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BCB Bancorp, Inc. (BCBP) reported a change in its independent registered public accounting firm. On September 2, 2026, the company dismissed Wolf & Company, P.C. as its auditor following approval by the Audit Committee and, on the same date, engaged Deloitte & Touche LLP as its new auditor, subject to Deloitte’s customary client acceptance procedures.
The company states that for the fiscal years ended December 31, 2025 and 2024 and the interim period through September 2, 2026, there were no disagreements with Wolf & Company on accounting principles, financial statement disclosure, or audit scope, and no reportable events under Item 304(a)(1)(v) of Regulation S-K. Wolf & Company’s prior reports contained no adverse opinions or disclaimers. The company also reports that it did not consult Deloitte on accounting matters or audit opinions during these periods.
BCB Bancorp, Inc. has put in place a shelf registration that permits it to offer up to $100,000,000 of common stock, preferred stock, debt securities, warrants, subscription rights, depositary shares, purchase contracts and units, in one or more offerings, from time to time. Specific terms and pricing for each issuance will be set in a related prospectus supplement, and net proceeds will be used for general corporate purposes.
BCB Bancorp is the holding company for BCB Community Bank, a community‑oriented financial institution. At June 30, 2026 it reported $3.118 billion in consolidated assets, $2.636 billion in deposits and $291.9 million in stockholders’ equity. As of August 14, 2026 there were 18,101,822 common shares outstanding; its common stock trades on the Nasdaq Global Market under the symbol “BCBP,” with a last reported price of $9.00 on August 13, 2026.
The company has outstanding Series J 8.0% and Series K 6% noncumulative perpetual preferred stock and has suspended quarterly cash dividends on its common and preferred stock as of June 18, 2026. It also has $40 million of 9.250% subordinated notes due 2034 and $4.1 million of trust preferred securities outstanding. On August 3, 2026 the board approved, subject to shareholder approval, a proposal to reincorporate from New Jersey to Delaware and move to annual director elections.
BCB Bancorp, Inc. reports weaker results for the quarter and six months ended June 30, 2026. Total assets were about $3.12 billion, down from $3.28 billion at December 31, 2025, while total deposits declined modestly to $2.64 billion.
For the June 2026 quarter, the company recorded a net loss of $14.8 million, compared with net income of $3.6 million a year earlier. Net interest income was relatively stable at $23.3 million, but results were heavily affected by a sharply higher provision for credit losses on loans of $19.0 million and a $5.3 million goodwill impairment. Non-interest income also included losses on loan sales and equity investments.
For the first six months of 2026, BCB reported a net loss of $9.9 million, versus a $4.8 million loss in 2025 and $8.7 million of net income in 2024. Operating cash flow remained positive at $14.7 million. The company reduced Federal Home Loan Bank advances from $235.0 million to $125.0 million, but stockholders’ equity declined to $291.9 million, partly reflecting losses and dividends.
BCB Bancorp, Inc. discussed second-quarter 2026 results and an ongoing balance-sheet cleanup under new CEO Thomas O’Brien, about 60 days into the role. The company has suspended dividends on both common and preferred shares to retain holding-company liquidity and build capital at the bank. Net interest margin saw a small improvement, rising by about 8 basis points to just over 3%. The quarter’s loss included a $5.3 million goodwill write-off, the only intangible on the balance sheet, and a substantial loan loss provision of $19 million, with $16.7 million tied to the C&I portfolio.
Management is conducting a comprehensive review of credit, focused on C&I, commercial real estate and the Business Express loan portfolio after aggressive growth from 2020–2023 and entry into businesses they “didn’t fully understand.” Business Express losses were about $10 million in 2025 and similar in 2024, but only $1.1 million year-to-date 2026, with reserve coverage at 15%. A broad C&I and CRE re-underwriting is underway, with leadership targeting clearer visibility on capital and portfolio disposition around Labor Day and the goal to “cleanse” financial statements by the third quarter. Core operating revenue has held near $25 million per quarter, but expenses will stay elevated near term due to consultants and legal work. The company highlights holding-company “double leverage” and subordinated debt as key constraints, is evaluating capital options, and plans to reincorporate in Delaware and eliminate staggered board terms to modernize governance.
BCB Bancorp, Inc. reported a second‑quarter 2026 net loss of $14.8 million, or ($0.85) per diluted share, compared with net income of $3.6 million a year earlier. For the first six months of 2026, the company posted a net loss of $9.9 million. Results were driven by a $19.0 million provision for credit losses, a $5.3 million non‑cash goodwill impairment that fully wrote off goodwill, and a $2.6 million loss on a nonaccrual construction loan moved to held‑for‑sale. The allowance for credit losses rose to $45.0 million, or 1.71 percent of gross loans, while non‑accrual loans increased to $72.0 million, or 2.73 percent of gross loans, reflecting elevated net charge‑offs in the commercial and industrial and Business Express portfolios.
Total assets declined to $3.118 billion, with net loans down to $2.588 billion and cash reduced as the bank paid down wholesale funding. Deposits eased modestly to $2.636 billion, and debt obligations, including Federal Home Loan Bank advances, fell to $168.3 million. Despite the loss, capital remained above well‑capitalized levels. The net interest margin improved to 3.03 percent, up from 2.80 percent in the prior‑year quarter, as interest expense declined. To preserve capital and liquidity, the board suspended common and preferred dividends, and the bank stopped originating residential mortgage, home equity and consumer loans while it conducts a comprehensive credit review with independent consultants.
The board also approved a proposal to change the company’s state of incorporation from New Jersey to Delaware and to replace staggered board terms with annual director elections, subject to shareholder approval at a special meeting expected later in the year.
BCB Bancorp, Inc., holding company for BCB Community Bank, announced plans to report its second quarter 2026 financial results before the market opens on Monday, August 3, 2026. Management will host an earnings conference call and webcast that day at 8:45 a.m. Eastern Time to discuss the results.
Investors can join the call by dialing 1-800-715-9871 with conference ID 3209751, with a replay available online. BCB Community Bank, established in 2000 and headquartered in Bayonne, New Jersey, operates 22 branches in New Jersey and 4 branches in New York, offering a range of retail and commercial banking services.
BCB Bancorp Inc. Chief Executive Officer Thomas M. O'Brien reports direct ownership of 709,220 shares of common stock, reflecting a restricted stock inducement award. The award vests in five equal installments of 141,844 shares each December 31 from 2026 through 2030, with specified acceleration provisions tied to Change of Control, board service, death, disability, and certain employment terminations.
Dimensional Fund Advisors LP, acting as investment adviser to various funds, reports that those funds collectively hold 750,081 shares of BCB Bancorp Inc. common stock, representing 4.3% of the class. Dimensional may be deemed a beneficial owner for Section 13(d) purposes but disclaims beneficial ownership, as all securities are owned by the underlying funds.
Dimensional reports sole power to vote 731,082 shares and sole power to dispose of 750,081 shares, with no shared voting or dispositive power. The holding is characterized as ownership of 5 percent or less of the class, and each individual fund’s interest is stated to be below 5% of the outstanding common stock.
BCB Bancorp, Inc. has suspended its 2026 Amended and Restated Dividend Reinvestment and Stock Purchase Plan, effective August 6, 2026. After that date, the company will no longer accept or process new dividend reinvestments or optional cash purchases, and any unprocessed optional cash investments will be returned to shareholders.
Shares already held in the Plan are unaffected and will remain in Plan accounts, where holders may continue to hold, transfer, or request certificates under existing terms. The company will file a Post-Effective Amendment to its Form S-3D registration statement related to the Plan’s suspension and has provided participants with a formal notice, attached as Exhibit 99.1.