{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-102897","form_type":"8-K","ticker":"BCBP","cik":"0001228454","company_name":"BCB BANCORP INC","filed_at":"2024-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.609923+00:00","generated_at":"2026-06-03T15:16:42.171276+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BCB Bancorp Q1 net income $5.9M ($0.32 EPS); non-accrual loans surge to $22.2M","bullets":["Net income of $5.9M ($0.32 diluted EPS) vs $6.1M ($0.35) prior Q and $8.1M ($0.46) a year ago.","Net interest margin fell to 2.50% from 3.15% a year ago; cost of funds rose 130 bps to 3.54%.","Non-accrual loans jumped to $22.2M (0.68% of loans) from $5.1M (0.16%) in Q1 2023.","Provision for credit losses $2.1M, up from $622K a year ago; net charge-offs $1.1M vs net recoveries.","Declared $0.16 quarterly dividend, unchanged, payable May 17, 2024 to holders of record May 3."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-102897","json":"https://secwatch.observer/filing/0001193125-24-102897.json","markdown":"https://secwatch.observer/filing/0001193125-24-102897.md","text":"https://secwatch.observer/filing/0001193125-24-102897.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1228454/000119312524102897/0001193125-24-102897-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1228454/000119312524102897/d758242d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T15:16:42.171276+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":"9dcbc46f226f8dc06a441576b8095b7d7ae99e2b","claim":"BCB BANCORP INC reported the quarter ended March 31, 2024 results: net income $5.9 million, EPS $0.32.","evidence_excerpt":"BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), today reported net income of $5.9 million for the first quarter of 2024, compared to $6.1 million in the fourth quarter of 2023, and $8.1 million for the first quarter of 2023. Earnings per diluted share for the first quarter of 2024 were $0.32, compared to $0.35 in the preceding quarter and $0.46 in the first quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1228454/000119312524102897/0001193125-24-102897-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$5.9 million"},{"label":"EPS","value":"$0.32"},{"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"}