BCB Bancorp reported a FY 2025 net loss of USD 12.5 million, compared with FY 2024 net income of USD 18.6 million. Net interest income rose 5% to USD 93.04 million, as interest expense fell 22% to USD 79.92 million, partly offset by a 11% decline in interest income to USD 172.96 million amid lower average loans and interest-bearing bank balances. The FY 2025 provision for credit losses increased from USD 11.6 million to USD 42 million, and net charge-offs rose to USD 43.1 million from USD 10.4 million, driven in part by a USD 12.7 million net charge-off tied to the elimination of specific reserves for a cannabis-related relationship and higher C&I charge-offs. Non-interest expense increased 36% to USD 77.9 million, primarily reflecting a one-time USD 15.1 million expense related to a cannabis-related OREO property recorded in Q4. Total assets fell 9% to USD 3.28 billion at Dec. 31, 2025, as the company reduced wholesale funding and paid down FHLB advances, with debt obligations down to USD 278.2 million from USD 498.3 million.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. BCB Bancorp Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001228454-26-000004), on March 09, 2026, and is solely responsible for the information contained therein.