---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-437028"
form_type: "8-K"
ticker: "BCBP"
cik: "0001228454"
company_name: "BCB BANCORP INC"
filed_at: "2026-10-29T11:49:41+00:00"
generated_at: "2026-10-29T11:55:32.087610+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# BCB Bancorp posts Q3 2026 net loss of $132.5M ($6.92/sh) on $115M credit provision; sells $204.3M of problem loans

## Summary
- Net loss of $132.5M, or $6.92 per diluted share, vs net income of $3.8M ($0.22) in Q3 2025; provision for credit losses $115.0M vs $4.1M a year ago.
- Sold $204.3M of problem loans ($179.7M commercial/multifamily, $14.6M C&I, $10.0M construction) with $42.3M charge-off; moved $100.9M more to held-for-sale, $44.2M charge-off.
- $59.9M non-cash valuation allowance against deferred tax assets drove income tax provision of $23.5M; nine-month net loss $142.8M ($7.98/sh).
- Capital: $98.0M gross equity raise ($91.4M net, ~$20M retained at holdco); leverage ratio 8.4% company / 9.0% bank; non-accrual loans fell to $22.4M (1.00%) from $61.2M.
- C-suite reorg: COO Ryan Blake to Chief Banking Officer, Sandra Sievewright to Chief Administrative Officer, Eleni Willis named Chief Risk Officer, Karen Duran principal accounting officer.

## SEC filing metadata
- accession: 0001193125-26-437028
- form_type: 8-K
- ticker: BCBP
- cik: 0001228454
- company_name: BCB BANCORP INC
- filed_at: 2026-10-29T11:49:41+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 5.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1228454/000119312526437028/0001193125-26-437028-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1228454/000119312526437028/d180307d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-437028
- JSON: https://secwatch.observer/filing/0001193125-26-437028.json
- Plain text: https://secwatch.observer/filing/0001193125-26-437028.txt

## Key facts
- Executive change
  Ryan Blake changed role as Chief Banking Officer at BCB BANCORP INC.
  - Action: transitioned
  - Role: Chief Banking Officer
  source text: On October 29, 2026, the Company announced that the Boards of Directors of the Company and BCB Community Bank (the “Bank”) approved a transition of Ryan Blake from the position of Chief Operating Officer of the Company and the Bank to the newly established position of Chief Banking Officer of the Bank.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1228454/000119312526437028/0001193125-26-437028-index.htm

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