---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-031836"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2026-01-30T23:59:59+00:00"
generated_at: "2026-05-16T05:56:13.332689+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 1.0
calibrated_materiality_score: 1.0
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp Reports $12.0M Net Loss in Q4 2025 on Cannabis-Related Write-Down and Charge-Offs

## Summary
- Net loss of $12.0M in Q4 2025, vs net income of $4.3M in Q3 2025 and $3.3M in Q4 2024.
- Pre-tax write-down of $15.1M on a cannabis-related REO property drove the loss.
- Net charge-offs totaled $16.3M in Q4 2025, primarily from the C&I loan portfolio.
- Board declared a $0.08 per share quarterly dividend, payable Feb 26, 2026.

## SEC filing metadata
- accession: 0001193125-26-031836
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2026-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 1.0
- calibrated_materiality_score: 1.0
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1228454/000119312526031836/0001193125-26-031836-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312526031836/d68934d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-031836
- JSON: https://secwatch.observer/filing/0001193125-26-031836.json
- Plain text: https://secwatch.observer/filing/0001193125-26-031836.txt

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