---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-190501"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2023-07-20T23:59:59+00:00"
generated_at: "2026-06-13T05:26:11.912819+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp Q2 net income $8.6M, EPS $0.50; declares $0.16 dividend

## Summary
- Q2 net income $8.6M ($0.50 diluted EPS); adjusted EPS $0.53 excluding unrealized losses on equity securities.
- Net interest margin fell to 2.92% from 3.15% prior quarter and 3.74% year ago; provision for credit losses $1.35M.
- Declared $0.16 quarterly cash dividend, payable Aug 18, 2023 to shareholders of record Aug 4, 2023.
- Total loans net increased 9.0% YTD to $3.32B; non-accrual loans only 0.17% of gross loans.
- Efficiency ratio improved to 52.3% from 53.7% in Q1 2023.

## SEC filing metadata
- accession: 0001193125-23-190501
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2023-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1228454/000119312523190501/0001193125-23-190501-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312523190501/d472389d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-190501
- JSON: https://secwatch.observer/filing/0001193125-23-190501.json
- Plain text: https://secwatch.observer/filing/0001193125-23-190501.txt

## Key facts
- Earnings Releases
  BCB BANCORP INC reported second quarter of 2023 results: net income $8.6 million, EPS $0.50.
  - Period: second quarter of 2023
  - Net income: $8.6 million
  - EPS: $0.50
  - Result: reported results
  source text: BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), today reported net income of $8.6 million for the second quarter of 2023, compared to $8.1 million in the first quarter of 2023, and $10.2 million for the second quarter of 2022. Earnings per diluted share for the second quarter of 2023 were $0.50, compared to $0.46 in the preceding quarter and $0.58 in the second quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1228454/000119312523190501/0001193125-23-190501-index.htm

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