BCB Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	276.58	317.28	279.52	229.36	411.63
Investment Securities	136.3	66.41	62.98	85.27	80.2
Mortgage-Backed Securities	-	45.51	34.61	24.87	30.91
Total Investments	136.3	111.92	97.6	110.14	111.11
Gross Loans	2,727	3,034	3,317	3,082	2,344
Allowance for Loan Losses	-33.69	-34.79	-33.61	-32.37	-37.12
Other Adjustments to Gross Loans	-1.74	-2.74	-4.09	-4.71	-1.88
Net Loans	2,691	2,996	3,280	3,045	2,305
Property, Plant & Equipment	22.72	25.26	25.99	24.03	24.69
Goodwill	5.25	5.25	5.25	5.25	5.25
Other Intangible Assets	-	-	-	0.13	0.18
Loans Held for Sale	-	-	1.29	0.66	0.95
Accrued Interest Receivable	13.83	15.18	16.07	13.46	9.18
Long-Term Deferred Tax Assets	22.21	17.18	18.21	16.46	12.96
Other Real Estate Owned & Foreclosed	5	-	-	0.08	0.08
Other Long-Term Assets	92.3	86.52	83.84	81.19	80.47
Total Assets	3,279	3,599	3,832	3,546	2,968
Interest Bearing Deposits	2,142	1,832	2,101	1,990	1,698
Institutional Deposits	-	398	341.9	207.7	275
Non-Interest Bearing Deposits	531.14	520.39	536.26	613.91	588.21
Total Deposits	2,674	2,751	2,979	2,812	2,561
Short-Term Borrowings	-	-	-	60	-
Current Portion of Long-Term Debt	-	220.36	18	250	-
Current Portion of Leases	-	3.19	3.09	3.06	3.3
Long-Term Debt	43.21	38.86	33.52	33.41	37.28
Federal Home Loan Bank Debt, Long-Term	235	235	454.81	72.26	71.71
Long-Term Leases	11.14	9.95	10.22	10.8	9.46
Trust Preferred Securities	-	4.1	4.1	4.1	-
Pension & Post-Retirement Benefits	-	-	-	1.03	0.65
Other Long-Term Liabilities	12.26	12.87	15.51	8.67	9.71
Total Liabilities	2,975	3,275	3,518	3,255	2,694
Preferred Stock, Other	25.24	24.72	25.04	21	28.92
Total Preferred Equity	25.24	24.72	25.04	21	28.92
Additional Paid-In Capital	203.43	200.94	198.92	196.16	193.93
Retained Earnings	116.42	141.85	135.93	115.11	81.17
Treasury Stock	-38.35	-38.35	-38.35	-34.53	-31.13
Comprehensive Income & Other	-2.46	-5.24	-7.49	-6.49	1.13
Total Common Equity	279.04	299.2	289.01	270.25	245.1
Shareholders' Equity	304.28	323.93	314.06	291.25	274.02
Total Liabilities & Equity	3,279	3,599	3,832	3,546	2,968
Total Debt	289.35	511.46	523.75	433.63	121.74
Net Cash (Debt)	-12.03	-193.44	-243.49	-203.53	290.63
Net Cash Growth	-	-	-	-	1467.82%
Net Cash Per Share	-0.70	-11.37	-14.38	-11.73	16.86
Filing Date Shares Outstanding	17.27	17.16	16.96	16.94	16.98
Total Common Shares Outstanding	17.27	17.06	16.9	16.93	16.94
Book Value Per Share	16.15	17.54	17.10	15.96	14.47
Tangible Book Value	273.79	293.95	283.76	264.87	239.67
Tangible Book Value Per Share	15.85	17.23	16.79	15.64	14.15

Source: S&P Global Market Intelligence. Banks template. Financial Sources.