BCB Bancorp次季虧損1478萬美元 信貸撥備大增及商譽減值拖累

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

 

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 

FORM 10-Q 
 

(Mark One)
x
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2026
Or
 
o
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ___________ to ___________
Commission File Number: 0-50275
 
BCB Bancorp, Inc.
(Exact name of registrant as specified in its charter)
 
 
New Jersey
 
26-0065262

(State or other jurisdiction of
incorporation or organization)
 
(IRS Employer
I.D. No.)

 
 

104-110 Avenue C Bayonne, New Jersey
 
07002

(Address of principal executive offices)
 
(Zip Code)

(201) 823-0700
(Registrant’s telephone number, including area code)
 
Not Applicable
 (Former name, former address and former fiscal year if changed since last report)
 
Securities registered pursuant to section 12(b) of the Securities and Exchange Act of 1934:
 
 
 
 

Title of each class
Trading Symbol(s)
Name of each exchange on which registered

Common Stock, no par value
BCBP
The Nasdaq Stock Market, LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   T   Yes    o   No
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    x   Yes    o   No
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growth company. See definition of “large accelerated filer”, “accelerated filer”, “smaller reporting company”, and “emerging growth company” in Rule 12b-2 of the Exchange Act.
 
 
 
 
 
 

Large Accelerated Filer
o
 
Accelerated Filer
x

 
 
 
 
 

Non-Accelerated Filer
o
 
Smaller Reporting Company
x 

 
 
 
 
 

 
 
 
Emerging Growth Company
o

 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Indicate by check mark whether the registrant is a shell company (as defined in rule 12b-2 of the Exchange Act).    o  Yes    T  No
APPLICABLE ONLY TO CORPORATE ISSUERS:
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. As of August 1, 2026, BCB Bancorp, Inc. had 18,101,822 shares of common stock, no par value, outstanding.

‎ 

 

 
 
 

BCB BANCORP INC. AND SUBSIDIARIES
INDEX
 
 
 
 
 
 

 
 
 
 
 

 
 
Page
 

PART I. CONSOLIDATED FINANCIAL INFORMATION
 
 
 
 

Item 1. Consolidated Financial Statements
 
 
 
 

Consolidated Statements of Financial Condition as of June 30, 2026 (unaudited) and December 31, 2025 (unaudited)
 
 
1
  

Consolidated Statements of Operations for the three and six months ended June 30, 2026, 2025 and 2024 (unaudited)
 
 
2
  

Consolidated Statements of Comprehensive Income (Loss) for the three and six months ended June 30, 2026, 2025 and 2024 (unaudited)
 
 
3
 

Consolidated Statements of Changes in Stockholders’ Equity for the three and six months ended June 30, 2026, 2025 and 2024 (unaudited)
 
 
4
  

Consolidated Statements of Cash Flows for the six months ended June 30, 2026, 2025 and 2024 (unaudited)
 
 
7
  

Notes to Unaudited Consolidated Financial Statements
 
 
8
 

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations
 
 
27
 

Item 3. Quantitative and Qualitative Disclosures about Market Risk
 
 
36
 

Item 4. Controls and Procedures
 
 
37
  

 
 

PART II. OTHER INFORMATION
 
 
38
 

Item 1. Legal Proceedings
 
 
38
  

Item 1A. Risk Factors
 
 
38
  

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
 
 
39
  

Item 3. Defaults Upon Senior Securities
 
 
39
  

Item 4. Mine Safety Disclosures
 
 
39
  

Item 5. Other Information
 
 
39
  

Item 6. Exhibits
 
 
40
 

Signatures
 
 
41
 

 
 
 
 
 
 

 
 
 

 
 

 
PART I. CONSOLIDATED FINANCIAL INFORMATION
ITEM I. CONSOLIDATED FINANCIAL STATEMENTS
BCB BANCORP INC. AND SUBSIDIARIES
Consolidated Statements of Financial Condition
(In thousands, Except Share and Per Share Data, Unaudited)
 
 
 
 
 
 
 

 
 
 
 
 
 

 
June 30,
 
December 31,

 
2026
 
2025

 
 
 
 
 
 

ASSETS
 
 
 
 
 

Cash and amounts due from depository institutions 
$
 14,573 
 
$
 13,794 

Interest-earning deposits 
 
 182,314 
 
 
 262,790 

 Total cash and cash equivalents 
 
 196,887 
 
 
 276,584 

 
 
 
 
 
 

Interest-earning time deposits
 
 735 
 
 
 735 

Debt securities available for sale, at fair value
 
 148,428 
 
 
 126,395 

Equity investments, at fair value
 
 3,851 
 
 
 9,172 

Loans held for sale
 
 10,777 
 
 
 -

Loans receivable, net of allowance for credit losses 
 
 
 
 
 

 of $44,980 and $33,691, respectively 
 
 2,587,984 
 
 
 2,691,091 

Federal Home Loan Bank of New York stock, at cost
 
 9,048 
 
 
 14,176 

Premises and equipment, net
 
 11,737 
 
 
 12,056 

Accrued interest receivable
 
 14,661 
 
 
 13,834 

Other real estate owned
 
 5,000 
 
 
 5,000 

Deferred income taxes, net
 
 24,794 
 
 
 22,209 

Goodwill and other intangibles
 
 -
 
 
 5,253 

Operating lease right-of-use assets
 
 10,479 
 
 
 10,660 

Bank-owned life insurance (BOLI)
 
 81,229 
 
 
 79,366 

Other assets 
 
 12,516 
 
 
 12,935 

 Total Assets
$
 3,118,126 
 
$
 3,279,466 

 
 
 
 
 
 

LIABILITIES AND STOCKHOLDERS’ EQUITY
 
 
 
 
 

 
 
 
 
 
 

LIABILITIES
 
 
 
 
 

Non-interest-bearing deposits
$
 514,648 
 
$
 531,140 

Interest-bearing deposits
 
 2,121,375 
 
 
 2,142,433 

 Total deposits
 
 2,636,023 
 
 
 2,673,573 

FHLB advances 
 
 125,000 
 
 
 235,000 

Subordinated debentures
 
 43,335 
 
 
 43,210 

Operating lease liability
 
 10,953 
 
 
 11,140 

Other liabilities
 
 10,896 
 
 
 12,259 

 Total Liabilities 
 
 2,826,207 
 
 
 2,975,182 

 
 
 
 
 
 

STOCKHOLDERS’ EQUITY
 
 
 
 
 

Preferred stock: $0.01 par value, 10,000,000 shares authorized; issued and outstanding 2,548 shares Series J 8.0% and Series K 6.0% (liquidation value $10,000 per share) noncumulative perpetual preferred stock at June 30, 2026 and December 31, 2025
 
 -
 
 
 -

Additional paid-in capital preferred stock
 
 25,243 
 
 
 25,243 

Common stock: no par value; 40,000,000 shares authorized; issued 21,335,793 and 20,508,183 at June 30, 2026 and December 31, 2025, respectively, outstanding 18,101,822 and 17,274,212, at June 30, 2026 and December 31, 2025, respectively
 
 -
 
 
 -

Additional paid-in capital common stock
 
 204,451 
 
 
 203,429 

Retained earnings 
 
 103,225 
 
 
 116,415 

Accumulated other comprehensive loss
 
 (2,653)
 
 
 (2,456)

Treasury stock, at cost, 3,233,971 shares at June 30, 2026 and December 31, 2025
 
 (38,347)
 
 
 (38,347)

 Total Stockholders’ Equity
 
 291,919 
 
 
 304,284 

 Total Liabilities and Stockholders’ Equity
$
 3,118,126 
 
$
 3,279,466 

 
 
 
 
 
 

 
See accompanying notes to unaudited consolidated financial statements.
 
 
 
 

‎ 

 1
 

 
BCB BANCORP INC. AND SUBSIDIARIES
Consolidated Statements of Operations 
(In thousands, Except for Per Share Amounts, Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
Three Months Ended June 30,
 
Six Months Ended June 30,

 
2026
 
2025
 
2024
 
2026
 
2025
 
2024

Interest and dividend income:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 Loans, including fees
$
 35,856 
 
$
 38,650 
 
$
 44,036 
 
$
 71,734 
 
$
 77,577 
 
$
 87,758 

 Mortgage-backed securities 
 
 960 
 
 
 765 
 
 
 297 
 
 
 1,799 
 
 
 1,326 
 
 
 602 

 Other investment securities
 
 1,113 
 
 
 1,057 
 
 
 1,006 
 
 
 2,103 
 
 
 2,025 
 
 
 1,981 

 FHLB stock and other interest earning assets
 
 2,532 
 
 
 2,709 
 
 
 4,106 
 
 
 5,227 
 
 
 6,445 
 
 
 8,389 

 Total interest income
 
 40,461 
 
 
 43,181 
 
 
 49,445 
 
 
 80,863 
 
 
 87,373 
 
 
 98,730 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Interest expense:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 Deposits:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 Demand
 
 5,413 
 
 
 5,584 
 
 
 5,349 
 
 
 10,583 
 
 
 11,002 
 
 
 10,606 

 Savings and club 
 
 112 
 
 
 217 
 
 
 152 
 
 
 248 
 
 
 368 
 
 
 318 

 Certificates of deposit
 
 8,266 
 
 
 9,170 
 
 
 14,571 
 
 
 16,858 
 
 
 19,932 
 
 
 29,554 

 
 
 13,791 
 
 
 14,971 
 
 
 20,072 
 
 
 27,689 
 
 
 31,302 
 
 
 40,478 

 Borrowings
 
 3,325 
 
 
 5,108 
 
 
 5,734 
 
 
 6,992 
 
 
 10,964 
 
 
 11,470 

 Total interest expense
 
 17,116 
 
 
 20,079 
 
 
 25,806 
 
 
 34,681 
 
 
 42,266 
 
 
 51,948 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Net interest income
 
 23,345 
 
 
 23,102 
 
 
 23,639 
 
 
 46,182 
 
 
 45,107 
 
 
 46,782 

Provision for credit losses on loans
 
 18,987 
 
 
 4,891 
 
 
 2,438 
 
 
 21,775 
 
 
 25,736 
 
 
 4,526 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Net interest income after provision for credit losses on loans
 
 4,358 
 
 
 18,211 
 
 
 21,201 
 
 
 24,407 
 
 
 19,371 
 
 
 42,256 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Non-interest (loss) income:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 Fees and service charges
 
 1,313 
 
 
 1,305 
 
 
 1,119 
 
 
 2,504 
 
 
 2,478 
 
 
 2,334 

 BOLI income
 
 917 
 
 
 786 
 
 
 671 
 
 
 1,863 
 
 
 1,394 
 
 
 1,346 

 (Loss) gain on sales of loans
 
 (2,607)
 
 
 -
 
 
 (4,851)
 
 
 (2,600)
 
 
 -
 
 
 (4,806)

 Realized and unrealized losses on equity investments
 
 (248)
 
 
 (108)
 
 
 (222)
 
 
 (341)
 
 
 (223)
 
 
 (92)

 Other
 
 155 
 
 
 93 
 
 
 49 
 
 
 205 
 
 
 218 
 
 
 93 

 Total non-interest (loss) income
 
 (470)
 
 
 2,076 
 
 
 (3,234)
 
 
 1,631 
 
 
 3,867 
 
 
 (1,125)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Non-interest expense: 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 Salaries and employee benefits
 
 9,395 
 
 
 7,713 
 
 
 6,992 
 
 
 17,722 
 
 
 15,116 
 
 
 13,973 

 Occupancy and equipment
 
 2,562 
 
 
 2,502 
 
 
 2,529 
 
 
 5,286 
 
 
 5,225 
 
 
 5,173 

 Data processing and communications
 
 1,968 
 
 
 2,046 
 
 
 1,672 
 
 
 3,991 
 
 
 3,890 
 
 
 3,525 

 Professional fees
 
 562 
 
 
 767 
 
 
 604 
 
 
 1,189 
 
 
 1,459 
 
 
 1,199 

 Director fees
 
 244 
 
 
 313 
 
 
 254 
 
 
 490 
 
 
 731 
 
 
 531 

 Regulatory assessments
 
 650 
 
 
 804 
 
 
 953 
 
 
 1,415 
 
 
 1,513 
 
 
 2,095 

 Advertising and promotional
 
 489 
 
 
 216 
 
 
 253 
 
 
 689 
 
 
 395 
 
 
 469 

 Other real estate owned, net
 
 130 
 
 
 -
 
 
 -
 
 
 280 
 
 
 -
 
 
 -

 Impairment of goodwill
 
 5,253 
 
 
 -
 
 
 -
 
 
 5,253 
 
 
 -
 
 
 -

 Other
 
 879 
 
 
 907 
 
 
 730 
 
 
 1,368 
 
 
 1,599 
 
 
 1,860 

 Total non-interest expense 
 
 22,132 
 
 
 15,268 
 
 
 13,987 
 
 
 37,683 
 
 
 29,928 
 
 
 28,825 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

(Loss) Income before income tax provision
 
 (18,244)
 
 
 5,019 
 
 
 3,980 
 
 
 (11,645)
 
 
 (6,690)
 
 
 12,306 

Income tax (benefit) provision
 
 (3,468)
 
 
 1,455 
 
 
 1,163 
 
 
 (1,773)
 
 
 (1,930)
 
 
 3,623 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Net (Loss) Income
$
 (14,776)
 
$
 3,564 
 
$
 2,817 
 
$
 (9,872)
 
$
 (4,760)
 
$
 8,683 

Preferred stock dividends
 
 -
 
 
 482 
 
 
 448 
 
 
 482 
 
 
 964 
 
 
 882 

Net (Loss) Income available to common stockholders
$
 (14,776)
 
$
 3,082 
 
$
 2,369 
 
$
 (10,354)
 
$
 (5,724)
 
$
 7,801 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Net (Loss) Income per common share-basic and diluted
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Basic
$
 (0.85)
 
$
 0.18 
 
$
 0.14 
 
$
 (0.60)
 
$
 (0.33)
 
$
 0.46 

Diluted
$
 (0.85)
 
$
 0.18 
 
$
 0.14 
 
$
 (0.60)
 
$
 (0.33)
 
$
 0.46 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Weighted average number of common shares outstanding
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Basic
 
 17,306
 
 
 17,175 
 
 
 17,005 
 
 
 17,273
 
 
 17,144 
 
 
 16,968 

Diluted
 
 17,306
 
 
 17,175 
 
 
 17,005 
 
 
 17,273
 
 
 17,144 
 
 
 16,968 

 
See accompanying notes to unaudited consolidated financial statements.
 

 2
 

 
BCB BANCORP INC. AND SUBSIDIARIES
Consolidated Statements of Comprehensive Income (Loss)
(In thousands, Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
Three Months Ended June 30, 
 
Six Months Ended June 30, 

 
2026
 
2025
 
2024
 
2026
 
2025
 
2024

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Net (Loss) Income
$
 (14,776)
 
$
 3,564 
 
$
 2,817 
 
$
 (9,872)
 
$
 (4,760)
 
$
 8,683 

Other comprehensive income (loss), net of tax:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Available-for-sale debt securities:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Unrealized holding gains (losses) arising during the period
 
 200
 
 
 226 
 
 
 (227)
 
 
 (261)
 
 
 1,513 
 
 
 (404)

Tax effect
 
 (49)
 
 
 (56)
 
 
 56 
 
 
 64
 
 
 (373)
 
 
 100 

Other comprehensive income (loss), net of tax:
 
 151
 
 
 170 
 
 
 (171)
 
 
 (197)
 
 
 1,140 
 
 
 (304)

Comprehensive (loss) income
$
 (14,625)
 
$
 3,734 
 
$
 2,646 
 
$
 (10,069)
 
$
 (3,620)
 
$
 8,379 

 
See accompanying notes to unaudited consolidated financial statements.
 
 
 

 3
 

 
 
BCB BANCORP INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders’ Equity
(In thousands, Except Share and Per Share Data, Unaudited) 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
Preferred
‎Stock
 
Common
‎Stock
 
Additional
‎Paid-In
‎Capital
 
 Retained
‎Earnings
 
 Treasury
‎Stock
 
 Accumulated
‎Other
‎Comprehensive
‎Income
‎(Loss)
 
Total

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Balance at January 1, 2026
$
 -
 
$
 -
 
$
 228,672 
 
$
 116,415 
 
$
 (38,347)
 
$
 (2,456)
 
$
 304,284 

Net loss
 
 -
 
 
 -
 
 
 -
 
 
 (9,872)
 
 
 -
 
 
 -
 
 
 (9,872)

Other comprehensive loss
 
 -
 
 
 -
 
 
 -
 
 
 -
 
 
 -
 
 
 (197)
 
 
 (197)

Stock-based compensation expense
 
 -
 
 
 -
 
 
 474 
 
 
 -
 
 
 -
 
 
 -
 
 
 474 

Dividends payable on Series J 8.0% and Series K 6.0% noncumulative perpetual preferred stock
 
 -
 
 
 -
 
 
 -
 
 
 (482)
 
 
 -
 
 
 -
 
 
 (482)

Cash dividends on common stock ($0.16 per share declared)
 
 -
 
 
 -
 
 
 -
 
 
 (2,738)
 
 
 -
 
 
 -
 
 
 (2,738)

Dividend reinvestment plan
 
 -
 
 
 -
 
 
 98 
 
 
 (98)
 
 
 -
 
 
 -
 
 
 -

Stock purchase plan
 
 -
 
 
 -
 
 
 450 
 
 
 -
 
 
 -
 
 
 -
 
 
 450 

Balance at June 30, 2026
$
 -
 
$
 -
 
$
 229,694 
 
$
 103,225 
 
$
 (38,347)
 
$
 (2,653)
 
$
 291,919 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
Preferred
‎Stock
 
Common
‎Stock
 
Additional
‎Paid-In
‎Capital
 
 Retained
‎Earnings
 
 Treasury
‎Stock
 
 Accumulated
‎Other
‎Comprehensive
‎Income (Loss)
 
Total

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Balance at April 1, 2026
$
 -
 
$
 -
 
$
 229,119 
 
$
 119,412 
 
$
 (38,347)
 
$
 (2,804)
 
$
 307,380 

Net loss
 
 -
 
 
 -
 
 
 -
 
 
 (14,776)
 
 
 -
 
 
 -
 
 
 (14,776)

Other comprehensive income
 
 -
 
 
 -
 
 
 -
 
 
 -
 
 
 -
 
 
 151 
 
 
 151 

Stock-based compensation expense
 
 -
 
 
 -
 
 
 326 
 
 
 -
 
 
 -
 
 
 -
 
 
 326 

Cash dividends on common stock ($0.08 per share declared)
 
 -
 
 
 -
 
 
 -
 
 
 (1,362)
 
 
 -
 
 
 -
 
 
 (1,362)

Dividend reinvestment plan
 
 -
 
 
 -
 
 
 49 
 
 
 (49)
 
 
 -
 
 
 -
 
 
 -

Stock purchase plan
 
 -
 
 
 -
 
 
 200 
 
 
 -
 
 
 -
 
 
 -
 
 
 200 

Balance at June 30, 2026
$
 -
 
$
 -
 
$
 229,694 
 
$
 103,225 
 
$
 (38,347)
 
$
 (2,653)
 
$
 291,919 

 

‎ 

 4
 

 
BCB BANCORP INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders’ Equity
(In thousands, Except Share and Per Share Data, Unaudited)