---
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"
generated_at: "2026-08-03T11:15:06.164603+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp posts Q2 net loss of $14.8M; suspends dividends, halts consumer lending

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-329536
- JSON: https://secwatch.observer/filing/0001193125-26-329536.json
- Plain text: https://secwatch.observer/filing/0001193125-26-329536.txt

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