---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-014695"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2026-01-16T23:59:59+00:00"
generated_at: "2026-05-16T09:44:36.088481+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp reports $15.1M cannabis REO write-down and $16.4M net charge-offs in Q4 2025

## Summary
- $15.1M pre-tax write-down on an isolated cannabis-related real estate owned property.
- $16.4M in additional net charge-offs, primarily in the C&I loan portfolio; largest single C&I charge-off was $6.4M.
- Approximately $1.4M of net charge-offs attributable to 'Business Express' loans.
- Company expects no future cash expenditures from these charge-offs and states capital is sufficient to absorb losses.

## SEC filing metadata
- accession: 0001193125-26-014695
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2026-01-16T23:59:59+00:00
- event_type: other_material
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.06
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1228454/000119312526014695/0001193125-26-014695-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312526014695/d69266d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-014695
- JSON: https://secwatch.observer/filing/0001193125-26-014695.json
- Plain text: https://secwatch.observer/filing/0001193125-26-014695.txt

## Source-grounded claims
- claim_id: d32273fc8849ff26f3525a9e85abf53ea379c410
  claim: BCB BANCORP INC announced a impairment with charges of approximately $1.4 million affecting the Bank’s “Business Express” loans.
  evidence_excerpt: Approximately $1.4 million of these net charge-offs were attributable to the Bank’s “Business Express” loans.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1228454/000119312526014695/0001193125-26-014695-index.htm
- claim_id: e88527291cdd505effdfb88b85f9c8a40d9d0c15
  claim: BCB BANCORP INC announced a impairment with charges of $15.1 million (pre-tax) affecting cannabis-related real estate owned (REO) property.
  evidence_excerpt: On January 13, 2026, the Board of Directors and management of BCB Bancorp, Inc. (the “Company”) determined that a write down of $15.1 million (pre-tax) was required with respect to an isolated cannabis-related real estate owned (REO) property.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1228454/000119312526014695/0001193125-26-014695-index.htm
- claim_id: fa626e2e360c66bea8549ee0026d4fab21dcfa87
  claim: BCB BANCORP INC announced a impairment with charges of $6.4 million affecting C&I loan.
  evidence_excerpt: The largest of these charge-offs was a $6.4 million C&I loan.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1228454/000119312526014695/0001193125-26-014695-index.htm

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