BCB Bancorp, Inc. reported a severe downturn in performance for the nine months ended September 30, 2025, swinging from $15.4M net income in 2024 to a $0.5M net loss YTD 2025, resulting in a basic loss per share of \(\\)(0.11)\(. Quarterly net income fell to \\)3.8M ($0.22 EPS).
Credit Deterioration is the Primary Driver: The Provision for Credit Losses surged to $29.8M (up from $7.4M), accompanied by gross charge-offs of $26.8M. Total Non-Accrual Loans nearly doubled to $93.5M (3.31% of gross loans). The Allowance for Credit Losses (ACL) increased to $37.8M.
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