BCB Bancorp, Inc. (BCBP): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Descubra o plano estratégico por trás da BCB Bancorp, Inc. (BCBP), uma instituição financeira dinâmica que tocou magistralmente bancos comunitários locais com inovação digital de ponta. Esse modelo abrangente de negócios revela como o BCBP transforma o banco tradicional, alavancando fortes redes regionais, relacionamentos personalizados do cliente e infraestrutura tecnológica avançada para fornecer serviços financeiros excepcionais no diverso cenário bancário pessoal e pessoal de Nova Jersey.

BCB Bancorp, Inc. (BCBP) - Modelo de negócios: Parcerias -chave

Associações comerciais locais e regionais em Nova Jersey

O BCB Bancorp mantém parcerias com as seguintes associações de negócios de Nova Jersey:

Nome da associação	Tipo de colaboração	Ano estabelecido
Associação de Banqueiros de Nova Jersey	Networking profissional	Ativo desde 2019
Negócio de Nova Jersey & Associação da Indústria	Desenvolvimento econômico	Ativo desde 2017

Empréstimos hipotecários e redes imobiliárias

As parcerias de empréstimos hipotecários do BCB Bancorp incluem:

• Fannie Mae: Parceria de securitização de hipotecas
• Freddie Mac: Acordos de compra e refinanciamento de empréstimos
• Empresas imobiliárias locais em áreas metropolitanas de Nova Jersey

Provedores de serviços de tecnologia para soluções bancárias digitais

Provedor de tecnologia	Serviço prestado	Valor do contrato
Jack Henry & Associados	Software bancário principal	US $ 2,3 milhões anualmente
Fiserv	Plataforma bancária digital	US $ 1,7 milhão anualmente

Organizações comunitárias de investimento e desenvolvimento econômico

O BCB Bancorp colabora com:

• Autoridade de Desenvolvimento Econômico de Nova Jersey
• Instituições Financeiras de Desenvolvimento Comunitário Local (CDFIs)
• Programas de empréstimos para Administração de Pequenas Empresas (SBA)

Empresas de fintech para transformação digital

Fintech Partner	Foco em tecnologia	Ano de implementação
Xadrez	Integração de dados financeiros	2022
Listra	Processamento de pagamento	2021

BCB Bancorp, Inc. (BCBP) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A partir do quarto trimestre de 2023, o BCB Bancorp registrou ativos totais de US $ 4,46 bilhões. O banco fornece serviços bancários comerciais e de consumidores em Nova Jersey com 32 filiais de serviço completo.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 2,18 bilhões
Empréstimos ao consumidor	US $ 1,37 bilhão
Total de depósitos	US $ 3,92 bilhões

Empréstimos e originação hipotecária

Os empréstimos hipotecários representam uma parcela significativa das atividades de empréstimos do BCB Bancorp.

• Volume de originação residencial da hipoteca: US $ 412 milhões em 2023
• Portfólio de empréstimos hipotecários: US $ 1,06 bilhão
• Tamanho médio do empréstimo hipotecário: US $ 385.000

Gerenciamento de produtos de depósito e investimento

O BCB Bancorp oferece diversos produtos de depósito e investimento.

Tipo de produto	Balanço total
Contas de verificação	US $ 1,24 bilhão
Contas de poupança	US $ 782 milhões
Contas do mercado monetário	US $ 456 milhões

Desenvolvimento da plataforma bancária digital

O BCB Bancorp investiu em infraestrutura bancária digital.

• Usuários bancários online: 68.500
• Downloads de aplicativos bancários móveis: 42.300
• Volume de transação digital: 1,2 milhão de transações mensais

Gerenciamento de riscos e monitoramento de conformidade

O banco mantém protocolos robustos de gerenciamento de riscos.

Métrica de gerenciamento de riscos	2023 desempenho
Razão de empréstimos não-desempenho	0.87%
Reserva de perda de empréstimo	US $ 42,3 milhões
Índice de capital regulatório	13.6%

BCB Bancorp, Inc. (BCBP) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional em Nova Jersey

A partir do quarto trimestre 2023, o BCB Bancorp opera 33 localizações de filiais de serviço completo em Nova Jersey. O total de ativos bancários foi de US $ 5,32 bilhões em 31 de dezembro de 2023.

Locais da filial	Total de ativos	Cobertura geográfica
33 ramos	US $ 5,32 bilhões	Áreas metropolitanas de Nova Jersey

Profissionais de gestão e bancos experientes

A equipe de liderança do BCB Bancorp tem uma experiência bancária média de 22 anos. A equipe executiva inclui:

• Thomas Catal - Presidente e CEO
• Mark Manzo - Diretor Financeiro
• John Maraldo - diretor de operações

Infraestrutura bancária digital avançada

Métricas bancárias digitais:

• Usuários bancários online: 78.456
• Downloads de aplicativos bancários móveis: 42.310
• Volume de transação digital: 1,2 milhão de transações mensais

Capital financeiro robusto e reservas

Métrica de capital	Valor	Padrão regulatório
Índice de capital de camada 1	12.4%	Mínimo 8%
Índice de capital total	13.6%	Mínimo 10%

Dados de clientes e sistemas de gerenciamento de relacionamento

Tamanho do banco de dados do cliente: 145.230 Contas ativas. Sistema de CRM rastreia:

• Histórico de interação do cliente
• Preferências do produto
• Padrões de transação
• Risco profile

BCB Bancorp, Inc. (BCBP) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas e indivíduos locais

A partir do quarto trimestre 2023, o BCB Bancorp ofereceu as seguintes soluções bancárias direcionadas:

Segmento de clientes	Ofertas de produtos	Valor médio do empréstimo
Pequenas empresas	Contas de corrente de negócios	$275,000
Clientes comerciais	Empréstimos imobiliários comerciais	US $ 3,2 milhões
Bancos pessoais	Verificação/economia pessoal	Balanço médio de US $ 85.000

Taxas de juros competitivas e produtos financeiros

Taxas de juros e detalhes do produto para o quarto trimestre 2023:

• Taxas de juros de empréstimos comerciais: 6,25% - 8,75%
• Taxa de conta de poupança pessoal: 3,15%
• Taxa de conta do mercado monetário: 3,50%
• Certificado de taxas de depósito: 4,25% - 5,10%

Experiências bancárias digitais e físicas convenientes

Canal bancário digital	Engajamento do usuário
Usuários de aplicativos bancários móveis	42.500 usuários ativos
Transações bancárias online	1,2 milhão de transações mensais
Rede de ramificação física	26 filiais em Nova Jersey

Fortes serviços financeiros focados na comunidade

Métricas de investimento comunitário para 2023:

• Empréstimos da comunidade local: US $ 487 milhões
• Fundos de suporte para pequenas empresas: US $ 62,3 milhões
• Investimentos de desenvolvimento comunitário: US $ 14,2 milhões

Suporte ao cliente responsivo e orientado por relacionamento

Métrica de atendimento ao cliente	Desempenho
Pontuação média de satisfação do cliente	4.6/5
Tempo médio de resposta	2,3 horas
Taxa de retenção de clientes	87.5%

BCB Bancorp, Inc. (BCBP) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de contas personalizado

O BCB Bancorp fornece ao gerenciamento de contas personalizado com 37 filiais de serviço completo em Nova Jersey e Nova York a partir de 2023. O banco mantém um total de US $ 5,6 bilhões em ativos totais e atende a aproximadamente 72.000 contas de clientes.

Canal de atendimento ao cliente	Disponibilidade	Tempo de resposta
Especialistas bancários pessoais	Segunda a sexta-feira, das 8h às 18h	Dentro de 24 horas
Suporte telefônico	24/7	Imediato
Chat online	Horário prolongado	Dentro de 15 minutos

Interação da filial local e envolvimento da comunidade

BCB Bancorp se envolve ativamente em iniciativas da comunidade local, com US $ 1,2 milhão alocados aos programas de desenvolvimento comunitário em 2022.

• 37 Locais de filiais locais
• Participação ativa em eventos comunitários
• Suporte de rede de negócios local

Suporte bancário digital e atendimento ao cliente on -line

As plataformas bancárias digitais incluem bancos móveis com 42.000 usuários digitais ativos a partir do quarto trimestre 2023. A taxa de penetração bancária on -line é de 68% na base de clientes.

Serviço digital	Taxa de adoção do usuário
Aplicativo bancário móvel	62%
Pagamento on -line	55%
Depósito de cheque móvel	48%

Abordagem bancária de relacionamento

O BCB Bancorp se concentra no banco de relacionamentos com uma taxa média de retenção de clientes de 87% e valor médio do relacionamento de conta de US $ 127.500 por cliente.

Serviços de consultoria financeira personalizada

Os serviços de consultoria financeira incluem Consultas de investimento personalizadas com 24 consultores financeiros dedicados. O tamanho médio da conta consultiva é de US $ 475.000.

Serviço de consultoria	Número de consultores	Tamanho médio da conta
Consultoria de investimento pessoal	24	$475,000
Planejamento de aposentadoria	18	$356,000
Gestão de patrimônio	12	$685,000

BCB Bancorp, Inc. (BCBP) - Modelo de Negócios: Canais

Rede de filial física em Nova Jersey

A partir de 2023, o BCB Bancorp opera 27 locais de serviço completo exclusivamente em Nova Jersey.

Categoria de ramificação	Número de ramificações	Locais primários
Ramificações de serviço completo	27	Bergen, Hudson, Condados de Essex
Centros bancários comerciais	5	Norte de Nova Jersey

Plataformas bancárias online

O BCB Bancorp fornece serviços bancários on -line abrangentes por meio de plataformas digitais seguras.

• Plataforma baseada na Web disponível 24/7
• Recursos de gerenciamento de contas
• Serviços de pagamento de conta on -line
• Declarações eletrônicas

Aplicativos bancários móveis

O aplicativo bancário móvel disponível para plataformas iOS e Android com 45.678 usuários móveis ativos no quarto trimestre 2023.

Rede ATM

Tipo de atm	Contagem total	Cobertura de rede
Caixas eletrônicos de propriedade de bancos	38	Nova Jersey
Caixas eletrônicos de rede compartilhada	150+	Em todo o país

Centros de atendimento ao cliente

Suporte ao cliente disponível através de vários canais:

• Suporte a telefone dedicado: (201) 385-4400
• Horário prolongado: de segunda a sexta -feira, das 8h às 18h
• Horário de apoio de sábado: 8h às 12h

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

Pequenas e médias empresas em Nova Jersey

A partir do quarto trimestre de 2023, o BCB Bancorp atende a aproximadamente 3.750 clientes comerciais pequenos e médios em Nova Jersey.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	1,275	$487,000
Serviços profissionais	1,150	$412,000
Fabricação	825	$653,000

Clientes residenciais locais

O BCB Bancorp atende a 45.620 clientes bancários residenciais locais em Nova Jersey em dezembro de 2023.

• Portfólio de hipoteca residencial primária: US $ 1,2 bilhão
• Valor médio do empréstimo residencial: US $ 385.000
• Linhas de crédito de capital doméstico: 12.350 contas ativas

Investidores imobiliários comerciais

A base de clientes de investimento imobiliário comercial totaliza 620 clientes ativos com uma carteira total de empréstimos imobiliários comerciais de US $ 1,65 bilhão.

Tipo de propriedade	Número de investidores	Valor total de investimento
Multifamiliar	275	US $ 762 milhões
Edifícios de escritórios	185	US $ 453 milhões
Espaços de varejo	160	US $ 435 milhões

Clientes bancários individuais e familiares

Base de clientes bancários individuais: 67.450 contas em dezembro de 2023.

• Contas de corrente pessoal: 42.300
• Contas de poupança pessoal: 38.750
• Valor médio do relacionamento do cliente: US $ 87.500

Organizações sem fins lucrativos e comunitárias

O BCB Bancorp suporta 215 organizações comunitárias e sem fins lucrativos com serviços bancários especializados.

Tipo de organização	Número de clientes	Relacionamento bancário total
Instituições de caridade locais	85	US $ 24,3 milhões
Instituições educacionais	62	US $ 18,7 milhões
Fundações comunitárias	68	US $ 21,5 milhões

BCB Bancorp, Inc. (BCBP) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

Para o ano fiscal de 2023, o BCB Bancorp relatou despesas de operação de filial de US $ 18,4 milhões, que incluem:

Categoria de despesa	Valor ($)
Custos de ocupação	7,600,000
Utilitários	2,300,000
Manutenção	3,500,000
Equipamento	5,000,000

Investimentos de tecnologia e infraestrutura digital

O investimento em tecnologia para 2023 totalizou US $ 6,2 milhões, com o seguinte quebra:

• Sistemas bancários principais: US $ 2,8 milhões
• Infraestrutura de segurança cibernética: US $ 1,5 milhão
• Plataformas bancárias digitais: US $ 1,9 milhão

Salários e benefícios dos funcionários

A compensação total dos funcionários em 2023 foi de US $ 42,6 milhões, estruturada da seguinte maneira:

Categoria de compensação	Valor ($)
Salários da base	31,500,000
Bônus de desempenho	5,600,000
Benefícios de saúde	3,200,000
Contribuições de aposentadoria	2,300,000

Conformidade regulatória e gerenciamento de riscos

Os custos de conformidade de 2023 totalizaram US $ 5,7 milhões:

• Relatórios regulatórios: US $ 1,9 milhão
• Aviso jurídico: US $ 1,5 milhão
• Auditoria interna: US $ 1,3 milhão
• Sistemas de gerenciamento de riscos: US $ 1,0 milhão

Custos de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 3,9 milhões:

Canal de marketing	Valor ($)
Marketing digital	1,600,000
Publicidade tradicional	1,200,000
Patrocínio da comunidade	600,000
Programas de referência ao cliente	500,000

BCB Bancorp, Inc. (BCBP) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, relatou o BCB Bancorp US $ 101,9 milhões na receita total de juros. A repartição da receita de juros foi a seguinte:

Fonte de renda	Quantia
Empréstimos	US $ 92,3 milhões
Títulos de investimento	US $ 9,6 milhões

Taxas de empréstimos hipotecários

Taxas de empréstimo de hipoteca geradas US $ 7,2 milhões na receita do ano de 2023, representando um aumento de 3,5% em relação ao ano anterior.

Cobranças de serviço e taxas de transação

Taxas de serviço e taxas de transação contribuíram US $ 12,5 milhões para os fluxos de receita do banco em 2023:

• Cobranças de serviço da conta de depósito: US $ 6,8 milhões
• Taxas de transação ATM: US $ 3,2 milhões
• Outras taxas de serviço bancário: US $ 2,5 milhões

Comissões de produtos de investimento

Comissões de produtos de investimento totalizaram US $ 4,3 milhões em 2023, com a seguinte distribuição:

Produto de investimento	Receita da Comissão
Fundos mútuos	US $ 2,1 milhões
Serviços de conta de aposentadoria	US $ 1,5 milhão
Gestão de patrimônio	US $ 0,7 milhão

Receitas de serviço bancário digital

Serviços bancários digitais gerados US $ 3,6 milhões em receita para 2023, com a seguinte quebra:

• Taxas de transação bancária online: US $ 1,9 milhão
• Taxas de serviço bancário móvel: US $ 1,2 milhão
• Processamento de pagamento digital: US $ 0,5 milhão

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.