---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-089205"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T09:04:26.411397+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp reports Q1 net loss of $8.3M; credit charges surge to $20.8M

## Summary
- Net loss of $8.3M vs net income of $5.9M in Q1 2024; diluted EPS ($0.51) vs $0.32.
- Provision for credit losses $20.8M (Q1 2024: $2.1M); $13.7M specific reserve on $34.2M cannabis-sector loan, plus $3.1M on Business Express portfolio.
- Non-accrual loans jumped to $99.8M (3.36% of gross loans) from $22.2M (0.68%) a year ago.
- Net interest margin improved to 2.59% from 2.50% due to 24 bp decline in cost of interest-bearing liabilities.
- Board declared $0.16/share quarterly dividend, payable May 21, 2025 to holders of record May 7, 2025.

## SEC filing metadata
- accession: 0001193125-25-089205
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2025-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1228454/000119312525089205/0001193125-25-089205-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312525089205/d937515d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-089205
- JSON: https://secwatch.observer/filing/0001193125-25-089205.json
- Plain text: https://secwatch.observer/filing/0001193125-25-089205.txt

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