{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-329536","form_type":"8-K","ticker":"BCBP","cik":"0001228454","company_name":"BCB BANCORP INC","filed_at":"2026-08-03T11:10:06+00:00","discovered_at":"2026-08-03T11:15:00.319142+00:00","generated_at":"2026-08-03T11:15:06.164603+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"BCB Bancorp posts Q2 net loss of $14.8M; suspends dividends, halts consumer lending","bullets":["Net loss of $14.8M ($0.85 diluted loss) vs. net income of $3.6M in Q2 2025; driven by $19.0M provision for credit losses and $5.3M goodwill impairment.","Board suspends common and preferred dividends to preserve capital; also ceases originating residential mortgage, home equity, and consumer loans.","Non-accrual loans rose to $72.0M (2.73% of gross loans) at June 30, 2026, from $63.3M at Dec 31, 2025; allowance for credit losses increased to $45.0M.","Board proposes reincorporation from New Jersey to Delaware and move to annual director elections, subject to shareholder approval at a special meeting.","Comprehensive loan portfolio review underway with independent consultants; additional credit impacts may be identified in Q3 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-329536","json":"https://secwatch.observer/filing/0001193125-26-329536.json","markdown":"https://secwatch.observer/filing/0001193125-26-329536.md","text":"https://secwatch.observer/filing/0001193125-26-329536.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1228454/000119312526329536/0001193125-26-329536-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1228454/000119312526329536/d149798d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-03T11:15:06.164603+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}