Form 8-K

8-K — BCB BANCORP INC

Accession: 0001193125-26-437028

Filed: 2026-10-29

Period: 2026-10-29

CIK: 0001228454

SIC: 6035 (SAVINGS INSTITUTION, FEDERALLY CHARTERED)

Item: Results of Operations and Financial Condition

Item: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — d180307d8k.htm (Primary)

EX-99.1 (d180307dex991.htm)

GRAPHIC (g180307g1029041614233.jpg)

GRAPHIC (g180307g1029041614486.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: d180307d8k.htm · Sequence: 1

8-K

BCB BANCORP INC false 0001228454 0001228454 2026-10-29 2026-10-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 29, 2026

BCB BANCORP, INC.

(Exact name of registrant as specified in its charter)

New Jersey

0-50275

26-0065262

(State or Other Jurisdiction

of Incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

104-110 Avenue C

Bayonne, New Jersey

07002

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (800) 680-6872

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange

on which registered

Common Stock, no par value

BCBP

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02.

Results of Operations and Financial Condition.

On October 29, 2026, BCB Bancorp, Inc. (the “Company”), the holding company for BCB Community Bank, issued a press release (the “Press Release”) reporting the Company’s financial results at and for the third quarter ended September 30, 2026. A copy of the Press Release dated October 29, 2026, and the accompanying financial statements are attached hereto as Exhibit 99.1 and are incorporated herein by reference into this Item 2.02 (the “Press Release”).

The information provided in Item 2.02 of this report, including Exhibit 99.1, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

Item 5.02.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

(b) Appointment of Ryan Blake to Chief Banking Officer of the Bank

On October 29, 2026, the Company announced that the Boards of Directors of the Company and BCB Community Bank (the “Bank”) approved a transition of Ryan Blake from the position of Chief Operating Officer of the Company and the Bank to the newly established position of Chief Banking Officer of the Bank. His new role will entail oversight of retail banking, banking operations and marketing. As a result, Mr. Blake no longer serves as Chief Operating Officer of the Company. Mr. Blake will continue to serve as an Executive Vice President of the Bank. There will be no change to Mr. Blake’s compensation arrangements related to his change in title and responsibilities. The adjustments to Mr. Blake’s role are part of a larger restructuring of executive responsibilities at the Bank described under Item 8.01 as well as in the Press Release which is incorporated by reference into this Item 5.02.

Item 8.01.

Other Material Event.

On October 29, 2026, the Company announced that it has undergone a further reorganization of its C-Suite. As noted under Item 5.02, Ryan Blake, the former Chief Operating Officer of the Company and the Bank, has been transitioned into the newly established role of Chief Banking Officer of the Bank. Sandra Sievewright, the former Chief Compliance Officer of the Company and the Bank, has been transitioned to Chief Administrative Officer of the Bank, where she will have oversight over the Bank’s BSA area, facilities, security, CRA as well as the Bank’s compliance function. In addition, the Bank has appointed Eleni Willis as Chief Risk Officer. Finally, Karen Duran has been appointed the Company’s principal accounting officer reporting to the Company’s Chief Financial Officer, in addition to her role as Chief Accounting Officer. This reorganization of executive roles and additional hires is described in the Press Release which is incorporated by reference into this Item 8.01.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits

No.

Description

99.1

Press Release, dated October 29, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

BCB BANCORP, INC.

DATE: October 29, 2026

By:

/s/ Jawad Chaudhry

Jawad Chaudhry

Executive Vice President and Chief Financial Officer

(Duly Authorized Representative)

EX-99.1

Filename: d180307dex991.htm · Sequence: 2

EX-99.1

Exhibit 99.1

CONTACT:

JAWAD CHAUDHRY,

EVP, CFO & TREASURER

(201) 823-0700

BCB Bancorp, Inc.

Announces Results for the Third Quarter 2026;

Achieves Substantial Progress Towards Restructured Balance Sheet.

•

Successfully completed a $98.0 million equity capital raise through an underwritten public offering.

•

Maintained well-capitalized regulatory capital levels.

•

Reduced credit risk through the sale of $204.3 million of portfolios of certain problem loans.

•

Transferred an additional $100.9 million of loans to held-for-sale.

•

Enhanced Board oversight and governance with the addition of two new independent directors.

•

Further reorganization of C-Suite to align governance and executive

responsibilities.

BAYONNE, N.J., October 29, 2026 — BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding

company for BCB Community Bank (the “Bank”), today reported a net loss attributable to common stockholders of $132.5 million for the third quarter of 2026, compared to a net loss of $14.8 million in the second quarter of 2026,

and net income of $3.8 million for the third quarter of 2025. The Company’s loss per diluted share for the third quarter was ($6.92) compared to a loss per diluted share of ($0.85) in the preceding quarter. The Company had earnings per

share of $0.22 in the third quarter of 2025. The Company’s reported net loss attributable to common stockholders for the nine months ended September 30, 2026 was $142.8 million, compared to a net loss of $1.9 million for the

nine months ended September 30, 2025. The Company’s loss per diluted share for the nine months ended September 30, 2026 was ($7.98) compared to a loss per diluted share of ($0.11) for the nine months ended September 30, 2025.

Executive Summary

•

Net interest margin was 3.03 percent for the third quarter of 2026, compared to 3.03 percent for the

second quarter of 2026, and 2.88 percent for the third quarter of 2025.

•

Total yield on interest-earning assets was 5.14 percent for the third quarter of 2026, compared to

5.25 percent for the second quarter of 2026, and 5.23 percent for the third quarter of 2025.

•

Total cost of interest-bearing liabilities decreased 10 basis points to 2.77 percent for the third quarter

of 2026, compared to 2.87 percent for the second quarter of 2026, and decreased 29 basis points from 3.06 percent for the third quarter of 2025.

•

The efficiency ratio for the third quarter was 78.5 percent compared to 96.8 percent in the prior

quarter, and 62.6 percent in the third quarter of 2025.

•

The annualized return on average assets ratio for the third quarter was (17.0) percent, compared to (1.83)

percent in the prior quarter, and 0.50 percent in the third quarter of 2025.

•

The annualized return on average equity ratio for the third quarter was (172.7) percent, compared to (19.2)

percent in the prior quarter, and 5.4 percent in the third quarter of 2025.

•

The provision for credit losses was $115.0 million in the third quarter of 2026 compared to

$19.0 million for the second quarter of 2026. In the third quarter of 2025, the Bank recorded a provision of $4.1 million.

•

Total criticized and classified loans was $198.9 million in the third quarter compared to

$367.4 million at June 30, 2026.

•

The allowance for credit losses on loans as a percentage of non-accrual

loans was 313.4 percent at September 30, 2026, compared to 73.5 percent for the prior quarter-end and 40.4 percent at September 30, 2025. Total

non-accrual loans were $22.4 million at September 30, 2026, $61.2 million at June 30, 2026 and $93.5 million at September 30, 2025.

•

Total loans receivable, net of the allowance for credit losses on loans, of $2.180 billion at

September 30, 2026, decreased from $2.588 billion at June 30, 2026.

•

Total deposits were $2.609 billion at September 30, 2026, compared to $2.636 billion at

June 30, 2026.

•

The Bank’s leverage capital ratio at September 30, 2026 was 9.0% and the Company’s consolidated

leverage capital ratio was 8.4%.

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

The net loss for the third quarter of 2026 was primarily driven by a $115.0 million provision for credit

losses and the $59.9 million in valuation allowance established against the Company’s deferred tax asset which is reflected in the calculation of our income tax provision for the quarter. The net charge-offs during the quarter totaled

$89.7 million. As part of its strategy to meaningfully de-risk the balance sheet, the Bank completed a series of loan sales totaling $204.3 million of problem loans, the majority of which were

risk-rated criticized or classified under the Bank’s internal risk rating system. The sold portfolio included commercial and multifamily real estate loans with an aggregate unpaid principal balance of approximately $179.7 million,

commercial and industrial loans of approximately $14.6 million, and construction loans of approximately $10.0 million, resulting in a $42.3 million charge-off to the allowance for credit losses

on loans.

During the quarter, the Bank also transferred $70.2 million of cannabis loans, $29.8 million of commercial real estate loans, and

$874 thousand of commercial and industrial loans to held-for-sale status and recorded a related $44.2 million

charge-off to the allowance for credit losses on loans based on the lower of cost or market. Excluding loans sold or transferred to

held-for-sale status, charge-offs were primarily attributable to $3.2 million in the commercial business portfolio and $1.0 million in the Business Express

loan portfolio.

Management also completed a comprehensive review of the commercial and multifamily real estate portfolio, resulting in additional

reserves for that segment. These actions follow the successful completion of the Company’s equity offering, which generated $91.4 million of net proceeds, including the exercise of the underwriters’ option due to strong investor

demand, and position the Bank with a substantially de-risked balance sheet and improved credit profile going forward.

The Company also announced today that it has undergone a further reorganization of its C-Suite. Ryan Blake, the former

Chief Operating Officer of the Company and the Bank has been transitioned into the newly established role of Chief Banking Officer of the Bank. His new role will entail oversight of retail banking, banking operations and marketing. Sandra

Sievewright, the former Chief Compliance Officer of the Company and the Bank has been transitioned to Chief Administrative Officer of the Bank, where she will have oversight over the Bank’s BSA area, facilities, security, CRA as well as the

Bank’s compliance function. These position changes better align the Bank’s leadership structure with its strategic priorities and the core experience and leadership strengths of these executives. In addition, the Bank has appointed Eleni

Willis as Chief Risk Officer. Eleni has served in various risk positions, including chief risk officer, at previous financial institutions. The Bank expects to appoint a new chief audit officer before the end of the year. Finally, Karen Duran has

been appointed the Company’s principal accounting officer reporting to the Company’s Chief Financial Officer, in addition to her role as Chief Accounting Officer.

Thomas M. O’Brien, President and Chief Executive Officer of the Company and the Bank, stated “I am pleased with the successful execution of

several strategic initiatives during the third quarter that we believe meaningfully de-risked our balance sheet and strengthened the Company’s financial position. In a very short period of time, we

identified key credit challenges, assessed our capital needs, successfully raised capital, and completed loan sale transactions that reduced risk and improved the quality of our balance sheet. In addition, the comprehensive credit reviews completed

during the second and third quarters resulted in an increase in our allowance for credit losses to address losses embedded in the portfolio and position the Bank for the future.

The capital raise allowed us to absorb the losses recognized in our loan portfolio while maintaining solid capital ratios. The capital raise also

significantly enhanced liquidity at the holding company level, with approximately $20 million of the proceeds retained at the holding company. While substantial progress has been made toward creating a safer and stronger institution, our work

is far from complete. We remain focused on strengthening our risk management culture, improving operating performance, and working toward returning the Bank to sustainable profitability while creating long-term value for our shareholders.”

Balance Sheet Review

Total assets decreased by

$258.4 million, or 7.9 percent, to $3.021 billion at September 30, 2026, from $3.279 billion at December 31, 2025. The decrease in total assets was mainly related to a decrease in net loans primarily due to our loan

sales in the third quarter, offset by an increase in cash.

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Total cash and cash equivalents increased by $223.8 million, or 80.9 percent, to

$500.3 million at September 30, 2026, from $276.6 million at December 31, 2025. The increase in cash was primarily due to proceeds from the loan sales and from the capital raise executed in the third quarter.

Gross loans receivable held for investment decreased by $475.0 million, or 17.4 percent, to $2.252 billion at September 30, 2026, from

$2.691 billion at December 31, 2025 due to the loan sales, the transfer of certain loans to held-for-sale, payoffs, paydowns and charge-offs. Total loan

decreases during the period included decreases of $287.2 million in commercial and multifamily loans, $65.2 million in cannabis loans, $55.1 million in construction loans, $42.3 million in commercial business loans,

$12.0 million in 1-4 family residential loans, $10.4 million in business express loans, and $2.8 million in home equity and consumer loans. The Bank had $67.6 million in loans held for sale

at September 30, 2026.

The allowance for credit losses on loans increased $36.6 million to $70.3 million, or 313.4 percent of non-accruing loans and 3.12 percent of gross loans held for investment, at September 30, 2026, as compared to an allowance for credit losses on loans of $33.7 million, or 53.3 percent of non-accruing loans and 1.24 percent of gross loans held for investment, at December 31, 2025.

Total

investment securities decreased by $594 thousand, or 0.4 percent, to $135.0 million at September 30, 2026, from $135.6 million at December 31, 2025, representing current year sales and paydowns, offset by current year

purchases.

Deposits decreased by $64.4 million, or 2.4 percent, to $2.609 billion at September 30, 2026, from $2.674 billion at

December 31, 2025. Brokered deposits, certificates of deposit accounts and savings accounts decreased $80.5 million, $18.0 million and $14.6 million, respectively, and were offset by increases in transaction accounts and money

market accounts of $27.1 million and $21.5 million, respectively.

FHLB Advances decreased by $135.0 million to $100.0 million at

September 30, 2026, from $235.0 million at December 31, 2025, due to maturities and paydowns. The weighted average interest rate of FHLB advances was 4.03 percent at September 30, 2026, and 4.53 percent at

December 31, 2025. The weighted average maturity of FHLB advances as of September 30, 2026, was less than ninety days. The interest rate of the Company’s subordinated debt balances was 9.25 percent at September 30, 2026, and at

December 31, 2025.

Stockholders’ equity decreased by $58.2 million, or 19.1 percent, to $246.1 million at September 30, 2026,

from $304.3 million at December 31, 2025. The decline was primarily attributable to the Company’s year-to-date net loss, partially offset by proceeds

from the aforementioned capital raise.

Asset Quality

The Bank had non-accrual loans totaling $22.4 million, or 1.00 percent of gross loans held for investment, at

September 30, 2026, as compared to $61.2 million, or 2.33 percent of gross loans held for investment, at June 30, 2026, and $63.3 million, or 2.32 percent of gross loans held for investment at December 31, 2025. The

Bank had total past due loans totaling $52.2 million, or 2.32 percent of gross loans held for investment, at September 30, 2026, as compared to $122.8 million, or 4.66 percent of gross loans held for investment, at June 30,

2026, and $99.1 million, or 3.64 percent of gross loans held for investment, at December 31, 2025. The Bank had total classified and criticized loans totaling $198.9 million, or 8.84 percent of gross loans held for

investment, at September 30, 2026, as compared to $367.4 million, or 13.96 percent of gross loans held for investment, at June 30, 2026, and $359.5 million, or 13.19 percent of gross loans held for investment, at

December 31, 2025.

The allowance for credit losses on loans of $70.3 million, as of September 30, 2026, increased by $25.3 million, or

56.2 percent, compared to June 30, 2026, and increased by $36.6 million, or 108.6 percent, compared to December 31, 2025. The $25.3 million increase from June 30, 2026 was primarily driven by higher reserves in the

commercial and multifamily real estate portfolio following a comprehensive review conducted by the Bank’s lending and credit teams.

The allowance

for credit losses was 313.4 percent of non-accrual loans at September 30, 2026, compared to73.5 percent of non-accrual loans at June 30, 2026, and

53.3 percent of non-accrual loans at December 31, 2025, respectively. The allowance for credit losses was 152.4 percent of classified loans held for investment at September 30, 2026,

compared to 28.0 percent of classified loans at June 30, 2026, and 17.9 percent of classified loans at December 31, 2025, respectively.

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Third Quarter 2026 Income Statement Review

The Company reported a net loss of $132.5 million for the quarter ended September 30, 2026, compared to net income of $4.3 million for the

quarter ended September 30, 2025. This decline was primarily due to a $110.9 million increase in loan loss provisioning. The net loss also reflects a $21.9 million increase in tax provision, a $2.1 million increase in professional

fees and a $1.6 million increase in salaries and employee benefits.

Interest income decreased by $4.7 million, or 10.8 percent, to

$38.4 million for the third quarter of 2026 from $43.0 million for the third quarter of 2025. The average balance of interest-earning assets decreased $302.7 million, or 9.3 percent, to $2.962 billion for the third quarter

of 2026 from $3.265 billion for the third quarter of 2025. The average yield decreased 9 basis points to 5.14 percent for the third quarter of 2026 from 5.23 percent for the third quarter of 2025.

Interest expense decreased by $3.6 million to $15.8 million for the third quarter of 2026 from $19.3 million for the third quarter of 2025. The

decrease resulted from a decrease in the average rate paid on interest-bearing liabilities of 29 basis points to 2.77 percent for the third quarter of 2026 from 3.06 percent for the third quarter of 2025, while the average balance of

interest-bearing liabilities decreased by $249.6 million to $2.256 billion for the third quarter of 2026 from $2.505 billion for the third quarter of 2025.

The net interest margin was 3.03 percent for the third quarter of 2026 compared to 2.88 percent for the third quarter of 2025. The increase in the

net interest margin compared to the third quarter of 2025 was the result of the decrease in the average cost of interest-bearing liabilities exceeding the decline in the average rate earned on earning assets.

The provision for credit losses was $115.0 million for the third quarter of 2026 compared to $4.1 million for the third quarter of 2025. The

increase was primarily driven by elevated net charge-offs recognized during the quarter related to loan sale transactions and the transfer of loans to held-for-sale

status, as well as higher loan loss reserves for the commercial and multifamily portfolio resulting from a detailed loan review. During the third quarter of 2026, the Company recognized $89.7 million in net charge-offs compared to

$16.9 million in net charge-offs in the third quarter of 2025. The Bank had non-accrual loans totaling $22.4 million, or 1.00 percent of gross loans held for investment, at September 30,

2026, as compared to $63.3 million, or 2.32 percent of gross loans, at December 31, 2025. The allowance for credit losses on loans was $70.3 million, or 3.12 percent of gross loans, at September 30, 2026, and

$33.7 million, or 1.24 percent of gross loans, at December 31, 2025.

Non-interest income increased

by $2.4 million to $5.2 million for the third quarter of 2026, compared to $2.7 million for the third quarter of 2025. The increase in total non-interest income was primarily attributable to a

$3.3 million gain on the sale of OREO, offset by a decrease in gains/losses on equity securities of $427 thousand. Service charges and fee income also declined by $305 thousand.

Non-interest expense increased by $5.2 million, or 31.6 percent, to $21.8 million for the third quarter

of 2026 compared to $16.6 million for the third quarter of 2025. The increase was driven by professional fees, salaries and benefits and other expenses which increased $2.1 million, $1.6 million and $1.4 million, respectively.

The increase in other expenses can be attributed to the expenses associated with the aforementioned loan sales.

The income tax provision for the third

quarter of 2026 was $23.5 million compared to $1.5 million for the third quarter of 2025. The substantial change was primarily attributable to a non-cash charge of $59.9 million related to the

establishment of a full valuation allowance against the Company’s deferred tax assets. The valuation allowance reflects management’s assessment of the Company’s recent operating results including losses associated with loan sale

activity and loans transferred to held-for-sale at the lower of cost or market.

Year-to-Date Income Statement Review

Net loss for the first nine months of 2026 was $142.3 million compared to a net loss of $498 thousand for the first nine months of 2025. The

increased net loss was primarily attributable to the Bank recording $106.9 million more in loan loss provisioning and recording $13.0 million more in non-interest expense.

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Net interest income for the first nine months of 2026 decreased $37 thousand, as interest income

decreased by $11.2 million, or 8.6 percent, to $119.2 million compared to $130.4 million for the first nine months of 2025 and interest expense decreased $11.1 million to $50.5 million for the first nine months of 2026,

compared to $61.6 million for the first nine months of 2025. The average balance of interest-earning assets decreased $272.5 million, or 8.2 percent, to $3.065 billion for the first nine months of 2026 compared to

$3.338 billion for the first nine months of 2025. The average yield on interest-earning assets decreased 2 basis points to 5.20 percent for the first nine months of 2026 compared to 5.22 percent for the first nine months of 2025. The

decline in average interest-earning assets was primarily due to a $283.1 million decrease in average loans, partially offset by a $17.0 million increase in average investment securities. The decrease in interest expense was driven by

declines in interest expense on borrowings and deposits of $5.8 million and $5.3 million, respectively. Average borrowings decreased $194.2 million, while the average rate paid on borrowings increased by 74 basis points to

5.60 percent. Average deposits declined $30.1 million and the average rate paid on deposits declined 29 basis points to 2.58 percent.

Net

interest margin was 3.00 percent for the first nine months of 2026 compared to a net interest margin of 2.76 percent for the first nine months of 2025. The increase in the net interest margin compared to the prior period was the result of

a decrease in the cost of the Company’s interest-bearing liabilities, by 33 basis points to 2.86 percent offset by a decrease in the rate earned on earning assets, by 2 basis points to 5.20 percent.

The provision for credit losses for the first nine months of 2026 was $136.7 million compared to $29.8 million for the same period in 2025. Net

charge-offs for the first nine months of 2026 were $100.2 million compared to $26.8 million for the same period in 2025. The higher provision primarily reflected elevated loan losses recognized during the year and increased reserves within

the commercial and industrial and commercial and multifamily loan portfolios. Reserve levels were increased following detailed credit reviews conducted by the lending and credit teams, resulting in the allowance for commercial and industrial loans

increasing from $6.7 million at December 31, 2025 to $16.0 million at September 30, 2026, and the allowance for commercial and multifamily loans increasing from $12.1 million to $38.7 million over the same period.

Non-interest income increased by $191 thousand to $6.8 million for the first nine months of 2026 compared to

$6.6 million for the same period in 2025. The increase in total non-interest income was primarily attributable to a $3.3 million gain on the sale of OREO and $412 thousand more in income on Bank

Owned Life Insurance (“BOLI”), partially offset by an increase in loss on sale of loans of $2.6 million and an increase in losses on equity securities of $545 thousand.

Non-interest expense increased by $13.0 million, or 27.9 percent, to $59.5 million for the first nine

months of 2026 from $46.5 million for the same period in 2025. The increase was driven by a $5.3 million non-cash goodwill impairment charge and a $4.2 million increase in salaries and employee

benefits expense. The increase in salaries and benefits included $1.5 million in severance costs recognized during the first nine months of the year. Professional fees, other expenses, advertising expenses and OREO expenses increased

$1.8 million, $1.2 million, $417 thousand and $454 thousand, respectively. Partially offsetting these increases were decreases in director fees and regulatory assessments of $302 thousand and $277 thousand,

respectively.

The income tax provision for the first nine months of 2026 was $21.7 million compared to an income tax benefit of $386 thousand

for the same period in 2025. The substantial change was primarily attributable to a non-cash charge of $59.9 million related to the establishment of a full valuation allowance against the Company’s

deferred tax assets. The valuation allowance reflects management’s assessment of the Company’s recent operating results including losses associated with loan sale activity and loans transferred to held-for-sale at the lower of cost or market.

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Investor Conference Call

Management will host a conference call on Thursday, October 29, 2026 at 8:45 a.m. Eastern Time to discuss the results.

Interested investors are invited to dial 1-833-461-5787 using conference ID 505095944 to participate in the

call.

A replay of the call will be available

at https://investorrelations.bcbcommunitybank.com/corporate-information/corporate-profile/default.aspx.

About BCB Bancorp, Inc.

Established in 2000 and headquartered in Bayonne, N.J., BCB Community Bank is the wholly-owned subsidiary of BCB Bancorp, Inc. (NASDAQ: BCBP). The Bank has

twenty-two branch offices in Bayonne, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark, Plainsboro, River Edge, Rutherford, South Orange, Union, and Woodbridge, New Jersey, and four branches offices in

Hicksville and Staten Island, New York. The Bank provides businesses and individuals a wide range of loans, deposit products, and retail and commercial banking services. For more information, please go to www.bcb.bank.

Forward-Looking Statements

This release, like many

written and oral communications presented by BCB Bancorp, Inc., and our authorized officers, may contain certain forward-looking statements regarding our prospective performance and strategies within the meaning of Section 27A of the Securities

Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. We intend such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private

Securities Litigation Reform Act of 1995, and are including this statement for purposes of said safe harbor provisions. Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of the

Company, are generally identified by use of words “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” “project,” “seek,”

“strive,” “try,” or future or conditional verbs such as “could,” “may,” “should,” “will,” “would,” or similar expressions. Our ability to predict results or the

actual effects of our plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

The

most significant factors that could cause future results to differ materially from those anticipated by our forward-looking statements include the global impact of the United States military conflict with Iran, the periodic Federal budget and

funding stalemates in Congress, the ongoing impact of global tariffs imposed by the Trump administration, higher inflation levels, changes in market interest rates and general economic concerns, all of which could impact our customers’

businesses and the economy and could cause increased loan delinquencies, a reduction in financial transactions and business activities, including decreased deposits and reduced loan originations. Other factors that could cause future results to vary

materially from current management expectations as reflected in our forward-looking statements include, but are not limited to: global economic trends and geopolitical risks, including the ongoing conflicts in the Middle East, and changes in the

rate of investment or economic growth, including as a result of sanctions, tariffs or other measures; supply chain disruptions and labor shortages; the impact of any future pandemics or other natural disasters; unfavorable economic conditions in the

United States generally and particularly in our primary market area and those of our customers; including the periodic Federal budget and funding stalemates in the U.S. Congress; the Company’s ability to effectively attract and deploy

deposits; changes in the Company’s corporate strategies, the composition of its assets, or the way in which it funds those assets;the pending sale of the Company’s cannabis business, which may not be completed in accordance with expected

plans or the currently contemplated timeline, or at all, and may be disruptive to the Company and/or reduce the Company’s profitability in future periods; our ability to complete our proposed reincorporation from New Jersey to Delaware,

including our ability to receive shareholder approval of the proposed reincorporation, and our ability to realize the anticipated benefits of the proposed reincorporation; shifts in investor sentiment or behavior in the securities, capital, or other

financial markets, including changes in market liquidity or volatility; the effects of declines in real estate values that may adversely impact the collateral underlying our loans; increase in unemployment levels and slowdowns in economic growth;

changes in the credit performance of our loan portfolio, including levels of criticized and classified loans, nonaccrual loans, and charge-offs; the impact of changes in interest rates and the credit quality and strength of underlying collateral and

the effect of such changes on the market value of our loan and investment securities portfolios; the credit risk associated with our loan portfolio; changes in the quality and composition of the Bank’s loan and investment portfolios; changes

in liquidity levels, funding

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

sources, or funding costs, and our ability to manage our liquidity risks; deposit flows; legislative and regulatory changes, including increases in Federal Deposit Insurance Corporation, or FDIC,

insurance rates; monetary and fiscal policies of the federal and state governments; changes in tax policies, rates and regulations of federal, state and local tax authorities; demands for our loan products; demand for financial services;

competition; changes in the securities or secondary loan markets; changes in management’s business strategies; our ability to enter new markets successfully; our ability to successfully integrate acquired businesses; changes in consumer

spending; our ability to hire and retain key employees; the effects of any reputational, credit, interest rate, market, operational, legal, liquidity, or regulatory risk; potential impact of regulatory requirements, matters, litigation, or other

legal actions which could adversely affect operating results; failure to identify and adequately and promptly address cybersecurity risks, including data breaches and cyberattacks; developments in technology, such as artificial intelligence, and our

ability to incorporate innovative technologies in our business and provide products and services that satisfy our customers’ expectations for convenience and security; civil unrest in the communities that we serve; changes in accounting

principles and guidelines; and other factors discussed elsewhere in this report, and in other reports we filed with the SEC, including under “Risk Factors” in Part I, Item 1A of our Annual Report on Form

10-K filed for the year ended December 31, 2025, and our other periodic reports that we file with the SEC.

Annualized, pro forma, projected and estimated numbers are used for illustrative purposes only, are not forecasts and may not reflect actual results.

Explanation of Non-GAAP Financial Measures

Reported amounts are presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”). This press

release also contains certain supplemental Non-GAAP information that the Company’s management uses in its analysis of the Company’s financial results. The Company’s management believes that

providing this information to analysts and investors allows them to better understand and evaluate the Company’s financial results for the periods in question.

The Company provides measurements and ratios based on tangible stockholders’ equity and efficiency ratios. These measures are utilized by regulators and

market analysts to evaluate a company’s financial condition and, therefore, the Company’s management believes that such information is useful to investors. For a reconciliation of GAAP to Non-GAAP

financial measures included in this press release, see “Reconciliation of GAAP to Non-GAAP Financial Measures” below.

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Statements of Operations -Three Months Ended,

September 30, 2026

June 30, 2026

September 30, 2025

Sept. 30, 2026 vs.

June 30, 2026

Sept. 30, 2026

vs.Sept. 30, 2025

Interest and dividend income:

(In thousands, except per share amounts, Unaudited)

Loans, including fees

34,213

35,856

38,278

-4.6

-10.6

Mortgage-backed securities

948

960

843

-1.3

12.5

Other investment securities

1,128

1,113

1,114

1.3

FHLB stock and other interest-earning assets

2,086

2,532

2,807

-17.6

-25.7

Total interest and dividend income

38,375

40,461

43,042

-5.2

-10.8

Interest expense:

—

Deposits:

Demand

5,645

5,413

5,608

4.3

0.7

Savings and club

112

233

-13.4

-58.4

Certificates of deposit

7,864

8,266

9,445

-4.9

-16.7

13,606

13,791

15,286

-1.3

-11.0

Borrowings

2,170

3,325

4,045

-34.7

-46.4

Total interest expense

15,776

17,116

19,331

-7.8

-18.4

Net interest income

22,599

23,345

23,711

-3.2

-4.7

Provision for credit losses

114,961

18,987

4,080

505.5

2717.7

Net interest (loss) income after provision for credit losses

(92,362

)

4,358

19,631

-2219.4

-570.5

Non-interest income (loss):

Fees and service charges

1,006

1,313

1,311

-23.4

-23.3

(Loss) gain on sales of loans

—

(2,607

)

-100.0

Gain on sale of other real estate owned

3,283

—

Realized and unrealized (loss) gain on equity investments

(77

)

(248

)

350

-69.0

-122.0

Bank-owned life insurance (“BOLI”) income

874

917

931

-4.7

-6.1

Other

155

132

-44.5

-34.8

Total non-interest income (loss)

5,172

(470

)

2,745

-1200.4

88.4

Non-interest expense:

Salaries and employee benefits

9,937

9,395

8,324

5.8

19.4

Occupancy and equipment

2,675

2,562

4.4

Data processing and communications

2,031

1,968

2,047

3.2

-0.8

Professional fees

2,873

562

800

411.2

259.1

Director fees

244

305

—

-20.0

Regulatory assessment fees

805

650

984

23.8

-18.2

Advertising and promotions

407

489

284

-16.8

43.3

Other real estate owned, net

174

130

—

33.8

—

Impairment of Goodwill

—

5,253

—

Other

2,653

879

1,264

201.8

109.9

Total non-interest expense

21,799

22,132

16,570

-1.5

31.6

(Loss) Income before income tax (benefit) provision

(108,989

)

(18,244

)

5,806

497.4

-1977.2

Income tax provision (benefit)

23,464

(3,468

)

1,544

-776.6

1419.7

Net (Loss) Income

(132,453

)

(14,776

)

4,262

796.4

-3207.8

Preferred stock dividends

—

482

—

Net (Loss) Income available to common stockholders

(132,453

)

(14,776

)

3,780

796.4

-3604.2

Net (Loss) Income per common share-basic and diluted

Basic

(6.92

)

(0.85

)

0.22

710.6

-3250.8

Diluted

(6.92

)

(0.85

)

0.22

710.6

-3250.8

Weighted average number of common shares outstanding

Basic

19,137

17,306

17,207

10.6

11.2

Diluted

19,137

17,306

17,207

10.6

11.2

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Statements of Operations -Nine Months Ended,

September 30, 2026

September 30, 2025

Sept. 30, 2026

vs.Sept. 30, 2025

Interest and dividend income:

(In thousands, except per share amounts, Unaudited)

Loans, including fees

105,947

115,855

-8.6

Mortgage-backed securities

2,747

2,169

26.6

Other investment securities

3,231

3,139

2.9

FHLB stock and other interest-earning assets

7,313

9,252

-21.0

Total interest and dividend income

119,238

130,415

-8.6

Interest expense:

Deposits:

Demand

16,228

16,610

-2.3

Savings and club

345

601

-42.6

Certificates of deposit

24,722

29,377

-15.8

41,295

46,588

-11.4

Borrowings

9,162

15,009

-39.0

Total interest expense

50,457

61,597

-18.1

Net interest income

68,781

68,818

-0.1

Provision for credit losses

136,736

29,816

358.6

Net interest (loss) income after provision for credit losses

(67,955

)

39,002

-274.2

Non-interest income:

Fees and service charges

3,510

3,789

-7.4

(Loss) gain on sales of loans

(2,600

)

—

Gain on sales of other real estate owned

3,283

—

Realized and unrealized (loss) gain on equity investments

(418

)

127

-429.1

Bank-owned life insurance (“BOLI”) income

2,737

2,325

17.7

Other

291

350

-16.9

Total non-interest income

6,803

6,612

2.9

Non-interest expense:

Salaries and employee benefits

27,659

23,440

18.0

Occupancy and equipment

7,961

7,787

2.2

Data processing and communications

6,022

5,937

1.4

Professional fees

4,062

2,259

79.8

Director fees

734

1,036

-29.2

Regulatory assessments

2,220

2,497

-11.1

Advertising and promotions

1,096

679

61.4

Other real estate owned, net

454

—

Impairment of Goodwill

5,253

—

Other

4,021

2,863

40.4

Total non-interest expense

59,482

46,498

27.9

Loss before income tax benefit

(120,634

)

(884

)

13546.4

Income tax provision (benefit)

21,691

(386

)

-5719.4

Net Loss

(142,325

)

(498

)

28479.3

Preferred stock dividends

482

1,446

-66.7

Net Loss available to common stockholders

(142,807

)

(1,944

)

7244.3

Net Loss per common share-basic and diluted

Basic

(7.98

)

(0.11

)

6945.1

Diluted

(7.98

)

(0.11

)

6945.1

Weighted average number of common shares outstanding

Basic

17,894

17,165

4.2

Diluted

17,894

17,165

4.2

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Statements of Financial Condition

September 30, 2026

June 30, 2026

December 31, 2025

Sept. 30, 2026 vs.

June 30, 2026

Sept. 30, 2026 vs.

December 31, 2025

ASSETS

(In Thousands, Unaudited)

Cash and amounts due from depository institutions

13,236

14,573

13,794

-9.2

-4.0

Interest-earning deposits

487,077

182,314

262,790

167.2

85.3

Total cash and cash equivalents

500,313

196,887

276,584

154.1

80.9

Interest-earning time deposits

735

—

Debt securities available for sale

134,973

148,428

126,395

-9.1

6.8

Equity investments

—

3,851

9,172

-100.0

Loans held for sale

67,556

10,777

—

526.9

—

Loans receivable, net of allowance for credit losses on loans of $70,270, $44,980, and

$33,691 respectively

2,179,697

2,587,984

2,691,091

-15.8

-19.0

Federal Home Loan Bank of New York (“FHLB”) stock, at cost

7,911

9,048

14,176

-12.6

-44.2

Premises and equipment, net

11,575

11,737

12,056

-1.4

-4.0

Accrued interest receivable

13,625

14,661

13,834

-7.1

-1.5

Other real estate owned

—

5,000

-100.0

Deferred income taxes

—

24,794

22,209

-100.0

Goodwill

—

5,253

—

-100.0

Operating lease

right-of-use asset

10,172

10,479

10,660

-2.9

-4.6

Bank-owned life insurance (“BOLI”)

82,103

81,229

79,366

1.1

3.4

Other assets

12,427

12,516

12,935

-0.7

-3.9

Total Assets

3,021,087

3,118,126

3,279,466

-3.1

-7.9

LIABILITIES AND STOCKHOLDERS’ EQUITY

LIABILITIES

Non-interest bearing deposits

523,077

514,648

531,140

1.6

-1.5

Interest bearing deposits

2,086,069

2,121,375

2,142,433

-1.7

-2.6

Total deposits

2,609,146

2,636,023

2,673,573

-1.0

-2.4

FHLB advances

100,000

125,000

235,000

-20.0

-57.4

Subordinated debentures

43,397

43,335

43,210

0.1

0.4

Operating lease liability

10,644

10,953

11,140

-2.8

-4.5

Other liabilities

11,818

10,896

12,259

8.5

-3.6

Total Liabilities

2,775,005

2,826,207

2,975,182

-1.8

-6.7

STOCKHOLDERS’ EQUITY

Preferred stock: $0.01 par value, 10,000 shares authorized

—

Additional paid-in capital preferred stock

25,243

—

Common stock: no par value, 40,000 shares authorized

—

Additional paid-in capital common stock

296,623

204,451

203,429

45.1

45.8

Retained (deficit) earnings

(29,228

)

103,225

116,415

-128.3

-125.1

Accumulated other comprehensive loss

(8,209

)

(2,653

)

(2,456

)

209.4

234.2

Treasury stock, at cost

(38,347

)

(38,347

)

(38,347

)

—

Total Stockholders’ Equity

246,082

291,919

304,284

-15.7

-19.1

Total Liabilities and Stockholders’ Equity

3,021,087

3,118,126

3,279,466

-3.1

-7.9

Outstanding common shares

30,752

18,102

17,274

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Three Months Ended September 30,

2026

2025

Average Balance

Interest Earned/Paid

Average Yield/Rate (3)

Average Balance

Interest Earned/Paid

Average Yield/Rate (3)

(Dollars in thousands)

Interest-earning assets:

Loans Receivable (4)(5)

2,589,769

34,213

5.24

2,879,810

38,278

5.27

Investment Securities

147,103

2,076

5.65

134,419

1,957

5.82

Other Interest-earning

assets (6)

225,546

2,086

3.67

250,869

2,807

4.44

Total Interest-earning assets

2,962,418

38,375

5.14

3,265,098

43,042

5.23

Non-interest-earning assets

128,587

115,212

—

Total assets

3,091,005

3,380,310

Interest-bearing liabilities:

Interest-bearing demand accounts

541,227

2,254

1.65

504,860

2,057

1.62

Money market accounts

452,814

3,391

2.97

432,922

3,551

3.25

Savings accounts

230,980

0.17

258,165

233

0.36

Certificates of Deposit

880,015

7,864

3.55

978,503

9,445

3.83

Total interest-bearing deposits

2,105,036

13,606

2.56

2,174,450

15,286

2.79

Borrowed funds

150,494

2,170

5.72

330,694

4,045

4.85

Total interest-bearing liabilities

2,255,530

15,776

2.77

2,505,144

19,331

3.06

Non-interest-bearing liabilities

531,203

559,185

Total liabilities

2,786,733

3,064,329

Stockholders’ equity

304,272

315,981

Total liabilities and stockholders’ equity

3,091,005

3,380,310

Net interest income

22,599

23,711

Net interest rate spread (1)

2.36

2.17

Net interest margin (2)

3.03

2.88

(1)

Net interest rate spread represents the difference between the average yield on average interest-earning assets

and the average cost of average interest-bearing liabilities.

(2)

Net interest margin represents net interest income divided by average total interest-earning assets.

(3)

Annualized.

(4)

Excludes allowance for credit losses.

(5)

Includes non-accrual loans

(6)

Includes Federal Home Loan Bank of New York Stock

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Nine Months Ended September 30,

2026

2025

Average Balance

Interest Earned/Paid

Average Yield/Rate (3)

Average Balance

Interest Earned/Paid

Average Yield/Rate (3)

(Dollars in thousands)

Interest-earning assets:

Loans Receivable (4)(5)

2,652,538

105,947

5.34

2,935,643

115,855

5.28

Investment Securities

145,569

5,978

5.49

128,570

5,308

5.52

Other interest-earning

assets (6)

267,275

7,313

3.66

273,678

9,252

4.52

Total Interest-earning assets

3,065,382

119,238

5.20

3,337,891

130,415

5.22

Non-interest-earning assets

134,679

118,092

—

Total assets

3,200,061

3,455,983

Interest-bearing liabilities:

Interest-bearing demand accounts

531,479

6,419

1.61

531,311

6,656

1.67

Money market accounts

444,940

9,809

2.95

415,214

9,954

3.21

Savings accounts

236,812

345

0.19

256,384

601

0.31

Certificates of Deposit

927,913

24,722

3.56

968,338

29,377

4.06

Total interest-bearing deposits

2,141,144

41,295

2.58

2,171,247

46,588

2.87

Borrowed funds

218,906

9,162

5.60

413,133

15,009

4.86

Total interest-bearing liabilities

2,360,050

50,457

2.86

2,584,380

61,597

3.19

Non-interest-bearing liabilities

533,874

553,396

Total liabilities

2,893,924

3,137,776

Stockholders’ equity

306,137

318,207

Total liabilities and stockholders’ equity

3,200,061

3,455,983

Net interest income

68,781

68,818

Net interest rate spread (1)

2.34

2.04

Net interest margin (2)

3.00

2.76

(1)

Net interest rate spread represents the difference between the average yield on average interest-earning assets

and the average cost of average interest-bearing liabilities.

(2)

Net interest margin represents net interest income divided by average total interest-earning assets.

(3)

Annualized.

(4)

Excludes allowance for credit losses.

(5)

Includes non-accrual loans

(6)

Includes Federal Home Loan Bank of New York Stock

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Financial Condition data by quarter

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

(In thousands, except book values)

Total assets

3,021,087

3,118,126

3,269,097

3,279,466

3,353,065

Cash and cash equivalents

500,313

196,887

293,737

276,584

249,614

Securities

134,973

152,279

143,092

135,567

125,292

Loans receivable, net

2,179,697

2,587,984

2,655,981

2,691,091

2,788,932

Deposits

2,609,146

2,636,023

2,672,429

2,673,573

2,687,387

Borrowings

143,397

168,335

268,272

278,210

323,922

Stockholders’ equity

246,082

291,919

307,380

304,284

318,453

Book value per common share (1)

7.18

14.73

16.25

16.15

17.02

Tangible book value per common share

(2)

7.18

14.73

15.95

15.85

16.71

Operating data by quarter

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

(In thousands, except for per share amounts)

Net interest income

22,599

23,345

22,837

24,223

23,711

Provision for credit losses

114,961

18,987

2,788

12,195

4,080

Non-interest (loss) income

5,172

(470

)

2,101

1,943

2,745

Non-interest expense

21,799

22,132

15,551

31,385

16,570

Income tax expense (benefit)

23,464

(3,468

)

1,695

(5,385

)

1,544

Net income (loss)

(132,453

)

(14,776

)

4,904

(12,029

)

4,262

Net income (loss) per diluted share

(6.92

)

(0.85

)

0.26

(0.73

)

0.22

Common Dividends declared per share

—

0.08

0.16

Financial Ratios(3)

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

Return on average assets

(17.00

(1.83

0.61

(1.44

0.50

Return on average stockholders’ equity

(172.70

(19.22

6.50

(14.99

5.35

Net interest margin

3.03

2.95

3.03

2.88

Stockholders’ equity to total assets

8.15

9.36

9.40

9.28

9.50

Efficiency Ratio (4)

78.50

96.75

62.36

119.95

62.63

Asset Quality Ratios

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

(In thousands, except for ratio %)

Non-Accrual Loans (5)

22,422

61,234

59,805

63,255

93,517

Non-Accrual Loans as a % of Total Loans (5)

1.00

2.33

2.22

2.32

3.31

ACL as % of Non-Accrual Loans

313.4

73.5

54.5

53.3

40.4

Individually Analyzed Loans

41,194

124,832

160,600

162,226

129,358

Criticized Loans (5)

152,733

206,977

208,341

170,789

220,769

Classified Loans (5)

46,119

160,454

194,663

188,735

228,256

Past Due loans (5)

52,169

122,759

107,947

99,132

174,006

(1)

Calculated by dividing stockholders’ equity, less preferred equity, by shares outstanding.

(2)

Calculated by dividing tangible stockholders’ common equity, a

non-GAAP measure, by shares outstanding. Tangible stockholders’ common equity is stockholders’ equity less goodwill and preferred stock. See “Reconciliation of GAAP to Non-GAAP Financial Measures by quarter.”

(3)

Ratios are presented on an annualized basis, where appropriate.

(4)

The Efficiency Ratio, a non-GAAP measure, was calculated by dividing non-interest expense by the total of net interest income and non-interest income. See “Reconciliation of GAAP to Non-GAAP

Financial Measures by quarter.”

(5)

Excludes loans include Held for Sale loan

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Recorded Investment in Loans Receivable by quarter

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

(In thousands)

Residential

one-to-four family

214,707

218,750

223,708

226,708

227,140

Commercial and multi-family

1,753,542

2,009,865

2,021,827

2,040,768

2,080,088

Cannabis related

4,070

69,190

68,876

69,293

69,102

Construction

13,434

33,298

68,362

68,521

105,980

Commercial business

126,172

157,523

160,088

168,459

192,762

Business Express

64,503

68,949

71,215

74,862

78,253

Home equity

72,710

73,935

72,716

74,332

73,566

Consumer

2,376

3,401

3,584

3,580

2,042

2,251,514

2,634,911

2,690,376

2,726,523

2,828,933

Less:

Deferred loan fees, net

(1,547

)

(1,947

)

(1,817

)

(1,741

)

(2,198

)

Allowance for credit losses on loans

(70,270

)

(44,980

)

(32,578

)

(33,691

)

(37,803

)

Total loans, net

2,179,697

2,587,984

2,655,981

2,691,091

2,788,932

Non-Accruing Loans in Portfolio by quarter (1)

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

(In thousands)

Residential

one-to-four family

3,018

1,515

1,576

1,554

1,410

Commercial and multi-family

17,491

54,478

52,297

52,159

70,546

Construction

—

2,587

3,173

4,897

2,310

Commercial business

1,724

2,397

2,418

3,725

17,442

Business Express

—

1,335

Home equity

189

257

341

294

474

Total:

22,422

61,234

59,805

62,629

93,517

(1) Excludes Held for Sale

loan

Distribution of Deposits by quarter

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

(In thousands)

Demand:

Non-Interest Bearing

523,076

514,648

521,317

531,140

536,908

Interest Bearing

536,344

517,627

511,465

501,172

477,427

Money Market

447,605

446,918

448,397

426,138

422,424

Sub-total:

1,507,025

1,479,193

1,481,179

1,458,450

1,436,759

Savings and Club

229,087

230,532

240,048

243,670

254,554

Certificates of Deposit

873,034

926,298

951,202

971,453

996,074

Total Deposits:

2,609,146

2,636,023

2,672,429

2,673,573

2,687,387

BCBP Reports Third Quarter 2026 Results

October 29, 2026

Page

Reconciliation of GAAP to Non-GAAP Financial Measures by

quarter

Tangible Book Value per Share

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

(In thousands, except per share amounts)

Total Stockholders’ Equity

246,082

291,919

307,380

304,284

318,453

Less: goodwill

—

5,253

Less: preferred stock

25,243

Total tangible common stockholders’ equity

220,839

266,676

276,884

273,788

287,957

Common shares outstanding

30,752

18,102

17,359

17,274

17,228

Book value per common share

7.18

14.73

16.25

16.15

17.02

Tangible book value per common share

7.18

14.73

15.95

15.85

16.71

Efficiency Ratios

Q3 2026

Q2 2026

Q1 2026

Q4 2025

Q3 2025

(In thousands, except for ratio %)

Net interest income

22,599

23,345

22,837

24,223

23,711

Non-interest (loss)income

5,172

(470

)

2,101

1,943

2,745

Total income

27,771

22,875

24,938

26,166

26,456

Non-interest expense

21,799

22,132

15,551

31,385

16,570

Efficiency Ratio

78.50

96.75

62.36

119.95

62.63

GRAPHIC

Filename: g180307g1029041614233.jpg · Sequence: 6

Binary file (5508 bytes)

Download g180307g1029041614233.jpg

GRAPHIC

Filename: g180307g1029041614486.jpg · Sequence: 7

Binary file (2606 bytes)

Download g180307g1029041614486.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 9

v3.26.3

Document and Entity Information

Oct. 29, 2026

Cover [Abstract]

Entity Registrant Name

BCB BANCORP INC

Amendment Flag

false

Entity Central Index Key

0001228454

Document Type

8-K

Document Period End Date

Oct. 29, 2026

Entity Incorporation State Country Code

Entity File Number

0-50275

Entity Tax Identification Number

26-0065262

Entity Address, Address Line One

104-110 Avenue C

Entity Address, City or Town

Bayonne

Entity Address, State or Province

Entity Address, Postal Zip Code

07002

City Area Code

(800)

Local Phone Number

680-6872

Written Communications

false

Soliciting Material

false

Pre Commencement Tender Offer

false

Pre Commencement Issuer Tender Offer

false

Security 12b Title

Common Stock, no par value

Trading Symbol

BCBP

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration