---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-168060"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2025-07-29T23:59:59+00:00"
generated_at: "2026-05-17T23:32:26.793358+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp Q2 net income $3.6M, EPS $0.18; declares $0.16 dividend

## Summary
- Net income $3.6M ($0.18 diluted EPS) vs Q1 net loss $8.3M ($0.51 loss) and Q2 2024 $2.8M ($0.14).
- Net interest margin expanded to 2.80% from 2.59% in Q1; cost of interest-bearing liabilities down 17 bp to 3.16%.
- Provision for credit losses $4.9M (down from $20.8M in Q1); non-accrual loans $101.8M (3.50% of gross loans).
- Board declared $0.16/share regular quarterly cash dividend payable Aug 25 to holders of record Aug 11.

## SEC filing metadata
- accession: 0001193125-25-168060
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2025-07-29T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1228454/000119312525168060/0001193125-25-168060-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312525168060/d829881d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-168060
- JSON: https://secwatch.observer/filing/0001193125-25-168060.json
- Plain text: https://secwatch.observer/filing/0001193125-25-168060.txt

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