---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-251653"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2025-10-27T23:59:59+00:00"
generated_at: "2026-05-17T02:08:50.178964+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 $4.3M ($0.22 EPS); net charge-offs $16.9M on cannabis loan

## Summary
- Net income of $4.3M ($0.22 diluted EPS) vs. $6.7M ($0.36) in Q3 2024; YTD net loss of $498k.
- Net interest margin improved to 2.88% from 2.58% YoY; provision for credit losses $4.1M (Q3 2024: $2.9M).
- Net charge-offs of $16.9M in Q3 2025, including $12.7M charge-off for a cannabis loan taken to OREO.
- Non-accrual loans jumped to $93.5M (3.31% of loans) from $35.3M (1.13%) a year ago.
- Board declared $0.16/share quarterly dividend payable Nov 24, 2025, record Nov 10.

## SEC filing metadata
- accession: 0001193125-25-251653
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2025-10-27T23:59:59+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/1228454/000119312525251653/0001193125-25-251653-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-251653
- JSON: https://secwatch.observer/filing/0001193125-25-251653.json
- Plain text: https://secwatch.observer/filing/0001193125-25-251653.txt

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