<span item_type="fundamental" item_id="5ab3bea3c49ea54b8b776265d51af9b1" counter_id="ST/US/BCBP" env="prod"></span><span item_type="announcement" item_id="576264425159335553" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 45.79 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.22, beating the estimate of USD 0.2133.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -13.83 M.</p><p></p><h3>Net Income</h3><p>BCB Bancorp, Inc. reported a net income of $4.3 million for the third quarter of 2025, compared to $3.6 million in the second quarter of 2025, and $6.7 million in the third quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span></p><h3>Net Interest Margin</h3><p>The net interest margin increased to 2.88% for the third quarter of 2025, compared to 2.80% for the second quarter of 2025, and 2.58% for the third quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span></p><h3>Provision for Credit Losses</h3><p>The provision for credit losses was $4.1 million in the third quarter of 2025, compared to $4.9 million in the second quarter of 2025, and $2.9 million in the third quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span></p><h3>Non-Interest Income and Expense</h3><p>Non-interest income decreased by $382 thousand to $2.7 million for the third quarter of 2025 from $3.1 million in the third quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span> Non-interest expense increased by $2.6 million, or 19.0%, to $16.6 million for the third quarter of 2025 compared to $13.9 million for the third quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span></p><h3>Total Assets and Deposits</h3><p>Total assets decreased by $246.0 million, or 6.8%, to $3.353 billion at September 30, 2025, from $3.599 billion at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span> Total deposits were $2.687 billion at September 30, 2025, compared to $2.662 billion at June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span></p><h3>Cash Flow</h3><p>Total cash and cash equivalents decreased by $67.7 million, or 21.3%, to $249.6 million at September 30, 2025, from $317.3 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span></p><h3>Outlook / Guidance</h3><p>The company continues to focus on optimizing both the asset and liability sides of its balance sheet, with a strong liquidity position and increasing capital ratios. Management remains disciplined in booking loan loss provisioning expenses and assigning appropriate risk-ratings to support loan loss reserves. The company anticipates potential future challenges due to economic conditions, including higher inflation levels and global economic uncertainties.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1228454/000119312525251653/d31036dex991.htm"></span></p>

BCB Bancorp | 8-K: FY2025 Q3 Revenue: USD 45.79 M