BCB BANCORP INC

Listed Company

BCBPCIK 0001228454NasdaqAcceleratedSmaller ReportingSavings Institution, Federally CharteredNew JerseyFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$-12.53M

Total Assets

$3.28B

Equity

$304.28M

Shares Out

17.36M

Op. Cash Flow

$35.92M

Business

BCB BANCORP INC is the bank holding company and parent of BCB Community Bank that provides community-focused commercial banking and financial services. It offers lending products including commercial and multi-family real estate loans, one-to-four family mortgages, construction, home equity, SBA, commercial business and consumer loans; FDIC-insured deposit products; and retail and commercial services such as online and mobile banking, debit cards, wire transfers and ATM services. The company operates through the Parent holding company, its banking subsidiary and several non-bank affiliates for investment and asset management. The Bank distributes products through a network of branch offices across multiple New Jersey communities and select New York branches, ATMs, correspondent relationships and digital channels.

Summary from filing dated 2025-03-07

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	154	172	170	124	108
Mortgage-backed securities	3	1	880,000	564,000	680,000
Other investment securities	4	4	4	4	3
FHLB stock dividends and other interest-earning assets	12	17	14	3	959,000
Total interest and dividend income	173	194	188	131	113
Demand	22	22	17	5	4
Savings and club	814,000	620,000	620,000	449,000	505,000
Certificates of deposit	39	55	39	7	6
Total deposits	61	78	57	13	11
Borrowings	19	24	28	5	4
Total interest expense	80	102	84	17	—
Net interest income	93	92	104	114	97
Provision for credit losses	42	12	6	−3	4
Net interest income after provision for credit losses	51	80	98	117	94
Fees and service charges	5	5	5	5	4
BOLI income	3	3	2	3	3
(Loss) gain on sales of loans	29,000	−5	36,000	129,000	667,000
Gain on sales of other real estate owned	—	—	77,000	—	11,000
Realized and unrealized (loss) gain on equity investments	−300,000	379,000	−3	−6	147,000
Other	538,000	536,000	251,000	248,000	639,000
Total non-interest income	9	3	4	2	9
Salaries and employee benefits	31	28	31	28	26
Occupancy and equipment	10	10	10	11	11
Data processing service fees	8	7	7	6	6
Professional fees	3	2	3	4	2
Director fees	1	1	1	1	1
Regulatory assessments	3	4	4	1	1
Advertising and promotional	1	863,000	1	941,000	554,000
Other real estate owned, net	15	—	7,000	10,000	35,000
Other	4	4	4	4	4
Total non-interest expense	78	57	61	56	54
(Loss) Income before income tax (benefit) provision	−18	26	41	63	48
Income tax (benefit) provision	−6	8	12	18	14
Net (Loss) Income	−13	19	29	46	34
Preferred stock dividends	2	2	702,000	796,000	1
Net (Loss) Income available to common stockholders	−14	17	29	45	33
Basic (per share)	−0.84	0.99	1.71	2.64	1.94
Diluted (per share)	−0.84	0.99	1.7	2.58	1.92
Basic (shares)	17	17	17	17	17
Diluted (shares)	17	17	17	17	17

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and amounts due from depository institutions	14	14	17	12	10
Interest-earning deposits	263	303	263	218	402
Total cash and cash equivalents	277	317	280	229	412
Interest-earning time deposits	735,000	735,000	735,000	735,000	735,000
Debt securities available for sale, at fair value (amortized cost of $129,646)	126	102	88	92	85
Equity investments, at fair value (amortized cost of $108,590)	9	9	9	18	25
Loans receivable, net of allowance for credit losses of $33,691 and $34,789, respectively	2,691	2,996	3,280	3,045	—
Federal Home Loan Bank of New York stock, at cost	14	24	25	20	6
Premises and equipment, net	12	13	13	11	12
Accrued interest receivable	14	15	16	13	9
Other real estate owned	5	—	—	75,000	75,000
Deferred income taxes	22	17	18	16	13
Goodwill and other intangibles	5	5	5	5	5
Operating lease right-of-use assets	11	13	13	14	12
"Bank-owned life insurance (""BOLI"")"	79	76	73	72	72
Other assets	13	10	10	10	8
Total Assets	3,279	3,599	3,832	3,546	2,968
Non-interest-bearing deposits	531	520	536	614	588
Interest bearing deposits	2,142	2,230	2,443	2,198	1,973
Total deposits	2,674	2,751	2,979	2,812	2,561
FHLB Advances	235	455	473	382	72
Subordinated debentures	43	43	38	38	37
Operating lease liability	11	13	13	14	13
Other liabilities	12	13	16	10	10
Total Liabilities	2,975	3,275	3,518	3,255	2,694
COMMITMENTS AND CONTINGENCIES - SEE NOTE 17	—	—	—	—	—
Preferred stock: $0.01 par value, 10,000,000 shares authorized; issued and outstanding 2,548 shares of Series J 8.0% and Series K 6.0% (liquidation value $10,000 per share) noncumulative perpetual preferred stock at December 31, 2025 and 2,496 shares of Series J 8.0% and Series K 6.0% (liquidation value $10,000 per share) noncumulative perpetual preferred stock at December 31, 2024	—	—	—	—	—
Additional paid-in capital preferred stock	25	25	25	21	29
Common stock: no par value; 40,000,000 shares authorized, issued 20,508,183 and 20,296,748 at December 31, 2025 and December 31, 2024, respectively, outstanding 17,274,212 shares and 17,062,777 shares, at December 31, 2025 and December 31, 2024, respectively	—	—	—	—	—
Additional paid-in capital common stock	203	201	199	196	194
Retained earnings	116	142	136	115	81
Accumulated other comprehensive loss	−2	−5	−7	−6	1
Treasury stock, at cost, 3,233,971 and 3,233,971 shares at December 31, 2025 and December 31, 2024, respectively	−38	−38	−38	−35	−31
Total Stockholders' Equity	304	324	314	291	274
Total Liabilities and Stockholders' Equity	3,279	3,599	3,832	3,546	2,968

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation of premises and equipment	2	2	2	2	3
Amortization and accretion, net	−592,000	−1	−3	−2	−767,000
Deferred income tax (benefit) expense	−6	258,000	−3	−1	−975,000
Loans originated for sale	−2	−5	−3	−7	−26
Proceeds from sale of loans	2	40	2	7	29
OREO valuation allowance	15	—	—	—	6,000
Gain on sales of fixed asset	—	−4,000	—	—	—
Stock-based compensation expense	1	767,000	593,000	1	417,000
Net change in accrued interest receivable	1	896,000	−3	−4	4
Net change in other assets	−2	−48,000	−890,000	−2	1
Net change in accrued interest payable	−1	−582,000	3	2	−412,000
Net change in other liabilities	598,000	−2	2	−2	3
Net Cash Provided by Operating Activities	36	68	35	41	46
Proceeds from repayments, calls, and maturities on securities	41	4	15	10	33
Purchases of securities	−62	−15	−12	−27	−26
Proceeds from sales of securities	—	—	5	1	—
Proceeds from sales of premises	—	4,000	—	—	—
Proceeds from sales of other real estate owned	—	—	152,000	—	425,000
Proceeds from sale of loans held in portfolio	—	6	—	—	3
Net decrease (increase) in loans receivable	244	229	−232	−734	−15
Additions to premises and equipment	−1	−1	−5	−518,000	−325,000
Redemption (purchase) of Federal Home Loan Bank of New York stock	10	645,000	−5	−14	5
Net Cash Provided by (Used In) Investing Activities	232	223	−233	−762	−8
Net (decrease) increase in deposits	−77	−228	167	250	243
Proceeds from Federal Home Loan Bank of New York Long Term Advances	—	—	400	150	10
Repayments Federal Home Loan Bank of New York Long Term Advances	−221	−18	−150	—	−130
Net change in Federal Home Loan Bank of New York Short Term Advances	—	—	−160	160	—
Purchase of treasury stock	—	—	−4	−3	−4
Cash dividends paid on common stock	−11	−10	−10	−10	−10
Cash dividends paid on preferred stock	−2	−2	−702,000	−796,000	−1
Net proceeds from issuance of common stock	1	824,000	1	419,000	478,000
Net proceeds from issuance of preferred stock	520,000	10	15	7	3
Payments for redemption of preferred stock	—	−10	−11	−15	—
Net proceeds from issuance of subordinated debt	—	39	—	—	—
Net payment from redemption of subordinated debt	—	−34	—	—	—
Exercise of stock options	—	—	418,000	220,000	287,000
Net Cash (Used in) Provided by Financing Activities	−309	−253	248	538	112
Net (Decrease) Increase in Cash and Cash Equivalents	−41	38	50	−182	150
Cash paid for income taxes, net of refunds	2	7	18	19	12
Cash paid for interest	81	103	82	15	16
Loans transferred to Other Real Estate Owned	20	—	—	—	81,000

Filings

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