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EarningsQ2 2026 Earnings Report
BCBP Q2 2026 EPS Results
Actual EPS-$0.55
Consensus EPS$0.24
Beat/MissMissed by -$0.79
One Year Ago EPS$0.18
BCBP Q2 2026 Revenue Results
Actual Revenue$39.86M
Expected Revenue$25.55M
Beat/MissBeat by +$14.31M
YoY Revenue Growth-11.92%
Earnings Announcement Details
QuarterQ2 2026
Date08/03/2026
TimeBefore Open
Conference CallMonday, August 3, 2026
BCBP Upcoming Earnings
BCB Bancorp's next earnings date is estimated for October 15, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
BCBP Q2 2026 Earnings Call
0:00 / 0:00
Q2 2026 Earnings Slide Deck
No slide deck is available for this earnings event.
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Negative
The call conveyed a mix of constructive actions and significant challenges. Positives include a modest NIM improvement, decisive liquidity-preservation steps (dividend suspension), governance modernization, consistent core revenue (~$25M/quarter), progress on credit reviews with external consultants, and expectation that the DTA can be utilized. However, the quarter was dominated by sizable loan loss provisioning (~$19M, with $16.7M to C&I), large charge-offs (near $30M referenced across quarters), a $5.3M goodwill write-off, elevated near-term expenses for restructuring, and constrained holding-company capital due to double leverage and outstanding subordinated debt (~$40M). Management continues to work toward a comprehensive financial restructure to provide clarity by Q3/Labor Day, but material credit and capital uncertainties remain.Company Guidance
Net Interest Margin Improvement
Net interest margin ticked up roughly 8 basis points to just over 3% in the quarter, reflecting modest NIM improvement.
Liquidity / Capital Preservation Actions
Company suspended dividends on both common and preferred shares to retain holding company liquidity and build bank capital.
Governance and Corporate-Structure Changes
Board approved plan to change state of incorporation to Delaware and eliminate staggered director terms to modernize governance.
Credit Review Progress and External Support
Management has brought in external consultants, completed substantial initial reviews (business express largely reviewed), and expects meaningful clarity around Labor Day with financial restructuring targeted to be announced in Q3.
Stable Core Revenue Run-Rate
Core operating revenue has been consistent at about $25 million per quarter (roughly $100 million annualized) over the last five reported quarters.
Deferred Tax Asset and Recoverability
Deferred tax asset on the balance sheet is approximately $25 million and management expects to be able to utilize it over time once credit issues are resolved.
Cannabis Loan Position
Cannabis loan portfolio totaled about $69–70 million at quarter end and, per management, was not in the past-due bucket.
Business Express Portfolio Moderation
Business express loan losses moderated: ~ $10 million losses in 2025, similar in 2024, and $1.1 million year-to-date in 2026; reserve coverage on this portfolio sits around 15%.
BCBP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed