrial loans, residential mortgages, and Small Business Administration loans. This direct sales force is essential for originating the loan portfolio that drives a significant portion of the bank's interest income. The bank's market area is well-served by arterial roadways, which supports the mobility of these direct loan officers.

BCB Bancorp, Inc. (BCBP) - Canvas Business Model: Customer Segments

You're looking at the core groups BCB Bancorp, Inc. (BCBP) serves with its capital and deposit-taking activities as of late 2025. The bank's focus is heavily weighted toward commercial real estate, which is where the majority of its lending risk and reward sits.

Commercial and multi-family real estate investors form the bedrock of the lending side of the business. This segment is responsible for a commanding portion of the total loan book. As of June 30, 2025, loans to commercial and multi-family real estate investors represented 71.7% of BCB Bancorp, Inc.'s entire loan portfolio. This concentration shows where the bank places its primary credit bets in the New York metropolitan area.

To give you a clearer picture of how the loan book is split, here's a look at the recorded investment mix from recent quarters. You can see the dominance of the commercial and multi-family category:

Loan Category	Q3 2025 Recorded Investment ($USD Thousands)	Q2 2025 % of Portfolio (Approximate)
Commercial & Multi-Family	2,135,385	71.7%
Residential 1-4 Family	227,140	7.9%
Commercial Business Loans	N/A	7.7%
Cannabis-Related Loans	N/A	3.5%

Next up are small and medium-sized enterprises (SMEs) in the NY metropolitan area. BCB Bancorp, Inc. supports these businesses through various commercial lending products. For instance, their SBA and other small business lending platform had a total portfolio size of $1,059 million as of September 30, 2025, carrying an estimated yield of 7.6% for that period. This platform is key to their community bank identity in New Jersey and New York.

The bank also serves individual retail customers seeking deposit and consumer loan products. These customers are the source of the bank's core funding. As of June 30, 2025, BCB Bancorp, Inc. maintained a total deposit base of $2.7 billion. A portion of that, specifically 20.2% (or $539 million), was in non-interest-bearing accounts, which is a relatively low-cost funding source.

Serving residential mortgage borrowers in New Jersey and New York is another distinct group. While not the largest segment, it provides stable, secured lending. The residential 1-4 family loan category stood at $227,140 thousand in recorded investment as of the third quarter of 2025. This aligns with the earlier data showing residential mortgages were about 7.9% of the gross portfolio at the end of Q2 2025.

Finally, there is the specialized, higher-risk segment of cannabis-related businesses. Management has been transparent about the challenges here, but it remains a defined part of the portfolio. As of the end of the second quarter of 2025, BCB Bancorp, Inc. held just over $103 million in cannabis-related loans, which accounted for exactly 3.5% of the total loan portfolio. That specific loan exposure caused a significant reserve adjustment earlier in 2025.

• The bank operates 22 branch locations in New Jersey and four in New York.
• Total non-accrual loans were $93.5 million at the end of Q3 2025.
• The allowance for credit losses on loans was $50.7 million at June 30, 2025.

Finance: draft the Key Partners section mapping out correspondent banking relationships by next Tuesday.

BCB Bancorp, Inc. (BCBP) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive BCB Bancorp, Inc.'s operations as of late 2025. For a bank, the cost of money-liabilities-is usually the biggest line item, followed closely by managing credit risk and the cost of the physical footprint and staff.

Interest expense on deposits and borrowed funds, which is the cost of liabilities, saw a favorable trend moving into the second quarter of 2025. The total cost of interest-bearing liabilities decreased to 3.16% for Q2 2025, which is an improvement from the 3.33% reported for Q1 2025. This reduction reflects the balance sheet optimization efforts management discussed, likely involving shedding higher-cost wholesale funding sources. For context, the cost was 3.56% in Q2 2024.

Managing credit risk is a significant, variable cost. The Provision for credit losses, which is the expense set aside for potential loan defaults, totaled $4.9 million in Q2 2025. This was a sharp drop from the $20.8 million recorded in Q1 2025, though it was higher than the $2.4 million provision taken in Q2 2024. This volatility is tied to the ongoing challenges in the cannabis loan portfolio, which stood at $103.0 million as of the end of Q2 2025.

Personnel expenses for branch staff and lending officers fall under non-interest expense. For the first six months of 2025, compensation and employee benefits increased by $1.1 million compared to the same period in 2024. The total non-interest expense for the first six months of 2025 was $29.9 million, up from $28.8 million for the first six months of 2024.

Operating expenses, measured by the efficiency ratio (non-interest expense divided by total revenue), showed improvement. The efficiency ratio was 61.6% in Q1 2025, as you noted. By Q2 2025, BCB Bancorp, Inc. managed to improve this to 60.6%, indicating better cost management relative to revenue generation in that quarter. This is better than the 68.6% reported in Q2 2024.

Occupancy and equipment costs are tied directly to the physical network. For Q1 2025, net occupancy and equipment costs were reported at $306 thousand. This supports the cost base associated with maintaining the 27-branch network across New Jersey. For comparison, the net occupancy and equipment cost was $317 thousand in Q4 2024.

Here's a quick look at some of the key cost components we can track from recent filings:

• Cost of interest-bearing liabilities (Q2 2025): 3.16%
• Provision for credit losses (Q2 2025): $4.9 million
• Efficiency Ratio (Q2 2025): 60.6%
• Net Occupancy and Equipment (Q1 2025): $306 thousand

To give you a clearer picture of the non-interest expense breakdown for the first quarter of 2025, here are the figures in thousands:

Expense Category	Q1 2025 (in thousands USD)	Q1 2024 (in thousands USD)
Compensation and employee benefits	2,637	2,691
Net occupancy and equipment	306	296
Technology and communications	533	507
Professional services	98	110

The cost structure is clearly being managed with an eye on funding costs, but the underlying risk from the loan portfolio continues to demand significant provisioning expense. Finance: draft 13-week cash view by Friday.

BCB Bancorp, Inc. (BCBP) - Canvas Business Model: Revenue Streams

You're looking at how BCB Bancorp, Inc. (BCBP) actually brings in the money, which is key for any financial institution. Honestly, it's pretty straightforward, relying heavily on the difference between what they earn on loans and what they pay out on deposits.

The primary engine for BCB Bancorp, Inc. (BCBP) revenue is Net Interest Income (NII), which accounts for approximately 85% of total revenue. This is the core banking function: lending money out at a higher rate than they borrow it for.

To give you a concrete idea of the scale, the interest income generated from the loan portfolio was reported at $2.9 billion as of June 30, 2025. That's a massive inflow directly from their lending activities.

The efficiency of their interest-earning assets is measured by the Net Interest Margin (NIM), which was a reported 2.80 percent for the second quarter of 2025. This margin tells you how effectively their assets are generating income over their liabilities.

The Total Trailing Twelve-Month (TTM) revenue for BCB Bancorp, Inc. (BCBP) as of late 2025 stood at $98.56 million. This figure gives you the overall top-line picture for the year leading up to this point.

The remaining portion of revenue comes from Non-Interest Income, which makes up about 15% of the total. This stream is generated from various service charges and fees associated with customer accounts and other banking activities.

Here's a quick breakdown of how those revenue components relate to the total, using the provided figures:

Revenue Component	Approximate Percentage of Total Revenue	Associated Financial Metric (2025 Data)
Net Interest Income (NII)	85%	N/A
Non-Interest Income	15%	N/A
Interest Income from Loans	N/A	$2.9 billion (as of June 30, 2025)
Net Interest Margin (NIM)	N/A	2.80 percent (Q2 2025)
Total Trailing Twelve-Month Revenue	N/A	$98.56 million (TTM late 2025)

You can see the reliance on the spread between lending and borrowing costs. Still, the fee income provides a necessary diversification, even if it's a smaller slice of the pie. The key revenue drivers look like this:

• Interest income from the loan portfolio, reaching $2.9 billion as of June 30, 2025.
• Net Interest Income (NII) driving the majority at about 85% of total revenue.
• Non-Interest Income from service charges and fees contributing roughly 15%.
• The efficiency metric, NIM, holding steady at 2.80 percent for Q2 2025.

If onboarding takes 14+ days for new deposit accounts, that could pressure the NIM by delaying the funding of higher-yielding assets, so speed matters. Finance: draft 13-week cash view by Friday.