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BCB Bancorp
BCB Bancorp (BCBP) investor relations material
BCB Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Reported net loss of $12.0 million for Q4 2025, compared to net income of $4.3 million in Q3 2025 and $3.3 million in Q4 2024.
Loss per diluted share was ($0.73) versus $0.22 in Q3 2025 and $0.16 in Q4 2024.
Board declared a quarterly cash dividend of $0.08 per share, down from previous quarters.
Results impacted by a $15.1 million pre-tax write-down on a cannabis-related REO property and $16.3 million in net charge-offs, mainly in the C&I loan portfolio.
Financial highlights
Net interest margin rose to 3.03% in Q4 2025 from 2.88% in Q3 2025 and 2.53% in Q4 2024.
Total deposits were $2.674 billion at year-end, down 2.8% year-over-year.
Total assets decreased by 8.9% year-over-year to $3.28 billion, mainly due to reductions in cash and loans.
Net interest income for Q4 2025 was $24.2 million, up 9.1% year-over-year.
Non-interest expense surged 118.5% year-over-year to $31.4 million, driven by the REO write-down.
Provision for credit losses was $12.2 million in Q4 2025, up from $4.2 million in Q4 2024.
Outlook and guidance
Management expects improved resilience entering 2026 after proactive asset quality and capital actions in 2025.
Board prioritizes long-term shareholder value and disciplined capital allocation.
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Next BCB Bancorp earnings date
Q1 202621 Apr, 2026
BCB Bancorp
Next BCB Bancorp earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
BCB Bancorp Inc. is a bank holding company that operates through its subsidiary, BCB Community Bank. The bank provides a range of financial services to individuals, businesses, and municipalities. Its offerings include personal and commercial banking products such as checking and savings accounts, mortgages, business loans, and lines of credit. In addition to traditional banking services, BCB Community Bank provides treasury management, cash management, and online banking solutions, catering to small and medium-sized enterprises (SMEs) and local communities. The company is headquartered in Bayonne, New Jersey, and its shares are listed on the Nasdaq.
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