Financial insights of BCBP

MyFinsight

For the quarter ending 2025-09-30, BCBP made $81,688K in revenue. $3,780K in net income. Net profit margin of 4.63%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans, including fees	38,278	38,650
Mortgage-backed securities	843	765
Other investment securities	1,114	1,057
Fhlb stock and other interest earning assets	2,807	2,709
Total interest income	43,042	43,181
Demand	5,608	5,584
Savings and club	233	217
Certificates of deposit	9,445	9,170
Total deposits	15,286	14,971
Borrowings	4,045	5,108
Total interest expense	19,331	20,079
Net interest income	23,711	23,102
Provision for credit losses on loans	4,080	4,891
Net interest income after provision for credit losses on loans	19,631	18,211
Fees and service charges	1,311	1,305
Boli income	931	786
(loss) gain on sales of loans	21	-
Realized and unrealized gains (losses) on equity investments	350	-108
Other	132	93
Total non-interest income	2,745	2,076
Salaries and employee benefits	8,324	7,713
Occupancy and equipment	2,562	2,502
Data processing and communications	2,047	2,046
Professional fees	800	767
Director fees	305	313
Regulatory assessments	984	804
Advertising and promotional	284	216
Other	1,264	907
Total non-interest expense	16,570	15,268
Income (loss) before income tax provision	5,806	5,019
Income tax provision (benefit)	1,544	1,455
Net income (loss)	4,262	3,564
Preferred stock dividends	482	482
Net income (loss) available to common stockholders	3,780	3,082

Basic earnings per share income available to common stockholders, per share amount	0.22	0.18
Net income per common share diluted	0.22	0.18
Weighted average number of shares outstanding, basic	17,207,000	17,175,000
Weighted average number of shares outstanding, diluted	17,207,000	17,175,000