{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-113068","form_type":"8-K","ticker":"BCBP","cik":"0001228454","company_name":"BCB BANCORP INC","filed_at":"2023-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.196120+00:00","generated_at":"2026-06-16T18:31:50.789837+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"BCB Bancorp Q1 net income falls to $8.1M; EPS $0.46 vs $0.56 YoY","bullets":["Net income $8.1M, diluted EPS $0.46; adjusted EPS $0.60 excluding unrealized losses on equity investments.","Net interest margin 3.15%, down from 3.46% a year ago; net interest income up 9.6% to $27.5M.","Loans grew 6.1% QoQ to $3.232B; deposits up 2% to $2.867B.","Provision for loan losses $622K vs credit of $2.6M in Q1 2022; CECL adoption reduced ACL by $4.2M Day One.","Non-accrual loans 0.16% of gross loans; quarterly dividend declared $0.16 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-113068","json":"https://secwatch.observer/filing/0001193125-23-113068.json","markdown":"https://secwatch.observer/filing/0001193125-23-113068.md","text":"https://secwatch.observer/filing/0001193125-23-113068.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1228454/000119312523113068/0001193125-23-113068-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1228454/000119312523113068/d497339d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T18:31:50.789837+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"494e54444aaa29869675822b1ad387fc267103d2","claim":"BCB BANCORP INC reported quarter ended March 31, 2023 results: net income $8.1 million, EPS $0.46.","evidence_excerpt":"BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), today reported net income of $8.1 million for the first quarter of 2023, compared to $12.1 million in the fourth quarter of 2022, and $10.0 million for the first quarter of 2022. Earnings per diluted share for the first quarter of 2023 were $0.46, compared to $0.69 in the preceding quarter and $0.56 in the first quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1228454/000119312523113068/0001193125-23-113068-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended March 31, 2023"},{"label":"Net income","value":"$8.1 million"},{"label":"EPS","value":"$0.46"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}