---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-016307"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T07:55:55.191561+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp reports record 2022 net income $45.6M (+33% YoY); declares $0.16 quarterly dividend

## Summary
- Net income of $45.6M for FY2022 (record high), up 33.1%; diluted EPS $2.58 vs $1.92 in 2021.
- Q4 2022 net income $12.1M (down 9.9% from Q3 2022); diluted EPS $0.69 vs $0.76 prior quarter.
- Net interest margin 3.76% in Q4 2022, down 42bp from Q3 2022 but up 32bp YoY.
- Non-accrual loans ratio improved to 0.17% (Dec. 31, 2022) from 0.64% a year ago; credit for loan losses $500K in Q4.
- Quarterly cash dividend of $0.16 payable Feb 17, 2023 to shareholders of record Feb 3, 2023.

## SEC filing metadata
- accession: 0001193125-23-016307
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1228454/000119312523016307/0001193125-23-016307-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312523016307/d259219d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-016307
- JSON: https://secwatch.observer/filing/0001193125-23-016307.json
- Plain text: https://secwatch.observer/filing/0001193125-23-016307.txt

## Key facts
- Earnings Releases
  BCB BANCORP INC reported the quarter and year ended December 31, 2022 results: net income $45.6 million, EPS $2.58.
  - Period: the quarter and year ended December 31, 2022
  - Net income: $45.6 million
  - EPS: $2.58
  - Result: reported results
  source text: BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), today reported that its net income for the year ended December 31, 2022 increased 33.1 percent to $45.6 million, the highest annual earnings in the Company’s history, compared with $34.2 million for 2021. Earnings per diluted share for 2022 were $2.58 as compared to $1.92 for 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1228454/000119312523016307/0001193125-23-016307-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.