BCBP on Nasdaq
BCB BANCORP INC
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, including fees | $154.2M | $172.0M | $169.6M |
| Mortgage-backed securities | $2.9M | $1.4M | $880.0K |
| Other investment securities | $4.1M | $4.0M | $4.2M |
| FHLB stock dividends and other interest-earning assets | $11.8M | $16.6M | $13.7M |
| Total interest and dividend income | $173.0M | $194.0M | $188.4M |
| Demand | $21.8M | $22.2M | $16.9M |
| Savings and club | $814.0K | $620.0K | $620.0K |
| Certificates of deposit | $38.5M | $55.4M | $39.2M |
| Total deposits | $61.1M | $78.2M | $56.7M |
| Borrowings | $18.8M | $23.8M | $27.6M |
| Total interest expense | $79.9M | $102.0M | $84.3M |
| Net interest income | $93.0M | $92.0M | $104.1M |
| Provision for credit losses | $42.0M | $11.6M | $6.1M |
| Net interest income after provision for credit losses | $51.0M | $80.5M | $98.0M |
| Fees and service charges | $5.0M | $4.7M | $5.3M |
| BOLI income | $3.3M | $2.6M | $1.8M |
| (Loss) gain on sales of loans | $29.0K | -$5.3M | $36.0K |
| Gain on sales of other real estate owned | $77.0K | ||
| Realized and unrealized (loss) gain on equity investments | -$300.0K | $379.0K | -$3.4M |
| Other | $538.0K | $536.0K | $251.0K |
| Total non-interest income | $8.6M | $2.9M | $4.1M |
| Salaries and employee benefits | $31.4M | $28.2M | $30.8M |
| Occupancy and equipment | $10.4M | $10.2M | $10.3M |
| Data processing service fees | $7.9M | $7.0M | $7.0M |
| Professional fees | $3.1M | $2.4M | $2.7M |
| Director fees | $1.4M | $1.2M | $1.1M |
| Regulatory assessments | $3.3M | $3.5M | $3.6M |
| Advertising and promotional | $1.1M | $863.0K | $1.3M |
| Other real estate owned, net | $15.1M | $7.0K | |
| Other | $4.2M | $3.7M | $3.7M |
| Total non-interest expense | $77.9M | $57.1M | $60.6M |
| (Loss) Income before income tax (benefit) provision | -$18.3M | $26.3M | $41.5M |
| Income tax (benefit) provision | -$5.8M | $7.6M | $12.0M |
| Net (Loss) Income | -$12.5M | $18.6M | $29.5M |
| Preferred stock dividends | $1.9M | $1.8M | $702.0K |
| Net (Loss) Income available to common stockholders | -$14.5M | $16.8M | $28.8M |
| Basic | -$0.84 | $0.99 | $1.71 |
| Diluted | -$0.84 | $0.99 | $1.70 |
| Basic | 17.2M shares | 17.0M shares | 16.9M shares |
| Diluted | 17.2M shares | 17.0M shares | 16.9M shares |
Every line of the balance sheet in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and amounts due from depository institutions | $13.8M | $14.1M | |
| Interest-earning deposits | $262.8M | $303.2M | |
| Total cash and cash equivalents | $276.6M | $317.3M | $279.5M |
| Interest-earning time deposits | $735.0K | $735.0K | |
| Debt securities available for sale, at fair value (amortized cost of $129,646) | $126.4M | $101.7M | |
| Equity investments, at fair value (amortized cost of $108,590) | $9.2M | $9.5M | |
| Loans receivable, net of allowance for credit losses of $33,691 and $34,789, respectively | $2.7B | $3.0B | |
| Federal Home Loan Bank of New York stock, at cost | $14.2M | $24.3M | |
| Premises and equipment, net | $12.1M | $12.6M | |
| Accrued interest receivable | $13.8M | $15.2M | |
| Other real estate owned | $5.0M | ||
| Deferred income taxes | $22.2M | $17.2M | |
| Goodwill and other intangibles | $5.3M | $5.3M | |
| Operating lease right-of-use assets | $10.7M | $12.7M | |
| "Bank-owned life insurance (""BOLI"")" | $79.4M | $76.0M | |
| Other assets | $12.9M | $10.5M | |
| Total Assets | $3.3B | $3.6B | |
| Non-interest-bearing deposits | $531.1M | $520.4M | |
| Interest bearing deposits | $2.1B | $2.2B | |
| Total deposits | $2.7B | $2.8B | |
| FHLB Advances | $235.0M | $455.4M | |
| Subordinated debentures | $43.2M | $43.0M | |
| Operating lease liability | $11.1M | $13.1M | |
| Other liabilities | $12.3M | $12.9M | |
| Total Liabilities | $3.0B | $3.3B | |
| Additional paid-in capital preferred stock | $25.2M | $24.7M | |
| Additional paid-in capital common stock | $203.4M | $200.9M | |
| Retained earnings | $116.4M | $141.9M | |
| Accumulated other comprehensive loss | -$2.5M | -$5.2M | |
| Treasury stock, at cost, 3,233,971 and 3,233,971 shares at December 31, 2025 and December 31, 2024, respectively | -$38.3M | -$38.3M | |
| Total Stockholders' Equity | $304.3M | $323.9M | $314.1M |
| Total Liabilities and Stockholders' Equity | $3.3B | $3.6B | |
| Debt securities, amortized cost | $129.6M | $108.6M | |
| Equity investments, amortized cost | $108.6M | ||
| Loans receivable, net of allowance for credit losses | $33.7M | $34.8M | $33.6M |
| Preferred stock, par value per share | $0.01 | $0.01 | |
| Preferred stock, shares authorized | 10.0M shares | 10.0M shares | |
| Preferred stock, shares outstanding | 2.5K shares | 2.5K shares | 2.5K shares |
| Common stock, no par value | $0 | $0 | |
| Common stock, shares authorized | 40.0M shares | 40.0M shares | |
| Common stock, shares issued | 20.5M shares | 20.3M shares | |
| Common stock, shares outstanding | 17.3M shares | 17.1M shares | 16.9M shares |
| Treasury stock, shares | 3.2M shares | 3.2M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net (loss) income | -$12.5M | $18.6M | $29.5M |
| Depreciation of premises and equipment | $1.6M | $1.7M | $2.0M |
| Amortization and accretion, net | -$592.0K | -$1.5M | -$2.5M |
| Provision for credit losses | $42.0M | $11.6M | $6.1M |
| Deferred income tax (benefit) expense | -$5.9M | $258.0K | -$2.5M |
| Loans originated for sale | -$1.7M | -$4.9M | -$3.0M |
| Proceeds from sale of loans | $1.7M | $40.1M | $2.4M |
| Gain (loss) on sales of loans | -$29.0K | $5.3M | -$36.0K |
| OREO valuation allowance | $15.1M | ||
| Gain on sales of fixed asset | -$4.0K | ||
| Realized and unrealized loss (gain) on equity investments | $300.0K | -$379.0K | $3.4M |
| Gain from sales of other real estate owned | -$77.0K | ||
| Increase in cash surrender value of BOLI | -$3.3M | -$2.6M | -$1.8M |
| Stock-based compensation expense | $1.0M | $767.0K | $593.0K |
| Net change in accrued interest receivable | $1.3M | $896.0K | -$2.6M |
| Net change in other assets | -$2.5M | -$48.0K | -$890.0K |
| Net change in accrued interest payable | -$1.1M | -$582.0K | $2.7M |
| Net change in other liabilities | $598.0K | -$1.5M | $2.0M |
| Net Cash Provided by Operating Activities | $35.9M | $67.7M | $35.2M |
| Proceeds from repayments, calls, and maturities on securities | $41.2M | $3.8M | $14.7M |
| Purchases of securities | -$62.3M | -$15.2M | -$12.5M |
| Proceeds from sales of securities | $5.2M | ||
| Proceeds from sales of premises | $4.0K | ||
| Proceeds from sales of other real estate owned | $152.0K | ||
| Proceeds from sale of loans held in portfolio | $6.1M | ||
| Net decrease (increase) in loans receivable | $244.4M | $228.7M | -$231.6M |
| Additions to premises and equipment | -$1.0M | -$1.2M | -$4.5M |
| Redemption (purchase) of Federal Home Loan Bank of New York stock | $10.1M | $645.0K | -$4.8M |
| Net Cash Provided by (Used In) Investing Activities | $232.4M | $222.8M | -$233.3M |
| Net (decrease) increase in deposits | -$77.3M | -$228.2M | $167.5M |
| Proceeds from Federal Home Loan Bank of New York Long Term Advances | $400.0M | ||
| Repayments Federal Home Loan Bank of New York Long Term Advances | -$220.8M | -$18.0M | -$150.0M |
| Net change in Federal Home Loan Bank of New York Short Term Advances | -$160.0M | ||
| Purchase of treasury stock | -$3.8M | ||
| Cash dividends paid on common stock | -$10.6M | -$10.4M | -$10.4M |
| Cash dividends paid on preferred stock | -$1.9M | -$1.8M | -$702.0K |
| Net proceeds from issuance of common stock | $1.1M | $824.0K | $1.4M |
| Net proceeds from issuance of preferred stock | $520.0K | $9.7M | $15.3M |
| Payments for redemption of preferred stock | -$10.0M | -$11.2M | |
| Net proceeds from issuance of subordinated debt | $38.8M | ||
| Net payment from redemption of subordinated debt | -$33.5M | ||
| Exercise of stock options | $418.0K | ||
| Net Cash (Used in) Provided by Financing Activities | -$309.0M | -$252.7M | $248.3M |
| Net (Decrease) Increase in Cash and Cash Equivalents | -$40.7M | $37.8M | $50.2M |
| Cash paid for income taxes, net of refunds | $1.8M | $6.9M | $18.0M |
| Cash paid for interest | $81.1M | $102.6M | $81.6M |
| Loans transferred to Other Real Estate Owned | $20.1M |
Recent filings
- Oct 13, 20263
- Oct 13, 20263
- Oct 13, 20263
- Oct 9, 2026DEF 14A
- Oct 7, 20268-K
- Sep 30, 2026SCHEDULE 13G
- Sep 25, 20268-K
- Sep 22, 20264
- Sep 22, 20264
- Sep 18, 20268-K
- Sep 17, 20268-K
- Sep 17, 2026FWP
- Sep 17, 2026424B5
- Sep 16, 2026424B5
- Sep 16, 2026FWP
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1SEC EDGARBCB BANCORP INC filings on SEC EDGAR
- 2SEC EDGARBCB BANCORP INC filings on SEC EDGAR
- 3SEC EDGARBCB BANCORP INC 10-K for fiscal 2019
- 4SEC EDGARBCB BANCORP INC 10-K for fiscal 2020
- 5SEC EDGARBCB BANCORP INC 10-K for fiscal 2021
- 6SEC EDGARBCB BANCORP INC 10-K for fiscal 2022
- 7SEC EDGARBCB BANCORP INC 10-K for fiscal 2023
- 8SEC EDGARBCB BANCORP INC 10-Q for fiscal 2026
- 9SEC EDGARBCB BANCORP INC 10-Q for fiscal 2026
- 10SEC EDGARBCB BANCORP INC 10-K for fiscal 2021