Visbanking Logo
Skip to main content

Bcb Community Bank

IDRSSD: 2954059
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2024-Q3QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #2954059 2024-Q3 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.1% (threshold 100%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -16

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 8.5%, loans/deposits 112.1%, cash 6.7% of assets.

Cash / Assets
6.72%
Loans / Deposits
112.13%
Brokered %
8.46%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +3
48
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.82%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.82%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -5
83
Sub-score

Asset quality is strong: Adjusted NPL 1.35%, Texas Ratio 10.4%, NCO YTD 0.43%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.43%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -16
33
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 83.5%, true coverage 41.1%.

ALLL / Loans
1.11%
Coverage
83.5%
True Loss Coverage
41.1%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.1% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 14:06:50 UTC