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BCB Bancorp (BCBP) investor relations material
BCB Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Total assets decreased 6.1% to $3.38 billion at June 30, 2025, mainly due to lower net loans and cash balances.
Net loss of $4.8 million for the first half of 2025, with Q2 net income of $3.6 million reversing an $8.3 million Q1 loss.
Allowance for credit losses increased to $50.7 million, or 1.74% of gross loans, reflecting higher provisioning, especially for cannabis and Business Express portfolios.
Deposits declined 3.2% to $2.66 billion, with brokered and transaction accounts down, partially offset by increases in other deposit categories.
Stockholders' equity fell 2.5% to $315.7 million, mainly due to the Q1 loss and lower retained earnings.
Financial highlights
Net interest margin rose to 2.80% in Q2 2025 from 2.60% in Q2 2024, with net interest income for Q2 at $23.1 million, down year-over-year.
Interest income fell 12.7% to $43.2 million for Q2 2025; interest expense decreased by $5.7 million.
Non-interest income rose by $5.3 million to $2.1 million in Q2 2025, mainly due to the absence of prior year loan sale losses.
Non-interest expense increased 9.2% to $15.3 million in Q2 2025, driven by higher salaries and data processing costs.
Provision for credit losses was $25.7 million for the first half of 2025, with $4.9 million in Q2, down from $20.8 million in Q1.
Outlook and guidance
Management expects medium- to long-term profitability to improve as asset quality challenges are addressed.
Aggressive provisioning and credit actions have depressed short-term results but are expected to support future stability.
The cannabis loan portfolio, at $103 million, poses increased credit risk and may require further reserves if industry challenges persist.
The company expects to have sufficient liquidity and funding to meet commitments through typical sources.
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