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BCB Bancorp Announces Significant Loan Impairments and Charge-Offs

Story Highlights
  • BCB Bancorp took an extra $15.1 million write-down on a cannabis-related REO property after prior 2025 reserves and charge-offs.
  • The bank will record $16.4 million in additional net charge-offs in Q4 2025 but says capital can absorb losses without hurting operations.
  • Looking for the best stocks to buy? Follow the recommendations of top-performing analysts.
BCB Bancorp Announces Significant Loan Impairments and Charge-Offs

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BCB Bancorp ( (BCBP) ) just unveiled an update.

On January 13, 2026, BCB Bancorp, Inc. announced that it had determined an additional pre-tax write-down of $15.1 million was required on an isolated cannabis-related real estate owned property, following earlier actions in 2025 that included a specific reserve in the first quarter and a $12.7 million charge-off when the loan was moved to REO in the third quarter. The company also disclosed that its fourth quarter 2025 financial statements will reflect a further $16.4 million in net charge-offs, largely tied to its C&I loan portfolio, including a single $6.4 million C&I loan and about $1.4 million from “Business Express” loans, while emphasizing that its capital position is sufficient to absorb these losses without materially affecting ongoing operations and that these charges are not expected to require future cash outlays, ahead of its scheduled release of full fourth quarter 2025 results on January 30, 2026.

The most recent analyst rating on (BCBP) stock is a Hold with a $8.00 price target. To see the full list of analyst forecasts on BCB Bancorp stock, see the BCBP Stock Forecast page.

Spark’s Take on BCBP Stock

According to Spark, TipRanks’ AI Analyst, BCBP is a Neutral.

BCB Bancorp’s overall stock score reflects a combination of mixed financial performance, technical analysis, and valuation concerns. The high P/E ratio and recent financial results highlight potential risks, while the attractive dividend yield and stable liquidity position offer some positives. The stock’s technical indicators suggest caution, with potential overbought conditions.

To see Spark’s full report on BCBP stock, click here.

More about BCB Bancorp

BCB Bancorp, Inc., through its wholly owned subsidiary BCB Community Bank, operates as a community banking institution, offering commercial and industrial (C&I) lending and other banking services, including specialized exposure to sectors such as cannabis-related real estate. The bank’s activities place it within the broader U.S. community and regional banking industry, with a loan portfolio spanning commercial borrowers and small-business credit products like its “Business Express” loans.

Average Trading Volume: 80,719

Technical Sentiment Signal: Sell

Current Market Cap: $137.8M

For an in-depth examination of BCBP stock, go to TipRanks’ Overview page.

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