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Visual21 Nov 2025
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BCB Bancorp (BCBP) investor relations material
BCB Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.3 million, up from $3.6 million in Q2 2025 but down from $6.7 million in Q3 2024, due to increased credit loss provisioning and higher non-interest expense.
Total assets decreased 6.8% to $3.353 billion at September 30, 2025, mainly due to declines in net loans and cash equivalents.
Net loss of $498,000 for the nine months ended September 30, 2025, compared to net income of $15.4 million for the same period in 2024, driven by higher loan loss provisions.
EPS for Q3 2025 was $0.22, compared to $0.18 in Q2 2025 and $0.36 in Q3 2024.
Total deposits at September 30, 2025 were $2.687 billion, up from $2.662 billion at June 30, 2025.
Financial highlights
Net interest income for Q3 2025 was $23.7 million, up 2.9% year-over-year; net interest margin rose to 2.88% from 2.58%.
Provision for credit losses was $4.1 million in Q3 2025, up from $2.9 million in Q3 2024; $29.8 million for the nine months, up from $7.4 million.
Non-interest income for the nine months increased by $4.6 million to $6.6 million, mainly due to higher BOLI and service fees.
Non-interest expense for Q3 2025 was $16.6 million, up 19.0% year-over-year; for the nine months, it rose 8.8% to $46.5 million, primarily from higher salaries, data processing, and professional fees.
Net charge-offs in Q3 2025 were $16.9 million, including a $12.7 million cannabis-related charge-off; $26.8 million for the nine months ended September 30, 2025, up from $6.3 million in 2024.
Outlook and guidance
Management believes credit quality headwinds are temporary and maintains a positive long-term earnings outlook.
The company expects to have sufficient liquidity and funding to meet commitments through typical sources.
Management remains focused on optimizing the balance sheet and managing funding costs.
Continued proactive approach to asset quality and loan loss provisioning.
Cannabis loan portfolio risk outlook?
Adequacy of ACL for non-accrual loans?
Sustainability of NIM expansion?
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Next BCB Bancorp earnings date
Q4 202528 Jan, 2026
Next BCB Bancorp earnings date
Q4 202528 Jan, 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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