--- title: "BCB Bancorp | 8-K: FY2025 Q4 Revenue: USD 26.17 M" type: "News" locale: "en" url: "https://longbridge.com/en/news/274357519.md" datetime: "2026-01-30T21:18:21.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/274357519.md) - [en](https://longbridge.com/en/news/274357519.md) - [zh-HK](https://longbridge.com/zh-HK/news/274357519.md) --- # BCB Bancorp | 8-K: FY2025 Q4 Revenue: USD 26.17 M Revenue: As of FY2025 Q4, the actual value is USD 26.17 M. EPS: As of FY2025 Q4, the actual value is USD -0.73, beating the estimate of USD -0.88. EBIT: As of FY2025 Q4, the actual value is USD -41.64 M. ### Fourth Quarter 2025 Financial Performance #### Net Income/Loss BCB Bancorp, Inc. reported a net loss of - $12.0 million for the fourth quarter of 2025, a decrease from net income of $4.3 million in the third quarter of 2025 and $3.3 million in the fourth quarter of 2024. The loss per diluted share was - $0.73, compared to earnings per diluted share of $0.22 in the preceding quarter and $0.16 in the fourth quarter of 2024. Net loss available to common stockholders was - $12,511 thousand for Q4 2025, compared to net income of $2,797 thousand for Q4 2024. This decrease was primarily due to a $15.1 million charge on an OREO property and $8.0 million more in credit loss provisioning, partially offset by $6.7 million less in income tax provisioning and $2.0 million more in net interest income. #### Net Interest Income Net interest income increased by 9.1% to $24.223 million for the fourth quarter of 2025, up from $22.194 million for the fourth quarter of 2024. Sequentially, it increased by 2.2% from $23.711 million in Q3 2025. #### Non-interest Income Non-interest income increased by $1.0 million, or 107.1%, to $1.943 million in Q4 2025 from $938 thousand in Q4 2024. This increase was mainly driven by a $562 thousand increase in gains on sale of loans, a $365 thousand increase in BOLI income, and $234 thousand less in realized and unrealized losses on equity investments. #### Non-interest Expense Non-interest expense significantly increased by $17.0 million, or 118.5%, to $31.385 million in Q4 2025 compared to $14.367 million in Q4 2024, primarily due to REO property expenses of $15.1 million related to the write-down of a cannabis-related REO property. #### Provision for Credit Losses The provision for credit losses was $12.195 million in Q4 2025, a substantial increase from $4.080 million in Q3 2025 and $4.154 million in Q4 2024. #### Net Interest Margin The net interest margin increased to 3.03% for Q4 2025, up from 2.88% in Q3 2025 and 2.53% in Q4 2024, attributed to a decrease in the cost of interest-bearing liabilities, slightly offset by a decrease in the yield on interest-earning assets. #### Efficiency Ratio The efficiency ratio for Q4 2025 was 120.0%, significantly higher than 62.6% in the prior quarter and 62.1% in Q4 2024. #### Returns - **Annualized Return on Average Assets**: -1.44% for Q4 2025, compared to 0.50% in Q3 2025 and 0.36% in Q4 2024. - **Annualized Return on Average Equity**: -15.0% for Q4 2025, compared to 5.4% in Q3 2025 and 4.0% in Q4 2024. ### Year-to-Date 2025 Financial Performance #### Net Income/Loss BCB Bancorp, Inc. reported a net loss of - $12.5 million for the twelve months ended December 31, 2025, a decrease from earnings of $18.6 million for the same period in 2024. The net loss available to common stockholders was - $14,456 thousand for YTD 2025, compared to net income of $16,791 thousand for YTD 2024. This decline was primarily driven by a $30.4 million higher provision for loan loss expense and $20.8 million higher non-interest expense, partially offset by a $13.4 million lower tax provision, $5.6 million higher non-interest income, and $1.0 million higher net interest income. #### Net Interest Income Net interest income increased by 1.1% to $93.041 million for the twelve months ended December 31, 2025, from $92.021 million for the same period in 2024. #### Non-interest Income Non-interest income increased by $5.6 million, or 191.0%, to $8.555 million for YTD 2025 from $2.940 million for YTD 2024, largely due to the Bank recording a loss on sale of loans of - $5.3 million in 2024, as well as increases in BOLI and fees and service charges in 2025. #### Non-interest Expense Non-interest expense increased by $20.8 million, or 36.3%, to $77.883 million for YTD 2025 from $57.121 million for YTD 2024. This was primarily due to a one-time $15.1 million expense on the cannabis-related REO property and a $3.2 million increase in salaries and employee benefits. #### Provision for Credit Losses The provision for credit losses increased significantly from $11.570 million for YTD 2024 to $42.011 million for YTD 2025. #### Net Interest Margin Net interest margin increased to 2.82% for YTD 2025, compared to 2.55% for YTD 2024, due to a decrease in the cost of interest-bearing liabilities. ### Balance Sheet and Asset Quality #### Total Assets Total assets decreased by $319.7 million, or 8.9%, to $3.279 billion at December 31, 2025, from $3.599 billion at December 31, 2024, mainly driven by decreases in cash and cash equivalents and net loans as part of a strategic initiative to enhance capital ratios. #### Total Deposits Total deposits decreased by $77.3 million, or 2.8%, to $2.674 billion at December 31, 2025, from $2.751 billion at December 31, 2024. #### Loans Receivable, Net Loans receivable, net, decreased by $305.2 million, or 10.2%, to $2.691 billion at December 31, 2025, from $2.996 billion at December 31, 2024, due to loan sales, payoffs, paydowns, and charge-offs. #### Non-Accrual Loans Non-accrual loans totaled $63.3 million, or 2.32% of gross loans, at December 31, 2025, down from $93.5 million at September 30, 2025, but up from $44.7 million, or 1.48% of gross loans, at December 31, 2024. The sequential decline was due to favorable resolution of non-accrual loans. #### Allowance for Credit Losses (ACL) The ACL was $33.7 million, or 1.24% of gross loans, at December 31, 2025, compared to $34.8 million, or 1.15% of gross loans, at December 31, 2024. ACL as a percentage of non-accrual loans was 53.3% at December 31, 2025, compared to 77.8% at December 31, 2024. #### Net Charge-offs Net charge-offs were $16.3 million in Q4 2025, primarily within the C&I loan portfolio, compared to $4.1 million in Q4 2024. For the full year 2025, net charge-offs were $43.1 million, significantly higher than $10.4 million in 2024. This included a $12.7 million net charge-off related to a cannabis-related relationship and $29.2 million in the C&I portfolio. #### Other Real Estate Owned (OREO) BCB Bancorp, Inc. recognized a $15.1 million pre-tax write-down on an isolated cannabis-related REO property during the fourth quarter of 2025. #### Stockholders’ Equity Stockholders’ equity decreased by $19.6 million, or 6.1%, to $304.3 million at December 31, 2025, from $323.9 million at December 31, 2024. This was attributed to a decrease in retained earnings caused largely by the - $12.5 million net loss in 2025 and the REO property write-down. ### Outlook / Guidance Management implemented decisive actions in 2025 to improve asset quality, strengthen capital, and enhance liquidity, aiming for a more resilient foundation in 2026. The Board of Directors adjusted the quarterly cash dividend to $0.08 per share to prioritize long-term shareholder value through improved earnings and disciplined capital allocation. BCB Bancorp, Inc. declared a cash dividend of $0.08 per share, payable on February 26, 2026, to shareholders of record as of February 11, 2026. ### Related Stocks - [BCBP.US](https://longbridge.com/en/quote/BCBP.US.md) ## Related News & Research - [Hoenle AG Schedules Release of 2025/26 Half-Year Group Report](https://longbridge.com/en/news/282320830.md) - [Key facts: Bloom Energy supply 2.8 GW; files 8-K on unregistered sales](https://longbridge.com/en/news/282739037.md) - [Northland Securities Estimates RELL FY2026 Earnings](https://longbridge.com/en/news/282488579.md) - [Valmont appoints John Schwietz as Executive Vice President, CFO and Corporate Secretary](https://longbridge.com/en/news/282899516.md) - [10:26 ETNorth Launches Noros, the First AI FinOps Agent That Answers Cloud Cost Questions in Real Time](https://longbridge.com/en/news/282710240.md)