BCB Bancorp, Inc. (BCBP): Business Model Canvas [Jan-2025 Mise à jour]

Découvrez le plan stratégique derrière BCB Bancorp, Inc. (BCBP), une institution financière dynamique qui a magistralement tissé ensemble la banque communautaire locale avec l'innovation numérique de pointe. Cette toile complète du modèle commercial révèle comment le BCBP transforme les services bancaires traditionnels en tirant parti des réseaux régionaux solides, des relations client personnalisées et des infrastructures technologiques avancées pour fournir des services financiers exceptionnels dans le paysage commercial et bancaire commercial et personnel du New Jersey.

BCB Bancorp, Inc. (BCBP) - Modèle commercial: partenariats clés

Associations d'entreprises locales et régionales dans le New Jersey

BCB Bancorp maintient des partenariats avec les associations commerciales du New Jersey suivantes:

Nom d'association	Type de collaboration	Année établie
Association des banquiers du New Jersey	Réseautage professionnel	Actif depuis 2019
Business du New Jersey & Association de l'industrie	Développement économique	Actif depuis 2017

Localisation hypothécaire et réseaux immobiliers

Les partenariats de prêt hypothécaire de BCB Bancorp comprennent:

• Fannie Mae: Partenariat de titrisation hypothécaire
• Freddie Mac: accords d'achat et de refinancement de prêt
• Des entreprises immobilières locales dans les zones métropolitaines du New Jersey

Fournisseurs de services technologiques pour les solutions bancaires numériques

Fournisseur de technologie	Service fourni	Valeur du contrat
Jack Henry & Associés	Logiciel bancaire de base	2,3 millions de dollars par an
Finerv	Plate-forme bancaire numérique	1,7 million de dollars par an

Organisations d'investissement communautaire et de développement économique

BCB Bancorp collabore avec:

• Autorité de développement économique du New Jersey
• Institutions financières du développement communautaire local (CDFI)
• Programmes de prêt de l'administration des petites entreprises (SBA)

Sociétés fintech pour la transformation numérique

Partenaire fintech	Focus technologique	Année de mise en œuvre
Plaid	Intégration de données financières	2022
Bande	Traitement des paiements	2021

BCB Bancorp, Inc. (BCBP) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et grand public

Au quatrième trimestre 2023, BCB Bancorp a déclaré un actif total de 4,46 milliards de dollars. La banque fournit des services bancaires commerciaux et grand public à travers le New Jersey avec 32 succursales à service complet.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	2,18 milliards de dollars
Prêts à la consommation	1,37 milliard de dollars
Dépôts totaux	3,92 milliards de dollars

Prêts hypothécaires et origine

Les prêts hypothécaires représentent une partie importante des activités de prêt de BCB Bancorp.

• Volume d'origine hypothécaire résidentiel: 412 millions de dollars en 2023
• Portfolio de prêts hypothécaires: 1,06 milliard de dollars
• Taille moyenne du prêt hypothécaire: 385 000 $

Gestion des produits de dépôt et d'investissement

BCB Bancorp propose divers produits de dépôt et d'investissement.

Type de produit	Solde total
Comptes chèques	1,24 milliard de dollars
Comptes d'épargne	782 millions de dollars
Comptes de marché monétaire	456 millions de dollars

Développement de la plate-forme bancaire numérique

BCB Bancorp a investi dans les infrastructures bancaires numériques.

• Utilisateurs bancaires en ligne: 68 500
• Téléchargements d'applications bancaires mobiles: 42 300
• Volume de transactions numériques: 1,2 million de transactions mensuelles

Gestion des risques et surveillance de la conformité

La banque maintient des protocoles de gestion des risques robustes.

Métrique de gestion des risques	Performance de 2023
Ratio de prêts non performants	0.87%
Réserve de perte de prêt	42,3 millions de dollars
Ratio de capital réglementaire	13.6%

BCB Bancorp, Inc. (BCBP) - Modèle commercial: Ressources clés

Strong régional Banking Network dans le New Jersey

Depuis le quatrième trimestre 2023, BCB Bancorp exploite 33 emplacements de succursales à service complet dans le New Jersey. Les actifs bancaires totaux étaient de 5,32 milliards de dollars au 31 décembre 2023.

Succursales	Actif total	Couverture géographique
33 branches	5,32 milliards de dollars	Zones métropolitaines du New Jersey

Professionnels de la gestion et de la banque expérimentés

L'équipe de direction de BCB Bancorp possède une expérience bancaire moyenne de 22 ans. L'équipe de direction comprend:

• Thomas Catal - Président et chef de la direction
• Mark Manzo - directeur financier
• John Maraldo - chef de l'exploitation

Infrastructure bancaire numérique avancée

Métriques bancaires numériques:

• Utilisateurs bancaires en ligne: 78 456
• Téléchargements d'applications bancaires mobiles: 42,310
• Volume de transactions numériques: 1,2 million de transactions mensuelles

Capital financier robuste et réserves

Métrique capitale	Valeur	Norme de réglementation
Ratio de capital de niveau 1	12.4%	Minimum 8%
Ratio de capital total	13.6%	Minimum 10%

Données clients et systèmes de gestion des relations

Taille de la base de données client: 145 230 comptes actifs. Pistes du système CRM:

• Historique d'interaction client
• Préférences de produits
• Modèles de transaction
• Risque profile

BCB Bancorp, Inc. (BCBP) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers locaux

Au Q4 2023, BCB Bancorp a offert les solutions bancaires ciblées suivantes:

Segment de clientèle	Offres de produits	Montant moyen du prêt
Petites entreprises	Comptes de chèques d'entreprise	$275,000
Clients commerciaux	Prêts immobiliers commerciaux	3,2 millions de dollars
Banque personnelle	Vérification / économie personnelle	Solde moyen de 85 000 $

Taux d'intérêt concurrentiels et produits financiers

Taux d'intérêt et détails du produit pour le quatrième trimestre 2023:

• Taux d'intérêt des prêts commerciaux: 6,25% - 8,75%
• Taux de compte d'épargne personnelle: 3,15%
• Taux de compte du marché monétaire: 3,50%
• Certificat de taux de dépôt: 4,25% - 5,10%

Expériences de banque numérique et physique pratique

Canal bancaire numérique	Engagement des utilisateurs
Utilisateurs d'applications bancaires mobiles	42 500 utilisateurs actifs
Transactions bancaires en ligne	1,2 million de transactions mensuelles
Réseau de succursale physique	26 succursales dans le New Jersey

Services financiers solides axés sur la communauté

Mesures d'investissement communautaire pour 2023:

• Prêts communautaires locaux: 487 millions de dollars
• Fonds de soutien aux petites entreprises: 62,3 millions de dollars
• Investissements au développement communautaire: 14,2 millions de dollars

Support client réactif et axé sur les relations

Métrique du service client	Performance
Score moyen de satisfaction du client	4.6/5
Temps de réponse moyen	2,3 heures
Taux de rétention de la clientèle	87.5%

BCB Bancorp, Inc. (BCBP) - Modèle d'entreprise: relations avec les clients

Gestion de compte personnalisée

BCB Bancorp fournit à la gestion des comptes personnalisée avec 37 établissements de succursales à service complet dans le New Jersey et New York en 2023. La banque maintient un total de 5,6 milliards de dollars d'actifs totaux et dessert environ 72 000 comptes clients.

Canal de service client	Disponibilité	Temps de réponse
Spécialistes de la banque personnelle	Du lundi au vendredi, de 8 h à 18 h	Dans les 24 heures
Support téléphonique	24/7	Immédiat
Chat en ligne	Heures prolongées	Dans les 15 minutes

Interaction des succursales locales et engagement communautaire

BCB Bancorp s'engage activement dans des initiatives communautaires locales, avec 1,2 million de dollars alloués aux programmes de développement communautaire en 2022.

• 37 Emplacements de succursales locales
• Participation active aux événements communautaires
• Support de réseautage commercial local

Assistance bancaire numérique et service client en ligne

Les plates-formes bancaires numériques incluent les services bancaires mobiles avec 42 000 utilisateurs numériques actifs au quatrième trimestre 2023. Le taux de pénétration des services bancaires en ligne est de 68% parmi les clients.

Service numérique	Taux d'adoption des utilisateurs
Application bancaire mobile	62%
Payage des factures en ligne	55%
Dépôt de chèques mobiles	48%

Approche de la banque de relations

BCB Bancorp se concentre sur la banque de relations avec un taux moyen de rétention de la clientèle de 87% et une valeur de relation moyenne de compte de 127 500 $ par client.

Services de conseil financier sur mesure

Les services de conseil financier comprennent Consultations d'investissement personnalisées avec 24 conseillers financiers dévoués. La taille moyenne du compte consultatif est de 475 000 $.

Service consultatif	Nombre de conseillers	Taille moyenne du compte
Conseil d'investissement personnel	24	$475,000
Planification de la retraite	18	$356,000
Gestion de la richesse	12	$685,000

BCB Bancorp, Inc. (BCBP) - Modèle d'entreprise: canaux

Réseau de succursale physique dans le New Jersey

En 2023, BCB Bancorp exploite 27 emplacements de succursales à service complet exclusivement dans le New Jersey.

Catégorie de succursale	Nombre de branches	Emplacements principaux
Branches à service complet	27	Bergen, Hudson et Essex Counties
Centres bancaires commerciaux	5	Nord du New Jersey

Plateformes bancaires en ligne

BCB Bancorp fournit des services bancaires en ligne complets via des plateformes numériques sécurisées.

• Plate-forme Web disponible 24/7
• Caractéristiques de gestion des comptes
• Services de paiement des factures en ligne
• Déclarations électroniques

Applications bancaires mobiles

Application bancaire mobile disponible pour les plates-formes iOS et Android avec 45 678 utilisateurs mobiles actifs au quatrième trimestre 2023.

Réseau ATM

Type de guichet automatique	Compte total	Couverture réseau
ATM appartenant à des banques	38	New Jersey
ATM du réseau partagé	150+	À l'échelle nationale

Centres d'appels de service client

Support client disponible via plusieurs canaux:

• Prise en charge du téléphone dédié: (201) 385-4400
• Heures prolongées: du lundi au vendredi, de 8 h à 18 h
• Heures de soutien du samedi: 8 h à 12 h

BCB Bancorp, Inc. (BCBP) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises du New Jersey

Depuis le quatrième trimestre 2023, BCB Bancorp dessert environ 3 750 clients commerciaux de petite à moyenne taille du New Jersey.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	1,275	$487,000
Services professionnels	1,150	$412,000
Fabrication	825	$653,000

Clients résidentiels locaux

BCB Bancorp dessert 45 620 clients locaux de banque résidentielle dans le New Jersey en décembre 2023.

• Portfolio hypothécaire résidentiel primaire: 1,2 milliard de dollars
• Montant moyen du prêt résidentiel: 385 000 $
• Home Equity Lignes de crédit: 12 350 comptes actifs

Investisseurs immobiliers commerciaux

La clientèle commerciale de l'investissement immobilier totalise 620 clients actifs avec un portefeuille total de prêts immobiliers commerciaux de 1,65 milliard de dollars.

Type de propriété	Nombre d'investisseurs	Valeur d'investissement totale
Multifamilial	275	762 millions de dollars
Immeubles de bureaux	185	453 millions de dollars
Espaces de vente au détail	160	435 millions de dollars

Clients bancaires individuels et familiaux

Base de clientèle bancaire individuelle: 67 450 comptes en décembre 2023.

• Comptes de chèques personnels: 42 300
• Comptes d'épargne personnels: 38,750
• Valeur moyenne de la relation client: 87 500 $

Organisations à but non lucratif et communautaires

BCB Bancorp soutient 215 organisations à but non lucratif et communautaires avec des services bancaires spécialisés.

Type d'organisation	Nombre de clients	Relation bancaire totale
Organismes de bienfaisance locaux	85	24,3 millions de dollars
Établissements d'enseignement	62	18,7 millions de dollars
Fondations communautaires	68	21,5 millions de dollars

BCB Bancorp, Inc. (BCBP) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Pour l'exercice 2023, BCB Bancorp a déclaré des frais d'exploitation de succursales de 18,4 millions de dollars, ce qui comprend:

Catégorie de dépenses	Montant ($)
Frais d'occupation	7,600,000
Services publics	2,300,000
Entretien	3,500,000
Équipement	5,000,000

Investissements technologiques et infrastructures numériques

L'investissement technologique pour 2023 a totalisé 6,2 millions de dollars, avec la ventilation suivante:

• Systèmes bancaires de base: 2,8 millions de dollars
• Infrastructure de cybersécurité: 1,5 million de dollars
• Plateformes bancaires numériques: 1,9 million de dollars

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2023 était de 42,6 millions de dollars, structurée comme suit:

Catégorie de compensation	Montant ($)
Salaires de base	31,500,000
Bonus de performance	5,600,000
Avantages sociaux	3,200,000
Contributions à la retraite	2,300,000

Compliance réglementaire et gestion des risques

Les frais de conformité pour 2023 s'élevaient à 5,7 millions de dollars:

• Représentation réglementaire: 1,9 million de dollars
• Conseil juridique: 1,5 million de dollars
• Audit interne: 1,3 million de dollars
• Systèmes de gestion des risques: 1,0 million de dollars

Coûts de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 3,9 millions de dollars:

Canal de marketing	Montant ($)
Marketing numérique	1,600,000
Publicité traditionnelle	1,200,000
Parrainages communautaires	600,000
Programmes de référence client	500,000

BCB Bancorp, Inc. (BCBP) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des investissements

Pour l'exercice 2023, BCB Bancorp a rapporté 101,9 millions de dollars dans le revenu total des intérêts. La rupture des revenus des intérêts était la suivante:

Source de revenu	Montant
Prêts	92,3 millions de dollars
Titres d'investissement	9,6 millions de dollars

Frais de prêt hypothécaire

Frais de prêt hypothécaire générés 7,2 millions de dollars en revenus pour l'année 2023, ce qui représente une augmentation de 3,5% par rapport à l'année précédente.

Frais de service et frais de transaction

Frais de service et frais de transaction apportés 12,5 millions de dollars aux sources de revenus de la banque en 2023:

• Frais de service de compte de dépôt: 6,8 millions de dollars
• Frais de transaction ATM: 3,2 millions de dollars
• Autres frais de service bancaire: 2,5 millions de dollars

Commissions de produits d'investissement

Les commissions de produits d'investissement ont totalisé 4,3 millions de dollars en 2023, avec la distribution suivante:

Produit d'investissement	Revenus de commission
Fonds communs de placement	2,1 millions de dollars
Services de compte de retraite	1,5 million de dollars
Gestion de la richesse	0,7 million de dollars

Revenus du service bancaire numérique

Services bancaires numériques générés 3,6 millions de dollars en revenus pour 2023, avec la ventilation suivante:

• Frais de transaction bancaire en ligne: 1,9 million de dollars
• Frais de service des banques mobiles: 1,2 million de dollars
• Traitement des paiements numériques: 0,5 million de dollars

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.