BCB BANCORP INC

For the period ended Sep 30, 2025. Filed Nov 5, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 5, 2025

BCBP$9.170.0%Stored close · as of Nov 9, 2026

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Contents

Consolidated Statements of Operations for the three and nine months ended September 30, 2025, 2024 and 2023 (unaudited)

Consolidated Statements of Operations

(In thousands, Except for Per Share Amounts, Unaudited)

	Three Months Ended September 30,			Nine Months Ended September 30,
	2025	2024	2023	2025	2024	2023
Interest and dividend income:
Loans, including fees	$38,278	$42,857	$44,133	$115,855	$130,615	$125,666
Mortgage-backed securities	843	303	217	2,169	905	587
Other investment securities	1,114	994	1,045	3,139	2,975	3,235
FHLB stock and other interest earning assets	2,807	4,472	3,672	9,252	12,861	9,168
Total interest income	43,042	48,626	49,067	130,415	147,356	138,656
Interest expense:
Deposits:
Demand	5,608	5,686	4,556	16,610	16,292	11,900
Savings and club	233	146	182	601	464	443
Certificates of deposit	9,445	13,670	10,922	29,377	43,224	25,849
	15,286	19,502	15,660	46,588	59,980	38,192
Borrowings	4,045	6,079	7,727	15,009	17,549	20,324
Total interest expense	19,331	25,581	23,387	61,597	77,529	58,516
Net interest income	23,711	23,045	25,680	68,818	69,827	80,140
Provision for credit losses on loans	4,080	2,890	2,205	29,816	7,416	4,177
Net interest income after provision for credit losses on loans	19,631	20,155	23,475	39,002	62,411	75,963
Non-interest income:
Fees and service charges	1,311	1,196	1,349	3,789	3,530	3,889
BOLI income	931	652	466	2,325	1,998	1,154
(Loss) gain on sales of loans	21	35	19	21	(4,771)	25
Realized and unrealized gains (losses) on equity investments	350	1,132	(494)	127	1,040	(4,390)
Other	132	112	66	350	205	182
Total non-interest income	2,745	3,127	1,406	6,612	2,002	860
Non-interest expense:
Salaries and employee benefits	8,324	7,139	7,524	23,440	21,112	22,853
Occupancy and equipment	2,562	2,591	2,622	7,787	7,764	7,734
Data processing and communications	2,047	1,681	1,787	5,937	5,206	5,247
Professional fees	800	618	560	2,259	1,817	1,748
Director fees	305	351	274	1,036	882	809
Regulatory assessments	984	666	1,111	2,497	2,761	2,443
Advertising and promotional	284	182	317	679	651	945
Other real estate owned, net	-	-	1	-	-	3
Other	1,264	701	1,267	2,863	2,561	2,241
Total non-interest expense	16,570	13,929	15,463	46,498	42,754	44,023
Income (Loss) before income tax provision	5,806	9,353	9,418	(884)	21,659	32,800
Income tax provision (benefit)	1,544	2,685	2,707	(386)	6,308	9,379
Net Income (Loss)	$4,262	$6,668	$6,711	$(498)	$15,351	$23,421
Preferred stock dividends	482	475	173	1,446	1,357	520
Net Income (Loss) available to common stockholders	$3,780	$6,193	$6,538	$(1,944)	$13,994	$22,901
Net Income (Loss) per common share-basic and diluted
Basic	$0.22	$0.36	$0.39	$(0.11)	$0.82	$1.36
Diluted	$0.22	$0.36	$0.39	$(0.11)	$0.82	$1.35
Weighted average number of common shares outstanding
Basic	17,207	17,039	16,830	17,165	16,991	16,868
Diluted	17,207	17,064	16,854	17,165	16,992	16,951

Consolidated Statements of Comprehensive Income (Loss)

(In thousands, Unaudited)

	Three Months Ended September 30,			Nine Months Ended September 30,
	2025	2024	2023	2025	2024	2023
Net Income (Loss)	$4,262	$6,668	$6,711	$(498)	$15,351	$23,421
Other comprehensive income (loss), net of tax:
Available-for-sale debt securities:
Unrealized holding gains (losses) arising during the period	1,516	2,809	(414)	3,029	2,405	(4,204)
Tax Effect	(373)	(692)	209	(746)	(592)	1,069
Other comprehensive income (loss), net of tax:	1,143	2,117	(205)	2,283	1,813	(3,135)
Comprehensive income	$5,405	$8,785	$6,506	$1,785	$17,164	$20,286

Consolidated Statements of Changes in Stockholders’ Equity

Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income‎(Loss) · Total
Balance at January 1, 2025	$	-	$	-	$225,658	$141,853	$(38,347)	$(5,239)	$323,925
Net loss		-		-	-	(498)	-	-	(498)
Other comprehensive income		-		-	-	-	-	2,283	2,283
Issuance of Series K preferred stock		-		-	520	-	-	-	520
Stock-based compensation expense		-		-	780	-	-	-	780
Dividends payable on Series J 8.0% and Series K 6% noncumulative perpetual preferred stock		-		-	-	(1,446)	-	-	(1,446)
Cash dividends on common stock ($0.14 per share declared)		-		-	-	(7,982)	-	-	(7,982)
Dividend reinvestment plan		-		-	257	(257)	-	-	-
Stock Purchase Plan		-		-	871	-	-	-	871
Balance at September 30, 2025	$	-	$	-	$228,086	$131,670	$(38,347)	$(2,956)	$318,453
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income (Loss) · Total
Balance at July 1, 2025	$	-	$	-	$227,554	$130,627	$(38,347)	$(4,099)	$315,735
Net income		-		-	-	4,262	-	-	4,262
Other comprehensive income		-		-	-	-	-	1,143	1,143
Stock-based compensation expense		-		-	229	-	-	-	229
Dividends payable on Series J 8.0% and Series K 6% noncumulative perpetual preferred stock		-		-	-	(482)	-	-	(482)
Cash dividends on common stock ($0.14 per share declared)		-		-	-	(2,635)	-	-	(2,635)
Dividend reinvestment plan		-		-	102	(102)	-	-	-
Stock Purchase Plan		-		-	201	-	-	-	201
Balance at September 30, 2025	$	-	$	-	$228,086	$131,670	$(38,347)	$(2,956)	$318,453

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Consolidated Statement of Changes in Stockholders’ Equity

Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income‎(Loss) · Total
Balance at January 1, 2024	$	-	$	-	$223,966	$135,927	$(38,347)	$(7,491)	$314,055
Net income		-		-	-	15,351	-	-	15,351
Other comprehensive income		-		-	-	-	-	1,813	1,813
Issuance of Series J preferred stock		-		-	4,720	-	-	-	4,720
Stock-based compensation expense		-		-	626	-	-	-	626
Dividends payable on Series I 3.0% and Series J 8.0% noncumulative perpetual preferred stock		-		-	-	(1,357)	-	-	(1,357)
Cash dividends on common stock ($0.48 per share declared)		-		-	-	(7,820)	-	-	(7,820)
Dividend reinvestment plan		-		-	331	(331)	-	-	-
Stock Purchase Plan		-		-	725	-	-	-	725
Balance at September 30, 2024	$	-	$	-	$230,368	$141,770	$(38,347)	$(5,678)	$328,113
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income (Loss) · Total
Balance at July 1, 2024	$	-	$	-	$228,565	$138,309	$(38,347)	$(7,795)	$320,732
Net income		-		-	-	6,668	-	-	6,668
Other comprehensive loss		-		-	-	-	-	2,117	2,117
Issuance of Series J preferred stock		-		-	1,360	-	-	-	1,360
Stock-based compensation expense		-		-	229	-	-	-	229
Dividends payable on Series I 3.0% and Series J 8.0% noncumulative perpetual preferred stock		-		-	-	(475)	-	-	(475)
Cash dividends on common stock ($0.16 per share declared)		-		-	-	(2,618)	-	-	(2,618)
Dividend reinvestment plan		-		-	114	(114)	-	-	-
Stock Purchase Plan		-		-	100	-	-	-	100
Balance at September 30, 2024	$	-	$	-	$230,368	$141,770	$(38,347)	$(5,678)	$328,113

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Consolidated Statement of Changes in Stockholders’ Equity

Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income‎(Loss) · Total
Balance at December 31, 2022	$	-	$	-	$217,167	$115,109	$(34,531)	$(6,491)	$291,254
Effect of Adopting ASU No. 2016 -13 ("CECL")		-		-	-	2,870	-	-	2,870
Beginning Balance at January 1, 2023		-		-	217,167	117,979	(34,531)	(6,491)	294,124
Net income		-		-	-	23,421	-	-	23,421
Other comprehensive loss		-		-	-	-	-	(3,135)	(3,135)
Exercise of stock options (61,000 shares)		-		-	418	-	-	-	418
Stock-based compensation expense		-		-	402	-	-	-	402
Treasury Stock Purchases (266,753 shares)		-		-	-	-	(3,816)	-	(3,816)
Dividends payable on Series H 3.5% and Series I 3.0% noncumulative perpetual preferred stock		-		-	-	(520)	-	-	(520)
Redemption of Series H Preferred Stock		-		-	(220)	-	-	-	(220)
Cash dividends on common stock ($0.32 per share declared)		-		-	-	(7,864)	-	-	(7,864)
Dividend reinvestment plan		-		-	287	(287)	-	-	-
Stock Purchase Plan		-		-	826	-	-	-	826
Balance at September 30, 2023	$	-	$	-	$218,880	$132,729	$(38,347)	$(9,626)	$303,636
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income (Loss) · Total
Balance at July 1, 2023	$	-	$	-	$218,524	$128,867	$(38,347)	$(9,421)	$299,623
Net income		-		-	-	6,711	-	-	6,711
Other comprehensive loss		-		-	-	-	-	(205)	(205)
Stock-based compensation expense		-		-	185	-	-	-	185
Dividends payable on Series H 3.5% and Series I 3.0% noncumulative perpetual preferred stock		-		-	-	(173)	-	-	(173)
Redemption of Series H Preferred Stock		-		-	(220)	-	-	-	(220)
Cash dividends on common stock ($0.16 per share declared)		-		-	-	(2,584)	-	-	(2,584)
Dividend reinvestment plan		-		-	92	(92)	-	-	-
Stock Purchase Plan		-		-	299	-	-	-	299
Balance at September 30, 2023	$	-	$	-	$218,880	$132,729	$(38,347)	$(9,626)	$303,636

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BCB

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.