BCB Bancorp Inc - Asset Resilience Ratio
BCB Bancorp Inc (BCBP) has an Asset Resilience Ratio of 3.85% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check BCBP PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2003–2025)
This chart shows how BCB Bancorp Inc's Asset Resilience Ratio has changed over time. See BCB Bancorp Inc (BCBP) net asset quality to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down BCB Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see BCBP market cap overview.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $126.39 Million | 3.85% |
| Total Liquid Assets | $126.39 Million | 3.85% |
Asset Resilience Insights
- Limited Liquidity: BCB Bancorp Inc maintains only 3.85% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
BCB Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare BCB Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Kreditbanken A/S
CO:KRE |
Banks - Regional | 0.05% |
|
Nu Holdings Ltd
NYSE:NU |
Banks - Regional | 1.52% |
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
Bank Mandiri Persero Tbk PT
JK:BMRI |
Banks - Regional | -0.12% |
|
Axos Financial Inc
NYSE:AX |
Banks - Regional | 0.21% |
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
Annual Asset Resilience Ratio for BCB Bancorp Inc (2003–2025)
The table below shows the annual Asset Resilience Ratio data for BCB Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 3.85% | $126.39 Million | $3.28 Billion | +1.03pp |
| 2024-12-31 | 2.83% | $101.72 Million | $3.60 Billion | -4.03pp |
| 2023-12-31 | 6.86% | $262.93 Million | $3.83 Billion | +4.27pp |
| 2022-12-31 | 2.59% | $91.72 Million | $3.55 Billion | -0.28pp |
| 2021-12-31 | 2.87% | $85.19 Million | $2.97 Billion | -0.67pp |
| 2020-12-31 | 3.54% | $99.76 Million | $2.82 Billion | +0.39pp |
| 2019-12-31 | 3.15% | $91.61 Million | $2.91 Billion | -1.31pp |
| 2018-12-31 | 4.46% | $119.33 Million | $2.67 Billion | -1.85pp |
| 2017-12-31 | 6.31% | $122.59 Million | $1.94 Billion | +0.76pp |
| 2016-12-31 | 5.55% | $94.77 Million | $1.71 Billion | +4.95pp |
| 2015-12-31 | 0.59% | $9.62 Million | $1.62 Billion | -0.16pp |
| 2014-12-31 | 0.75% | $9.77 Million | $1.30 Billion | +0.66pp |
| 2013-12-31 | 0.09% | $1.10 Million | $1.21 Billion | -0.01pp |
| 2012-12-31 | 0.11% | $1.24 Million | $1.17 Billion | +0.02pp |
| 2011-12-31 | 0.09% | $1.04 Million | $1.22 Billion | -8.86pp |
| 2010-12-31 | 8.95% | $99.06 Million | $1.11 Billion | -1.15pp |
| 2009-12-31 | 10.10% | $63.76 Million | $631.50 Million | +9.53pp |
| 2008-12-31 | 0.56% | $3.27 Million | $578.62 Million | -1.00pp |
| 2007-12-31 | 1.56% | $8.81 Million | $563.48 Million | -2.83pp |
| 2006-12-31 | 4.39% | $22.44 Million | $510.83 Million | -0.36pp |
| 2005-12-31 | 4.75% | $22.16 Million | $466.24 Million | +4.18pp |
| 2004-12-31 | 0.58% | $2.18 Million | $378.29 Million | -2.38pp |
| 2003-12-31 | 2.96% | $8.89 Million | $300.68 Million | -- |
About BCB Bancorp Inc
BCB Bancorp, Inc. operates as the bank holding company for BCB Community Bank that provides various banking products and services to businesses and individuals in the United States. The company offers insured deposit products, including savings and club, interest and non-interest-bearing demand, money market, and individual retirement accounts, as well as certificates of deposit. It also provides… Read more