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BCB Bancorp BCBP Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans

Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans at other companies

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Capital BancorpCBNK

Other financials

Income statement

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Revenue$24.9M+4.8%
Net income$4.9M+159%
EPS (diluted)$0.26+151%

Balance sheet

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Cash & equivalents$293.7M+16.2%
Total debt$236.4M-43.3%
Total equity$307.4M-2.3%
Total assets$3.3B-5.9%

Cash flow

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Operating cash flow$5.2M+3.3%
CapEx$266.0K-8.6%
Free cash flow$4.9M+4.0%

Valuation

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Market cap$178.49M+26.9%
Enterprise value$121.12M
P/E254.6×
P/S1.7×

Profitability

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Net margin0.7%-4.1pp
FCF margin34.1%-33.3pp

Returns & leverage

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Return on equity0.2%-1.2pp
Debt / equity0.8×-0.6×

Where this comes from

Reported directly by BCB Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableDeferredIncome.

The official record: BCB Bancorp’s 10-Q, filed May 1, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is BCB Bancorp's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans?
BCB Bancorp (BCBP) reported unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans of $1.82M in Q1 2026.
How has BCB Bancorp's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans changed year-over-year?
BCB Bancorp's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans decreased by 26.3% year-over-year, from $2.47M to $1.82M.
What is the long-term trend for BCB Bancorp's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans?
Over 3 years (2022 to 2025), BCB Bancorp's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans has grown at a -28.3% compound annual growth rate (CAGR), from $4.71M to $1.74M.
What does unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans mean?
The net balance of unearned income, unamortized deferred loan fees, and premiums or discounts associated with the bank's loan portfolio. These items represent adjustments to the carrying value of loans that are recognized as interest income over the life of the loan. This metric is vital for understanding the true yield and effective interest rate of the bank's lending activities.