Overview

* BCB Bancorp ( BCBP ) Q3 net income falls to $4.3 mln from $6.7 mln a year ago

* EPS for Q3 2025 was $0.22, down from $0.36 in Q3 2024

* Net interest margin increased to 2.88% in Q3 2025 from 2.58% a year earlier

Outlook

* Company did not provide specific guidance for future quarters or the full year

Result Drivers

* NET INTEREST MARGIN - Increase driven by lower cost of interest-bearing liabilities, despite a decrease in asset yields

* CANNABIS LOAN CHARGEbut interst margins rise-OFF - $12.7 mln charge-off related to cannabis-related relationship impacted net charge-offs

* ASSET QUALITY MANAGEMENT - Continued focus on asset quality with disciplined loan loss provisioning

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS $0.22

Q3 Net $4.30

Income mln

Q3 $0.16

Dividend

Q3 Net 2.88%

Interest

Margin

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)