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Midas Edge

BCB BANCORP INC

For the period ended Jun 30, 2026. Filed Aug 10, 2026.

View on SEC.gov

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.

Jun 30, 2026 · Filed Aug 10, 2026

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

Consolidated Statements of Operations for the three and six months ended June 30, 2026, 2025 and 2024 (unaudited)

Consolidated Statements of Operations

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

Three Months Ended June 30,Six Months Ended June 30,
202620252024202620252024
Interest and dividend income:
Loans, including fees$35,856$38,650$44,036$71,734$77,577$87,758
Mortgage-backed securities9607652971,7991,326602
Other investment securities1,1131,0571,0062,1032,0251,981
FHLB stock and other interest earning assets2,5322,7094,1065,2276,4458,389
Total interest income40,46143,18149,44580,86387,37398,730
Interest expense:
Deposits:
Demand5,4135,5845,34910,58311,00210,606
Savings and club112217152248368318
Certificates of deposit8,2669,17014,57116,85819,93229,554
13,79114,97120,07227,68931,30240,478
Borrowings3,3255,1085,7346,99210,96411,470
Total interest expense17,11620,07925,80634,68142,26651,948
Net interest income23,34523,10223,63946,18245,10746,782
Provision for credit losses on loans18,9874,8912,43821,77525,7364,526
Net interest income after provision for credit losses on loans4,35818,21121,20124,40719,37142,256
Non-interest (loss) income:
Fees and service charges1,3131,3051,1192,5042,4782,334
BOLI income9177866711,8631,3941,346
(Loss) gain on sales of loans(2,607)-(4,851)(2,600)-(4,806)
Realized and unrealized losses on equity investments(248)(108)(222)(341)(223)(92)
Other155934920521893
Total non-interest (loss) income(470)2,076(3,234)1,6313,867(1,125)
Non-interest expense:
Salaries and employee benefits9,3957,7136,99217,72215,11613,973
Occupancy and equipment2,5622,5022,5295,2865,2255,173
Data processing and communications1,9682,0461,6723,9913,8903,525
Professional fees5627676041,1891,4591,199
Director fees244313254490731531
Regulatory assessments6508049531,4151,5132,095
Advertising and promotional489216253689395469
Other real estate owned, net130--280--
Impairment of goodwill5,253--5,253--
Other8799077301,3681,5991,860
Total non-interest expense22,13215,26813,98737,68329,92828,825
(Loss) Income before income tax provision(18,244)5,0193,980(11,645)(6,690)12,306
Income tax (benefit) provision(3,468)1,4551,163(1,773)(1,930)3,623
Net (Loss) Income$(14,776)$3,564$2,817$(9,872)$(4,760)$8,683
Preferred stock dividends-482448482964882
Net (Loss) Income available to common stockholders$(14,776)$3,082$2,369$(10,354)$(5,724)$7,801
Net (Loss) Income per common share-basic and diluted
Basic$(0.85)$0.18$0.14$(0.60)$(0.33)$0.46
Diluted$(0.85)$0.18$0.14$(0.60)$(0.33)$0.46
Weighted average number of common shares outstanding
Basic17,30617,17517,00517,27317,14416,968
Diluted17,30617,17517,00517,27317,14416,968

Consolidated Statements of Comprehensive Income (Loss)

(In thousands, Unaudited)

Three Months Ended June 30,Six Months Ended June 30,
202620252024202620252024
Net (Loss) Income$(14,776)$3,564$2,817$(9,872)$(4,760)$8,683
Other comprehensive income (loss), net of tax:
Available-for-sale debt securities:
Unrealized holding gains (losses) arising during the period200226(227)(261)1,513(404)
Tax effect(49)(56)5664(373)100
Other comprehensive income (loss), net of tax:151170(171)(197)1,140(304)
Comprehensive (loss) income$(14,625)$3,734$2,646$(10,069)$(3,620)$8,379
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income‎(Loss) · Total
Balance at January 1, 2026$-$-$228,672$116,415$(38,347)$(2,456)$304,284
Net loss---(9,872)--(9,872)
Other comprehensive loss-----(197)(197)
Stock-based compensation expense--474---474
Dividends payable on Series J 8.0% and Series K 6.0% noncumulative perpetual preferred stock---(482)--(482)
Cash dividends on common stock ($0.16 per share declared)---(2,738)--(2,738)
Dividend reinvestment plan--98(98)---
Stock purchase plan--450---450
Balance at June 30, 2026$-$-$229,694$103,225$(38,347)$(2,653)$291,919
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income (Loss) · Total
Balance at April 1, 2026$-$-$229,119$119,412$(38,347)$(2,804)$307,380
Net loss---(14,776)--(14,776)
Other comprehensive income-----151151
Stock-based compensation expense--326---326
Cash dividends on common stock ($0.08 per share declared)---(1,362)--(1,362)
Dividend reinvestment plan--49(49)---
Stock purchase plan--200---200
Balance at June 30, 2026$-$-$229,694$103,225$(38,347)$(2,653)$291,919

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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---(4,760)--(4,760)
Other comprehensive loss-----1,1401,140
Issuance of Series K preferred stock--520---520
Stock-based compensation expense--551---551
Dividends payable on Series J 8.0% and Series K 6.0% noncumulative perpetual preferred stock---(964)--(964)
Cash dividends on common stock ($0.32 per share declared)---(5,347)--(5,347)
Dividend reinvestment plan--155(155)---
Stock Purchase Plan--670---670
Balance at June 30, 2025$-$-$227,554$130,627$(38,347)$(4,099)$315,735
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income (Loss) · Total
Balance at April 1, 2025$-$-$227,047$130,291$(38,347)$(4,269)$314,722
Net income---3,564--3,564
Other comprehensive income-----170170
Stock-based compensation expense--230---230
Dividends payable on Series J 8.0% and Series K 6.0% noncumulative perpetual preferred stock---(482)--(482)
Cash dividends on common stock ($0.16 per share declared)---(2,668)--(2,668)
Dividend reinvestment plan--78(78)---
Stock Purchase Plan--199---199
Balance at June 30, 2025$-$-$227,554$130,627$(38,347)$(4,099)$315,735

‎

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---8,683--8,683
Other comprehensive loss-----(304)(304)
Issuance of Series J preferred stock--3,360---3,360
Stock-based compensation expense--397---397
Dividends payable on Series I 3.0% and Series J 8.0% noncumulative perpetual preferred stock---(882)--(882)
Cash dividends on common stock ($0.32 per share declared)---(5,202)--(5,202)
Dividend reinvestment plan--217(217)---
Stock Purchase Plan--625---625
Balance at June 30, 2024$-$-$228,565$138,309$(38,347)$(7,795)$320,732
Preferred‎Stock · Common‎Stock · Additional‎Paid-In‎Capital · Retained‎Earnings · Treasury‎Stock · Accumulated‎Other‎Comprehensive‎Income (Loss) · Total
Balance at April 1, 2024$-$-$227,459$138,643$(38,347)$(7,624)$320,131
Net income---2,817--2,817
Other comprehensive loss-----(171)(171)
Issuance of Series J preferred stock--670---670
Stock-based compensation expense--202---202
Dividends payable on Series I 3.0% and Series J 8.0% noncumulative perpetual preferred stock---(448)--(448)
Cash dividends on common stock ($0.16 per share declared)---(2,594)--(2,594)
Dividend reinvestment plan--109(109)---
Stock Purchase Plan--125---125
Balance at June 30, 2024$-$-$228,565$138,309$(38,347)$(7,795)$320,732

‎

BCB

ContentsView on SEC.gov

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