{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-259056","form_type":"8-K","ticker":"BCBP","cik":"0001228454","company_name":"BCB BANCORP INC","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.461728+00:00","generated_at":"2026-06-09T19:48:58.931138+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BCB Bancorp Q3 net income $6.7M ($0.39 EPS); dividend $0.16/share declared","bullets":["Net income $6.7M, diluted EPS $0.39; adjusted EPS $0.41 excluding unrealized equity losses.","Net interest margin fell to 2.78% from 4.18% YoY; interest expense surged to $23.4M from $3.4M.","Loan loss provision $2.21M vs $0 in Q3 2022; total loans $3.29B, up 17.9% YoY but down 1% linked quarter.","Quarterly cash dividend $0.16 per share, payable Nov 17 to holders of record Nov 3.","Non-accrual loans $7.93M (0.24% of loans); ACL coverage 402.4% of non-accrual loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-259056","json":"https://secwatch.observer/filing/0001193125-23-259056.json","markdown":"https://secwatch.observer/filing/0001193125-23-259056.md","text":"https://secwatch.observer/filing/0001193125-23-259056.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1228454/000119312523259056/0001193125-23-259056-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1228454/000119312523259056/d559332d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T19:48:58.931138+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":"154cb2150f9900c4305fa0d4c8da51a3146b31ff","claim":"BCB BANCORP INC reported third quarter of 2023 results: net income $6.7 million, EPS $0.39.","evidence_excerpt":"BCB Bancorp, Inc. Earns $6.7 Million in Third Quarter 2023; Reports $0.39 EPS","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1228454/000119312523259056/0001193125-23-259056-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of 2023"},{"label":"Net income","value":"$6.7 million"},{"label":"EPS","value":"$0.39"},{"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"}