secwatch.observer — SEC 8-K summary
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Issuer:     BCB BANCORP INC (BCBP)
CIK:        0001228454
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0001193125-25-251653
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

BCB Bancorp Q3 net income $4.3M ($0.22 EPS); net charge-offs $16.9M on cannabis loan
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/0001193125-25-251653-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-251653

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