---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-014179"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T08:01:53.453083+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp Q4 net income $3.3M ($0.16 EPS), down 46% from Q3; credit costs surge

## Summary
- Net income $3.3M vs $6.7M Q3 and $6.1M Q4 2023; diluted EPS $0.16 vs $0.36 and $0.35.
- Provision for credit losses $4.2M, up from $2.9M Q3 and $1.9M Q4 2023; net charge-offs $4.1M vs $233K.
- Non-accrual loans jumped to $44.7M (1.48% of loans) from $18.8M (0.57%) a year ago.
- Net interest margin narrowed to 2.53% from 2.57%; loans declined 8.6% YoY.
- Board declared $0.16/share quarterly dividend, payable Feb 24, 2025 to holders of record Feb 7.

## SEC filing metadata
- accession: 0001193125-25-014179
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2025-01-28T23:59:59+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/1228454/000119312525014179/0001193125-25-014179-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312525014179/d883212d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-014179
- JSON: https://secwatch.observer/filing/0001193125-25-014179.json
- Plain text: https://secwatch.observer/filing/0001193125-25-014179.txt

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