BCB Bancorp, Inc. (BCBP) SEC Filings & Earnings Calls
EquiReason read 26 BCB Bancorp, Inc. SEC filings in the last 12 months. Latest: DEF 14A on 2026-10-09 — BCB Bancorp proposes to reincorporate from New Jersey to Delaware, declassify the board, and adopt updated governance documents..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 156.2M
- P/E TTM
- —
- Dividend yield
- 5.6%
- 52-week
- —
- Next earnings
- 29 Oct, in 5 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
7 Oct 20268-K · 5.02BCB Bancorp filed an 8-K regarding departure of a director or principal officer (CEO/CFO change).open
Risks flagged
Executive departure may indicate leadership instability or strategic shift
“Item 5.02: reported the departure of a director or principal officer (CEO/CFO change).”
25 Sep 20268-K · 8.01BCB Bancorp sold $205.3M problem loans (commercial/multifamily/C&I/construction) at an estimated pre-tax loss of $43.3M to be recorded in Q3 2026. Five of six sales closed.open
Figures in the filing · each found in the filing text
| Unpaid principal balance of loans sold · Q3-2026 | $205M | |
| Estimated pre-tax loss on loan sales · Q3-2026 | $43M |
Risks flagged
Significant credit loss from problem loan sales; commercial real estate and C&I loans sold at a loss.
“estimated pre-tax loss attributable to these loan sales is $43.3 million” · word for word
18 Sep 20268-K · 1.01, 8.01BCB Bancorp completed a public offering of 12,650,000 shares (including overallotment) at net proceeds of ~$92.4M; underwriting agreement with Piper Sandler; proceeds for general corporate purposes.open
Figures in the filing · each found in the filing text
| Net proceeds from equity offering · September 18, 20 | $92M | |
| Shares issued · September 18, 20 | 12,650,000 |
Risks flagged
Dilution from equity offering; 12.65M new shares issued.
“Issued 11,000,000 underwritten shares plus 1,650,000 overallotment shares.”
17 Sep 20268-K · 8.01BCB Bancorp prices underwritten public offering of 11M shares at $85.25M gross proceeds; dilutive to existing shareholders.open
Figures in the filing · each found in the filing text
| Shares offered · current | 11,000,000 | |
| Gross proceeds · current | $85M |
Risks flagged
Dilution risk from new share issuance; potential downward pressure on stock price.
“underwritten public offering of 11,000,000 shares” · word for word
16 Sep 20268-K · 8.01BCBP launches equity offering, plans to sell ~$210M problem loans, ~$27M CRE loans, and ~$69M cannabis loans; expects Q3 net loss of $126.2M-$136.1M with $87M pre-tax loss on loan sales and $50M DTA valuation allowance.open
Figures in the filing · each found in the filing text
| Problem loans aggregate principal balance · Q3-2026 | $210M | |
| Commercial real estate loans transferred to held for sale · Q3-2026 | $27M | |
| Cannabis loans unpaid principal balance · Q3-2026 | $69M | |
| Cannabis deposits balance · Q3-2026 | $70M | |
| Pre-tax loss on loan sales · Q3-2026 | $87M | |
| Deferred tax asset valuation allowance · Q3-2026 | $50M |
Guidance
Q3 2026 net loss $126.2M-$136.1M; provision for credit losses $112M-$120M; pre-tax loss on loan sales ~$87M; DTA valuation allowance ~$50M
Company guides for a substantial Q3 net loss due to credit losses, loan sale losses, and DTA write-down; also launches equity offering.
Risks flagged
Massive credit losses, equity offering, and exit from cannabis business signal severe financial distress.
“Q3 net loss $126.2M-$136.1M; provision $112M-$120M; $87M pre-tax loss on loan sales; $50M DTA write-down; equity offering launched.”
3 Sep 20268-K · 4.01Dismissal of independent auditor Wolf & Company, P.C.; no disagreements or reportable events. Routine accounting firm change.open
Risks flagged
Low risk; auditor change without adverse opinions or disagreements.
“Wolf & Co's reports did not contain adverse opinion or disclaimer.”
10 Aug 202610-QBCB Bancorp reported a net loss of $14.8M for Q2 2026 vs net income of $3.6M in Q2 2025, driven by elevated credit provisioning and goodwill impairment.open
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 3.0% | |
| Provision for credit losses · Q2-2026 | $19M | +288% y/y |
| Allowance for credit losses on loans · 2026-06-30 | $45M | |
| Non-accrual loans · 2026-06-30 | $72M | +14% y/y |
| Total deposits · 2026-06-30 | $2.64B | -1% y/y |
| Net charge-offs · Q2-2026 | $7M | +16% y/y |
| Earnings per share (diluted) · H1-2026 | $-0.60 | +82% y/y |
Risks flagged
Credit portfolio re-evaluation risk
“Since June 1, 2026, we have been engaged in a comprehensive re-evaluation of our credit portfolios with the assistance of independent consultants, as part of our broader effort to strengthen the balance sheet and position the Bank for long-term success.” · word for word
Dividend suspension risk
“At its June 2026 meeting, the Company’s Board of Directors approved the suspension of both common and preferred dividends in order to help preserve capital at the Bank and liquidity at the holding company.” · word for word
Liquidity risk from deposit outflows
“Deposits decreased by $37.6 million, or 1.4 percent, to $2.636 billion at June 30, 2026, from $2.674 billion at December 31, 2025.” · word for word
7 Aug 20268-K · 2.02Q2 2026 earnings call: net loss includes $5.3M goodwill impairment; C&I loan loss provision $16.7M; dividend suspended; margin up 8bps to >3%; tangible book value impacted; credit review ongoing.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 3.0% | |
| Provision for credit losses · Q2-2026 | $19M | |
| Goodwill impairment · Q2-2026 | $5M |
Risks flagged
Credit loss cycle intensifying; C&I portfolio expected major recovery now abandoned; further charge-offs possible.
“we no longer have that expectation [of major recovery]”
Double leverage at holding company; dividend suspended; capital adequacy under scrutiny.
“the absolute level of double leverage at the holding company” · word for word
Governance overhaul (reincorporation, de-stagger board) signals pressure for change.
“the Board has determined to change the state of incorporation to Delaware” · word for word
3 Aug 20268-K · 2.02, 8.01Net loss of $14.8M vs net income of $4.9M prior quarter; $19M provision for credit losses; goodwill impairment; dividend suspension; loan portfolio review; residential lending ceased.earningsopen
Figures in the filing · each found in the filing text
| net income · Q2-2026 | $-15M | -511% y/y |
| EPS diluted · Q2-2026 | $-0.85 | -572% y/y |
| total deposits · 2026-06-30 | $2.64B | |
| net interest margin · Q2-2026 | 3.0% | |
| efficiency ratio · Q2-2026 | 96.8% | |
| return on average assets (annualized) · Q2-2026 | -1.8% | |
| return on average equity (annualized) · Q2-2026 | -19.2% | |
| provision for credit losses · Q2-2026 | $19M | +288% y/y |
| non-accrual loans · 2026-06-30 | $72M | -29% y/y |
| allowance for credit losses / non-accrual loans · 2026-06-30 | 62.5% |
Risks flagged
Elevated credit losses in C&I and Business Express loan portfolios; $19M provision in quarter; ongoing portfolio review may reveal further issues
“The elevated provision reflects additional reserves established for the Business Express loan portfolio and other portions of the Commercial and Industrial (“C&I”) loan portfolio, which has continued to experience elevated net charge-offs.” · word for word
Goodwill fully impaired ($5.3M) due to sustained stock price discount to book value and significant quarterly loss
“The goodwill impairment charge resulted from an interim quantitative impairment assessment triggered by the Company’s significant quarterly loss and the continued trading of its stock at a substantial discount to book value.” · word for word
Dividend suspension on common and preferred shares to preserve capital; exit from residential mortgage, home equity, and consumer lending
“the board of directors agreed to suspend both common and preferred dividends at their June meeting. ... the Bank has ceased originating residential mortgage, home equity, and consumer loans”
8 Jul 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportopen
Risks flagged
Suspension of DRIP without explanation may signal capital or regulatory concerns; potential negative signal for equity investors.
“Plan suspension effective August 6, 2026; no reason provided.”
18 Jun 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportopen
Risks flagged
Dividend suspension signals financial stress; potential regulatory capital concerns; exposure to economic headwinds (tariffs, inflation, geopolitical)
“Suspension of common and preferred dividends; forward-looking statements cite tariffs, inflation, Middle East conflicts, loan delinquencies”
1 Jun 20268-K · 5.02Reported the departure of a director or principal officer (CEO/CFO change); filed financial statements and exhibits with this reportopen
Risks flagged
CEO age 75; succession risk; large equity grant may dilute existing shareholders
“O'Brien is 75 years old; $8M restricted stock grant vests over 5 years; prior CEO departed May 2026”
21 May 20268-K · 5.02Reported a director or officer change (departure, election, appointment or pay arrangement)open
Risks flagged
Sudden CEO departure without explanation; interim leadership; potential strategic uncertainty
“CEO separation effective May 20, 2026; no reason provided; interim CEO appointed”
1 May 202610-QNet interest income $23M (+4% y/y); Net income (loss) available to common stockholders $4M; Provision for credit losses on loans $3Mopen
Figures in the filing · each found in the filing text
| Net interest income · Q1-2026 | $23M | +4% y/y |
| Net income (loss) available to common stockholders · Q1-2026 | $4M | |
| Provision for credit losses on loans · Q1-2026 | $3M | |
| Total deposits · 2026-03-31 | $2.67B | |
| Gross loans · 2026-03-31 | $2.69B | |
| Allowance for credit losses on loans · 2026-03-31 | $33M | |
| Cannabis related loans · Cannabis related · 2026-03-31 | $69M | |
| Non-interest expense · Q1-2026 | $16M | +6% y/y |
Risks flagged
Cannabis loan credit risk
“While medical use cannabis and recreational use businesses are legal in numerous states, including our primary markets of New Jersey and New York, such businesses are not legal at the federal level and marijuana remains a Schedule I drug under the Controlled Substances Act of 1970.” · word for word
Commercial real estate concentration
“Commercial and multi-family loans $2,021,827 (75% of gross loans) as of March 31, 2026.”
Elevated charge-offs in business express portfolio
“Business express charge-offs of $534,000 in Q1 2026 and $3,925,000 in Q1 2025.”
22 Apr 20268-K · 2.02, 8.01Net income $5M; Earnings per diluted share $0.26; Net interest margin 2.95earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $5M | |
| Earnings per diluted share · Q1-2026 | $0.26 | |
| Net interest margin · Q1-2026 | 3.0% | |
| Total deposits · 2026-03-31 | $2.67B | |
| Efficiency ratio · Q1-2026 | 62.4% | |
| Annualized return on average assets · Q1-2026 | 0.6% | |
| Annualized return on average equity · Q1-2026 | 6.5% | |
| Dividend per share · Q2-2026 | $0.08 |
Risks flagged
Credit headwinds moderated but still present; net interest margin declined sequentially from 3.03% to 2.95%
“Net interest margin decreased from 3.03% in Q4 2025 to 2.95% in Q1 2026; credit headwinds experienced in 2025 have moderated”
24 Mar 2026DEF 14ANet Income $-12M (-167% y/y); Net Interest Income $93M (+1% y/y); Net Interest Margin 2.82open
Figures in the filing · each found in the filing text
| Net Income · FY2025 | $-13M | -167% y/y |
| Net Interest Income · FY2025 | $93M | +1% y/y |
| Net Interest Margin · FY2025 | 2.8% | |
| Net Charge-offs · FY2025 | $43M | |
| Non-interest Expense · FY2025 | $78M | +36% y/y |
Risks flagged
Deteriorating credit quality
“During the twelve months of 2025, the Company recognized $43.1 in net-charge offs compared to $10.4 million in net-charge offs for the same period in 2024.” · word for word
Elevated operating expenses
“Non-interest expense increased by $20.8 million, or 36.3 percent, to $77.9 million for the twelve months ended December 31, 2025” · word for word
9 Mar 202610-KNet interest margin 2.82; Provision for credit losses $42M (+263% y/y); Net charge-offs $43M (+314% y/y)open
Figures in the filing · each found in the filing text
| Net interest margin · FY2025 | 2.8% | |
| Provision for credit losses · FY2025 | $42M | +263% y/y |
| Net charge-offs · FY2025 | $43M | +314% y/y |
| Total deposits · FY2025 | $2.67B | -3% y/y |
| Net income · FY2025 | $-13M | -167% y/y |
| Revenue · FY2025 | $173M | -11% y/y |
| Dividend per share · FY2025 | $0.64 | 0% y/y |
Risks flagged
Credit quality deterioration
“The provision for credit losses increased from $11.6 million for the twelve months ended December 31, 2024, to $42.0 million for the twelve months ended December 31, 2025.” · word for word
Cannabis-related loan exposure
“The elevated net charge-offs were partly driven by the $12.7 million of net charge-off recorded in connection with the elimination of specific reserves for a cannabis-related relationship.” · word for word
Commercial real estate concentration
“The following table summarizes the Company’s classified loans greater than $5 million at December 31, 2025... Mixed Use-retail/office CRE Bronx, NY $7,469... Office building CRE Ridgefield Park, NJ $10,000 past due... Mixed Use-retail/office CRE New York, NY $15,071 94.19% current” · word for word
30 Jan 20268-K · 2.02, 8.01Net loss $-12M; Earnings per diluted share $-0.73; Net interest margin 3.03earningsopen
Figures in the filing · each found in the filing text
| Net loss · Q4-2025 | $-12M | |
| Earnings per diluted share · Q4-2025 | $-0.73 | |
| Net interest margin · Q4-2025 | 3.0% | |
| Total deposits · 2025-12-31 | $2.67B | -3% y/y |
| Allowance for credit losses as % of non-accrual loans · 2025-12-31 | 53.3% | |
| Non-accrual loans · 2025-12-31 | $63M | +42% y/y |
| Provision for credit losses · Q4-2025 | $12M | +190% y/y |
| Total loans receivable, net · 2025-12-31 | $2.69B | -10% y/y |
| Efficiency ratio · Q4-2025 | 120.0% | |
| Annualized return on average assets · Q4-2025 | -1.4% |
Risks flagged
Credit loss cycle intensifying: $16.3M net charge-offs in Q4, primarily C&I; provision $12.2M vs $4.2M year ago; non-accrual loans elevated at $63.3M
“$16.3 million in additional net charge-offs, primarily within the Bank’s C&I loan portfolio; provision for credit losses was $12.2 million in the fourth quarter of 2025 compared to $4.2 million in the fourth quarter of 2024” · word for word
Asset impairment: $15.1M pre-tax write-down on cannabis-related REO property
“a $15.1 million pre-tax write-down on an isolated cannabis-related real estate owned (REO) property” · word for word
Dividend cut: quarterly dividend reduced to $0.08 from $0.16 per share, signaling capital preservation
“Board of Directors has made the strategic decision to adjust our quarterly cash dividend to $0.08 per share” · word for word
16 Jan 20268-K · 2.06Pre-tax write-down on REO property $15M; Additional net charge-offs $16M; Largest C&I charge-off $6Mopen
Figures in the filing · each found in the filing text
| Pre-tax write-down on REO property · REO · Q4-2025 | $15M | |
| Additional net charge-offs · C&I loan portfolio · Q4-2025 | $16M | |
| Largest C&I charge-off · C&I · Q4-2025 | $6M | |
| Business Express charge-offs · Business Express · Q4-2025 | $1M |
Risks flagged
Material asset impairment: $15.1M pre-tax write-down on cannabis-related REO property; additional $16.4M net charge-offs in C&I portfolio
“a write down of $15.1 million (pre-tax) was required with respect to an isolated cannabis-related real estate owned (REO) property; $16.4 million in additional net charge-offs, primarily related to the Bank’s C&I loan portfolio” · word for word
Concentration risk in cannabis-related real estate and C&I lending; potential for further losses
“cannabis-related real estate owned (REO) property; C&I loan portfolio charge-offs” · word for word
5 Nov 202510-QBCB Bancorp reported a net loss available to common stockholders of $1.9M for 9M 2025, driven by a sharp increase in credit loss provisions, especially in cannabis and business express loans.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q3-2025 | $24M | -8% y/y |
| Provision for credit losses on loans · 9M-2025 | $30M | +302% y/y |
| Total deposits · 2025-09-30 | $2.69B | |
| Net income (loss) available to common stockholders · 9M-2025 | $-2M | -114% y/y |
| Allowance for credit losses on loans · 2025-09-30 | $38M |
Risks flagged
Cannabis loan credit risk
“Cannabis related loans $69.1 million and $103.2 million; Charge-offs: - (12,756)”
Deposit outflow risk
“Total deposits 2,687,387 2,750,858” · word for word
27 Oct 20258-K · 2.02, 8.01Net income $4M; Earnings per diluted share $0.22; Net interest margin 2.88; Guidance: No explicit quantitative guidance; management comments on continued focus on balance sheet optimization.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2025 | $4M | |
| Earnings per diluted share · Q3-2025 | $0.22 | |
| Net interest margin · Q3-2025 | 2.9% | |
| Total deposits · Q3-2025 | $2.69B | |
| Provision for credit losses · Q3-2025 | $4M | |
| Efficiency ratio · Q3-2025 | 62.6% | |
| Non-accrual loans · Q3-2025 | $94M | |
| Dividend per share · Q4-2025 | $0.16 | |
| Return on average assets (annualized) · Q3-2025 | 0.5% |
Guidance
No explicit quantitative guidance; management comments on continued focus on balance sheet optimization.
Management reaffirms focus on asset quality and balance sheet optimization; NIM expansion and dividend declaration signal confidence.
Risks flagged
Elevated net charge-offs from a cannabis-related relationship; non-accrual loans remain high at $93.5M.
“The net charge-offs in the quarter were elevated primarily due to the $12.7 million charge-off of previously established specific reserves for a cannabis-related relationship; Total non-accrual loans were $93.5 million at September 30, 2025” · word for word
BCB Bancorp, Inc. — questions
- What did BCB Bancorp, Inc. file recently?
- 26 SEC filings in the last 12 months. Latest: DEF 14A on 2026-10-09 — BCB Bancorp proposes to reincorporate from New Jersey to Delaware, declassify the board, and adopt updated governance documents.
Every figure on this page comes from BCB Bancorp, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.