I. Overview and development history
of the bank
Founded in 2000 and headquartered in Bayonne, New Jersey, BCB Community Bank has gone through more than 20 years of development since its listing, adhering to the positioning of "community bank", focusing on providing intimate financial services for local families and businesses. It currently has 27 branches and one administrative office in New Jersey and New York, and the service network covers both states. BCB Bank is an FDIC-insured member and Equal Housing Lender.
II. Organizational Structure and Investor Relations
BCB Bank is a subsidiary of BCB Bancorp, Inc., its listed parent company, which undertakes functions such as information disclosure, financial report release, and shareholder relationship maintenance. Investor relations materials include corporate governance, board and executive team information, SEC reports and financial statements, and more.
In January 2025, BCB Bancorp reported net income of $3.3 million, or $0.16 per diluted share, for the fourth quarter of 2024, while declaring a quarterly cash dividend of $0.16 per share.
3. Network distribution and service area
BCB Bank's 27 locations are located in counties in New Jersey such as Bergen, Essex, Hudson, Midwest, Morris, Union, and more, as well as Nassau County and Staten Island, New York, and share a unified customer service number of 201-823-0700 and toll-free number 1-800-680-6872. In addition to counter and ATM services, some branches also have driveway banking facilities and coin exchange, self-service night deposits, safe deposit boxes, notary services, and more.
4. Retail & Personal Financial Services
personal checking accounts
BCB Bank offers a variety of checking accounts, including:
Easy Checking / NJ Consumer Checking: Basic service, no monthly fees, no minimum deposit.
Choice Checking: Suitable for customers who want to receive a portion of the interest, with a minimum balance of $500 and a monthly fee.
Money Market Checking, Teen Bridge, Campus Checking, Senior Checking, Military Checking, Rewards Checking, Rewards Plus Checking and other special accounts to meet the needs of different groups.
These accounts have their own characteristics in terms of interest rate structure, minimum balance requirements, withdrawal restrictions, ancillary services (e.g., free check printing, ATM reimbursement), etc., allowing users to choose the right plan for their situation.
savings, CDs and IRAs
BCB also offers a variety of savings services, including savings accounts, term deposits (CDs), individual retirement accounts (IRAs), and more, to help individuals build wealth and achieve long-term goals.
5. Business & Corporate Financial Services
business checking account
Business checking options for business users include standard Business Checking and Business Money Market Checking, which has a higher yield, with no monthly fees and no transaction fees, making it suitable for small and medium-sized businesses to use in their daily operations.
Value-added business services include:
free coin exchange, night deposits, self-service phone banking, 24-hour ATM and debit card services;
Business Loans & Lines of Credit, SBA Loans, Cash Management, Remote Deposit (RDC), Merchant Payment Processing, ACH Clearing, Lockbox Services, Positive Pay Fraud Prevention, and more.
In addition, merchant users can display their own advertisements in the branch to expose their services to customers who have promotion needs.
6. Digital and mobile banking functions
BCB emphasizes digital services and provides the following:
Online banking: Support transfers between accounts and other bank accounts, P2P payments, wire transfers, and multi-factor authentication measures.
Mobile Banking App: Support account monitoring, transfer, balance inquiry, bill payment, combined with biometric login, debit card start and stop management, spending and transaction limit control, digital wallet binding and other functions.
Mobile Deposit: 24/7 photo deposit of bank cheques and email confirmation.
Security controls: Card activation/deactivation, transaction limit setting, merchant category and geo-location restrictions and other features help prevent fraud and risks.
7. Security and customer protection mechanism
BCB Bank attaches great importance to security, and the measures include:
- will
not actively ask for user passwords and security codes through phone calls, text messages or emails; If a user receives such a request, they must call immediately to report it.
Promote and advise on risks such as anti-phishing, anti-ATM (skimming), identity theft, and more.
Support secure email portal, automatic patching, firewall recommendations, and regular reminders to improve user awareness of network security.
8. Community Engagement and Social Responsibility
As a community bank, BCB actively participates in local affairs, providing:
education programs, youth savings support;
Sponsorship of various donations and community activities;
specific charity projects (e.g. "Pay It Forward");
We are committed to supporting local small and medium-sized enterprises through micro-loans.
Through these actions, BCB strengthens its connection with the community and grows with its customers.
9. Investor Data and Financial Performance
As a publicly traded company, BCB Bancorp regularly discloses quarterly financial results. The fourth quarter of 2024 was particularly impressive: net profit of $3.3 million and earnings per share of 16 cents.
Earlier in the third quarter of 2023, net income was $6.7 million, earnings per share were about 39 cents, revenue was $50.5 million, and net interest income was $27.1 million. Although revenue was slightly lower than analysts' expectations, it remained stable in the industry.
Investors can access the IR website for information such as corporate structure, board members, governance documents, historical stock price and dividend information, as well as SEC reports and quarterly summaries.
10. Contact and customer support
BCB provides round-the-clock customer service support, which can be queried by telephone, email, and online form
customer service number: 1-800-680-6872;
Counter Phone: 201-823-0700;
Phone Banking: 1-866-823-0700;
Example of an email service such as Loan-Servicing@bcb.bank is
available Monday to Friday 8AM–6PM, Saturday 9AM–1PM, and Sunday is closed.
In addition, the website provides convenient functions such as reporting lost cards, submitting questions, and FAQ help pages.
11. Summary and outlook
BCB Community Bank adheres to the essence of "community banking", providing comprehensive, intimate and localized banking services covering individuals, families and small and medium-sized enterprises. Its diversified product line, solid financial performance, digital capabilities and community strategy have established its competitive advantage in New Jersey and New York. In the future, BCB will continue to rely on its network and resources to continue to deepen its influence in the regional market and continuously improve the level of user experience and security.
