---
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"
generated_at: "2026-06-09T19:48:58.931138+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp Q3 net income $6.7M ($0.39 EPS); dividend $0.16/share declared

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1228454/000119312523259056/0001193125-23-259056-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312523259056/d559332d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-259056
- JSON: https://secwatch.observer/filing/0001193125-23-259056.json
- Plain text: https://secwatch.observer/filing/0001193125-23-259056.txt

## Key facts
- Earnings Releases
  BCB BANCORP INC reported third quarter of 2023 results: net income $6.7 million, EPS $0.39.
  - Period: third quarter of 2023
  - Net income: $6.7 million
  - EPS: $0.39
  - Result: reported results
  source text: BCB Bancorp, Inc. Earns $6.7 Million in Third Quarter 2023; Reports $0.39 EPS
  evidence_url: https://www.sec.gov/Archives/edgar/data/1228454/000119312523259056/0001193125-23-259056-index.htm

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