BCB Bancorp posts $133M Q3 2026 net loss

BCBP reported a 3.03% net interest margin for Q3 2026, compared with 2.88% in Q3 2025.

Rhea-AI Filing Summary

BCB Bancorp, Inc. reported a Q3 2026 net loss attributable to common stockholders of $132.5 million, versus a $14.8 million loss in Q2 2026 and $3.8 million net income in Q3 2025. Diluted loss per share was ($6.92); the nine-month loss attributable to common stockholders was $142.8 million.

The quarterly loss was primarily driven by a $115.0 million provision for credit losses and a $59.9 million non-cash valuation allowance against deferred tax assets; net charge-offs were $89.7 million. The Bank sold $204.3 million of problem loans, recording a $42.3 million charge-off, and transferred loans to held-for-sale status with a related $44.2 million charge-off. The completed equity offering generated $91.4 million in net proceeds, with approximately $20 million retained at the holding company.

Non-accrual loans were $22.4 million, or 1.00% of gross loans held for investment, at September 30, 2026, versus $61.2 million at June 30, 2026. Ryan Blake became the Bank’s Chief Banking Officer, Sandra Sievewright its Chief Administrative Officer, and Eleni Willis its Chief Risk Officer; Karen Duran was appointed principal accounting officer of the Company.

1 point · 1 major

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Positive

• Major pointThe completed equity offering generated $91.4 million in net proceeds. 35% of market cap

Negative

• Major pointQ3 2026 net loss attributable to common stockholders was $132.5 million.
• Minor pointThe Q3 2026 provision for credit losses was $115.0 million.

Filing Explained

At September 30, 2026, BCB Bancorp reported 30,752 thousand common shares outstanding, versus 18,102 thousand at June 30, 2026; that higher share count reduces existing holders’ percentage ownership absent offsetting changes.

8-K Event Classification

4 items: 2.02, 5.02, 8.01, 9.01

4 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers Governance

Key personnel changes including departures, elections, or appointments of directors and executive officers.

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net loss attributable to common stockholders: $132.5 million Diluted loss per share: ($6.92) Provision for credit losses: $115.0 million +4 more

7 metrics

Net loss attributable to common stockholders $132.5 million Q3 2026

Diluted loss per share ($6.92) Q3 2026

Provision for credit losses $115.0 million Q3 2026

Net charge-offs $89.7 million Q3 2026

Equity offering net proceeds $91.4 million Completed in Q3 2026

Problem loans sold $204.3 million Q3 2026

Net interest margin 3.03% Q3 2026; compared with 2.88% in Q3 2025

Key Terms

provision for credit losses, valuation allowance, net charge-offs, loans held for sale, +2 more

6 terms

provision for credit losses financial

"a $115.0 million provision for credit losses"

Provision for credit losses is an amount set aside by a financial institution to cover potential future losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution manage risks and stay financially healthy. For investors, it signals how cautious a lender is about potential loan defaults and can impact the company's profitability and financial stability.

valuation allowance financial

"a full valuation allowance against the Company’s deferred tax assets"

A valuation allowance is a reserve set aside to reduce the value of certain assets on a company's financial records when there is uncertainty about whether they will generate the expected benefits. It acts like a caution sign, indicating that some assets might not be fully recoverable or worth their recorded amount. This matters to investors because it provides a more realistic picture of a company's financial health and potential risks.

net charge-offs financial

"net charge-offs during the quarter totaled $89.7 million"

Net charge-offs are the amount of loans or credit a lender removes from its books as uncollectible after subtracting any money later recovered from previously written-off accounts. Think of it like a store writing off unpaid tabs but getting back a few dollars later — the net figure shows the real loss. Investors watch this to judge a lender’s loan quality, future profits and how much capital may be needed to cover bad debts.

loans held for sale financial

"The Bank had $67.6 million in loans held for sale"

Loans held for sale are loans a bank or lender has made but intends to sell to another investor rather than keep on its books. Think of it like a shop buying products specifically to resell: the practice shows how active the lender is in originating loans, affects near-term cash flow and profit prospects, and signals how much credit risk the lender plans to transfer off its balance sheet—information investors use to assess liquidity, earnings volatility and risk exposure.

non-accrual loans financial

"The Bank had non-accrual loans totaling $22.4 million"

A non-accrual loan is a loan a lender has decided is unlikely to produce the scheduled interest payments, so the lender stops counting future interest as income and may record the loan at a reduced value. Think of it like renting out a house where the tenant has stopped paying: you stop counting future rent as earnings because it’s uncertain you’ll get it. For investors, a rise in non-accrual loans signals worsening credit quality, lower reported income and higher potential losses that can weaken a bank’s capital and share price.

net interest margin financial

"The net interest margin was 3.03 percent"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Earnings Snapshot

Net loss attributable to common stockholders: $132.5 million

Third quarter 2026

Net loss attributable to common stockholders $132.5 million Compared with a $14.8 million loss in Q2 2026 and $3.8 million net income in Q3 2025.

Diluted loss per share ($6.92) Compared with ($0.85) in Q2 2026 and $0.22 in Q3 2025.

Provision for credit losses $115.0 million Compared with $4.1 million in Q3 2025.

Net charge-offs $89.7 million Compared with $16.9 million in Q3 2025.

Net interest margin 3.03% Compared with 2.88% in Q3 2025.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What was BCBP’s Q3 2026 loss?

BCB Bancorp reported a $132.5 million net loss attributable to common stockholders for Q3 2026, compared with a $14.8 million loss in Q2 2026 and $3.8 million net income in Q3 2025. Diluted loss per share was ($6.92).

What drove BCBP’s Q3 2026 loss?

The loss was primarily driven by a $115.0 million provision for credit losses and a $59.9 million non-cash valuation allowance against deferred tax assets. Net charge-offs totaled $89.7 million during the quarter.

How much did BCBP’s equity offering generate?

The completed equity offering generated $91.4 million in net proceeds, including the exercise of the underwriters’ option. Approximately $20 million of the proceeds was retained at the holding company.

Which loans did BCBP transfer to held-for-sale status?

The Bank transferred $70.2 million of cannabis loans, $29.8 million of commercial real estate loans and $874,000 of commercial and industrial loans to held-for-sale status. It recorded a related $44.2 million charge-off based on the lower of cost or market.

How did BCBP’s non-accrual loans change in Q3 2026?

At September 30, 2026, BCB Community Bank had $22.4 million of non-accrual loans, equal to 1.00% of gross loans held for investment. That compared with $61.2 million, or 2.33%, at June 30, 2026, and $63.3 million, or 2.32%, at December 31, 2025.

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Available on EDGAR 10/29/2026 - 07:50 AM EDT Accepted by SEC EDGAR 10/29/2026 - 07:49 AM EDT Learn about SEC filing dates

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)

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 2

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 3

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 4

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 5

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 6

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 7

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 8

		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	%			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			97				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	)			21				-100.0	%			-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			86				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				2,562				4.4	%			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				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 9

		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	)			21				—
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 10

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				735				735				—				—
Debt securities available for sale			134,973				148,428				126,395				-9.1	%			6.8	%
Equity investments			—				3,851				9,172				-100.0	%			-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				5,000				-100.0	%			-100.0	%
Deferred income taxes			—				24,794				22,209				-100.0	%			-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				25,243				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 11

		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				97				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 12

		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 13

		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			$	0.08			$	0.16			$	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	%			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 14

		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 15

		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				5,253				5,253
Less: preferred stock			25,243				25,243				25,243				25,243				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	%

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