BCB BANCORP INC

For the period ended Mar 31, 2026. Filed May 1, 2026.

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.

Mar 31, 2026 · Filed May 1, 2026

BCBP$9.17+0.4%Stored close · as of Nov 6, 2026

See the whole filing, with its images and exhibits

Contents

Consolidated Statements of Operations for the three months ended March 31, 2026, 2025 and 2024 (unaudited)

Consolidated Statements of Operations

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

	Three Months Ended March 31,
	2026	2025	2024
Interest and dividend income:
Loans, including fees	$35,878	$38,927	$43,722
Mortgage-backed securities	839	561	305
Other investment securities	990	968	975
FHLB stock and other interest-earning assets	2,695	3,736	4,283
Total interest and dividend income	40,402	44,192	49,285
Interest expense:
Deposits:
Demand	5,170	5,418	5,257
Savings and club	136	151	166
Certificates of deposit	8,592	10,762	14,983
	13,898	16,331	20,406
Borrowings	3,667	5,856	5,736
Total interest expense	17,565	22,187	26,142
Net interest income	22,837	22,005	23,143
Provision for credit losses on loans	2,788	20,845	2,088
Net interest income after provision for credit losses on loans	20,049	1,160	21,055
Non-interest income:
Fees and service charges	1,191	1,173	1,215
BOLI income	946	608	675
Gain on sales of loans	7	-	45
Gain on sale of fixed asset	-	-	4
Realized and unrealized gains (losses) on equity investments	(93)	(115)	130
Other	50	125	40
Total non-interest income	2,101	1,791	2,109
Non-interest expense:
Salaries and employee benefits	8,327	7,403	6,981
Occupancy and equipment	2,724	2,723	2,644
Data processing and communications	2,023	1,844	1,853
Professional fees	627	692	595
Director fees	246	418	277
Regulatory assessments	765	709	1,142
Advertising and promotional	200	179	216
Other real estate owned, net	150	-	-
Other	489	692	1,130
Total non-interest expense	15,551	14,660	14,838
Income (Loss) before income tax provision	6,599	(11,709)	8,326
Income tax provision (benefit)	1,695	(3,385)	2,460
Net Income (Loss)	$4,904	$(8,324)	$5,866
Preferred stock dividends	482	482	434
Net Income (Loss) available to common stockholders	$4,422	$(8,806)	$5,432
Net Income (Loss) per common share-basic and diluted
Basic	$0.26	$(0.51)	$0.32
Diluted	$0.26	$(0.51)	$0.32
Weighted average number of common shares outstanding
Basic	17,314	17,113	16,930
Diluted	17,314	17,113	16,939

Consolidated Statements of Comprehensive Income (Loss)

(In thousands, Unaudited)

	Three Months Ended March 31,
	2026	2025	2024
Net Income (Loss)	$4,904	$(8,324)	$5,866
Other comprehensive (loss) income, net of tax:
Available-for-sale debt securities:
Unrealized holding (losses) gains arising during the period	(461)	1,287	(177)
Tax effect	113	(317)	44
Other comprehensive (loss) income	(348)	970	(133)
Comprehensive income (loss)	$4,556	$(7,354)	$5,733

Consolidated Statements of Changes in Stockholders’ Equity

(In thousands, Except Share and Per Share Data, Unaudited)

Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · AccumulatedOtherComprehensiveLoss · Total
Balance at January 1, 2026	$	-	$	-	$228,672	$116,415	$(38,347)	$(2,456)	$304,284
Net income		-		-	-	4,904	-	-	4,904
Other comprehensive loss		-		-	-	-	-	(348)	(348)
Stock-based compensation expense		-		-	148	-	-	-	148
Dividends payable on Series J 8.0% and Series K 6.0% noncumulative perpetual preferred stock		-		-	-	(482)	-	-	(482)
Cash dividends on common stock ($0.08 per share declared)		-		-	-	(1,376)	-	-	(1,376)
Dividend reinvestment plan		-		-	49	(49)	-	-	-
Stock Purchase Plan		-		-	250	-	-	-	250
Balance at March 31, 2026	$	-	$	-	$229,119	$119,412	$(38,347)	$(2,804)	$307,380
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · AccumulatedOtherComprehensive Loss · Total
Balance at January 1, 2025	$	-	$	-	$225,658	$141,853	$(38,347)	$(5,239)	$323,925
Net loss		-		-	-	(8,324)	-	-	(8,324)
Other comprehensive income		-		-	-	-	-	970	970
Issuance of Series J Preferred Stock		-		-	520	-	-	-	520
Stock-based compensation expense		-		-	321	-	-	-	321
Dividends payable on Series I 3.0% and Series J 8.0% noncumulative perpetual preferred stock		-		-	-	(482)	-	-	(482)
Cash dividends on common stock ($0.16 per share declared)		-		-	-	(2,679)	-	-	(2,679)
Dividend reinvestment plan		-		-	77	(77)	-	-	-
Stock Purchase Plan		-		-	471	-	-	-	471
Balance at March 31, 2025	$	-	$	-	$227,047	$130,291	$(38,347)	$(4,269)	$314,722
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Loss · Total
Balance at January 1, 2024	$	-	$	-	$223,966	$135,927	$(38,347)	$(7,491)	$314,055
Net income		-		-	-	5,866	-	-	5,866
Other comprehensive loss		-		-	-	-	-	(133)	(133)
Issuance of Series J Preferred Stock		-		-	2,690	-	-	-	2,690
Stock-based compensation expense		-		-	195	-	-	-	195
Dividends payable on Series I 3.0% and Series J 8.0% noncumulative perpetual preferred stock		-		-	-	(434)	-	-	(434)
Cash dividends on common stock ($0.16 per share declared)		-		-	-	(2,608)	-	-	(2,608)
Dividend reinvestment plan		-		-	108	(108)	-	-	-
Stock Purchase Plan		-		-	500	-	-	-	500
Balance at March 31, 2024	$	-	$	-	$227,459	$138,643	$(38,347)	$(7,624)	$320,131

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BCB

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