BCB Bancorp (NASDAQ: BCBP) swings to Q2 loss, eyes Delaware shift

Rhea-AI Filing Summary

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.

Positive

• Net interest margin improved to 3.03 percent from 2.80 percent year-ago.
• Total debt obligations reduced to $168.3 million as FHLB advances repaid.

Negative

• Q2 2026 net loss $14.8 million, reversing prior-year profitability.
• Credit loss provision $19.0 million and C&I net charge-offs elevated.
• Non-cash goodwill impairment of $5.3 million eliminated recorded goodwill.
• Board suspended common and preferred dividends and stopped certain consumer lending.

Filing Explained

The credit-portfolio re-evaluation began June 1, 2026, and its initial findings affected second-quarter reserves; the company says it is working toward completing the review by the end of the third quarter, so the effect of additional problem loans remains unresolved.

8-K Event Classification

3 items: 2.02, 8.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

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

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, and exhibit attachments filed with this report.

Key Figures

Q2 2026 net (loss) income: $14.8 million net loss Q2 2026 diluted EPS: ($0.85) per share Provision for credit losses Q2 2026: $19.0 million +5 more

8 metrics

Q2 2026 net (loss) income $14.8 million net loss Quarter ended June 30, 2026

Q2 2026 diluted EPS ($0.85) per share Quarter ended June 30, 2026

Provision for credit losses Q2 2026 $19.0 million Second quarter 2026 provision for credit losses on loans

Goodwill impairment $5.3 million Non-cash goodwill impairment charge recorded in Q2 2026

Total assets $3.118 billion Total assets at June 30, 2026

Non-accrual loans $72.0 million (2.73 percent of gross loans) Non-accrual loans outstanding at June 30, 2026

Allowance for credit losses $45.0 million (1.71 percent of gross loans) Allowance for credit losses on loans at June 30, 2026

Net interest margin Q2 2026 3.03 percent Quarter ended June 30, 2026, compared with 2.80 percent in Q2 2025

Key Terms

provision for credit losses, goodwill impairment, non-accrual loans, net interest margin, +2 more

6 terms

provision for credit losses financial

"The provision for credit losses was $19.0 million for the second quarter of 2026"

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.

goodwill impairment financial

"a $5.3 million non-cash goodwill impairment charge fully impaired the goodwill"

Goodwill impairment occurs when a company’s valued reputation or brand strength, known as goodwill, is found to be worth less than previously recorded on its financial statements. This usually happens when the company's performance declines or market conditions change, signaling that the expected benefits from acquisitions or brand value are no longer as strong. It matters to investors because it can indicate that a company's assets are less valuable than initially thought, potentially affecting its overall financial health.

non-accrual loans financial

"The Bank had non-accrual loans totaling $72.0 million, or 2.73 percent of gross loans"

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 for the second quarter of 2026"

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.

tangible book value per common share financial

"Tangible book value per common share was $14.73 at June 30, 2026"

A per-share measure of the company’s tangible net asset value available to common shareholders after removing intangible items (like goodwill, brand value, and patents) and any preferred shareholder claims. Think of it as the amount each common share would get if the company sold only its physical and financial assets and settled priority claims. Investors use it as a conservative baseline to judge whether a stock is cheaply priced relative to the company’s hard-asset backing.

Business Express loan portfolio financial

"additional reserves established for the Business Express loan portfolio and other C&I loans"

Earnings Snapshot

Net (loss) income: $14.8 million net loss

quarter ended June 30, 2026

Net (loss) income $14.8 million net loss from $3.6 million net income in Q2 2025

Diluted EPS ($0.85) from $0.18 in Q2 2025

Net interest margin 3.03 percent from 2.80 percent in Q2 2025

Provision for credit losses $19.0 million from $4.9 million in Q2 2025

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/03/2026 - 07:10 AM Accepted by SEC EDGAR 08/03/2026 - 07:10 AM Learn about SEC filing dates

FAQ

What were BCBP’s earnings for the second quarter of 2026?

BCB Bancorp reported a net loss of $14.8 million, or ($0.85) per diluted share, for Q2 2026. This compares with $3.6 million of net income and $0.18 diluted EPS in the second quarter of 2025.

Why did BCBP (NASDAQ: BCBP) report a loss in Q2 2026?

The loss was mainly driven by a $19.0 million provision for credit losses, a $5.3 million non-cash goodwill impairment, and a $2.6 million loss on a loan transferred to held-for-sale, largely tied to stressed commercial and industrial exposures.

How is BCBP’s asset quality trending as of June 30, 2026?

Non-accrual loans rose to $72.0 million, or 2.73 percent of gross loans, and total past-due loans reached $122.8 million. The allowance for credit losses increased to $45.0 million, covering 62.5 percent of non-accrual loans and 1.71 percent of gross loans.

What capital and dividend actions has BCBP taken in 2026?

Management stated capital remains above well-capitalized levels. To preserve capital and liquidity, the board agreed to suspend common and preferred dividends and significantly reduced wholesale funding, including lowering FHLB advances to $125.0 million by June 30, 2026.

What governance changes is BCBP proposing with its Delaware move?

The board approved a proposal to reincorporate in Delaware and to end staggered board terms in favor of annual director elections. These governance changes will be submitted to shareholders for approval at a special meeting planned for later in the year.

How did BCBP’s net interest margin and funding costs change in Q2 2026?

Net interest margin improved to 3.03 percent from 2.80 percent a year earlier. Interest expense fell to $17.1 million, reflecting a 29 basis point decline in the average rate on interest-bearing liabilities and lower average borrowings and deposit costs.

BCB BANCORP INC false 0001228454 0001228454 2026-08-03 2026-08-03

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): August 3, 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: (201) 823-0700

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 August 3, 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 second quarter ended June 30, 2026. A copy of the Press Release and the accompanying financial statements are attached hereto as Exhibit 99.1 and are incorporated herein by reference into this Item 2.02.

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 8.01. Other Events.

The Company also announced today that the Company’s board of directors approved a proposal to change the Company’s state of incorporation from New Jersey to Delaware and also to end the current staggered board terms and move to annual director elections, subject to shareholder approval.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

No.		Description
99.1		Press Release, dated August 3, 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: August 3, 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. Reports Net Loss of $14.8 Million in the Second Quarter 2026

Board Approves Reincorporation in Delaware, Subject to Shareholder Approval

BAYONNE, N.J., August 3, 2026 — BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), today reported a net loss of $14.8 million for the second quarter of 2026, compared to net income of $4.9 million in the first quarter of 2026, and net income of $3.6 million for the second quarter of 2025. The Company’s loss per diluted share for the second quarter was ($0.85) compared to earnings per diluted share of $0.26 in the preceding quarter and $0.18 in the second quarter of 2025. The Company’s reported net loss for the six months ended June 30, 2026 was $9.9 million, compared to a net loss of $4.8 million for the six months ended June 30, 2025. The Company’s loss per diluted share for the six months ended June 30, 2026 was ($0.60) compared to a loss per diluted share of ($0.33) for the six months ended June 30, 2025.

Executive Summary

• Total deposits were $2.636 billion at June 30, 2026, compared to $2.672 billion at March 31, 2026.

• Net interest margin was 3.03 percent for the second quarter of 2026, compared to 2.95 percent for the first quarter of 2026, and 2.80 percent for the second quarter of 2025.

• Total yield on interest-earning assets was 5.25 percent for the second quarter of 2026, compared to 5.21 percent for the first quarter of 2026, and 5.24 percent for the second quarter of 2025.

• Total cost of interest-bearing liabilities decreased 6 basis points to 2.87 percent for the second quarter of 2026, compared to 2.93 percent for the first quarter of 2026, and decreased 29 basis points from 3.16 percent for the second quarter of 2025.

• The efficiency ratio for the second quarter was 96.8 percent compared to 62.4 percent in the prior quarter, and 60.6 percent in the second quarter of 2025.

• The annualized return on average assets ratio for the second quarter was (1.83) percent, compared to 0.61 percent in the prior quarter, and 0.42 percent in the second quarter of 2025.

• The annualized return on average equity ratio for the second quarter was (19.22) percent, compared to 6.50 percent in the prior quarter, and 4.55 percent in the second quarter of 2025.

• The provision for credit losses was $19.0 million in the second quarter of 2026 compared to $2.8 million for the first quarter of 2026. In the second quarter of 2025, the Bank recorded a provision of $4.9 million.

• Total criticized and classified loans was $367.4 million in the second quarter compared to $403.0 million at March 31, 2026.

• The allowance for credit losses on loans as a percentage of non-accrual loans was 62.5 percent at June 30, 2026, compared to 54.5 percent for the prior quarter-end and 49.8 percent at June 30, 2025. Total non-accrual loans were $72.0 million at June 30, 2026, $59.8 million at March 31, 2026 and $101.8 million at June 30, 2025.

• Total loans receivable, net of the allowance for credit losses on loans, of $2.588 billion at June 30, 2026, decreased from $2.860 billion at June 30, 2025.

The net loss for the second quarter of 2026 was primarily driven by a $19.0 million provision for credit losses on loans, a $5.3 million non-cash goodwill impairment charge, and a $2.6 million loss on a loan transferred to held-for-sale. The elevated provision reflects additional reserves established for the Business Express loan portfolio and other portions of the Commercial and Industrial (“C&I”) loan portfolio, which has continued to experience elevated net charge-offs. Management determined that a higher reserve level was prudent given the portfolio’s performance trends, taking into account the early results of a recently commenced evaluation of the Bank’s loan portfolio focusing on potential problem loans. The goodwill impairment charge resulted from an interim quantitative impairment assessment triggered by the Company’s significant quarterly loss and the continued trading of its stock at a substantial discount to book value. The non-cash charge fully impaired the goodwill recorded on its balance sheet. The loss on the loan transferred to held-for-sale is consistent with management’s overall balance sheet evaluation strategy and relates to a non-accrual construction loan expected to be sold during the third quarter.

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 2

“We are actively conducting a comprehensive review of the Bank’s loan portfolio with the assistance of independent consultants as part of our broader effort to strengthen the balance sheet and position the franchise for long-term success. It is too early in our evaluation to assess whether and to what extent additional loans, not captured in the second quarter results, may be impacted. While we remain focused on delivering sustainable operating performance, our immediate priority is to maintain disciplined balance sheet management and long-term value creation. As our evaluation continues in the third quarter, we will fully explore various alternatives to strengthen the credits or exit the relationships, which may include workouts and loan restructurings, such as potentially seeking additional collateral, interest rate adjustments, as well as select loan sales. In addition, the Bank has ceased originating residential mortgage, home equity, and consumer loans, as we believe the current risk-adjusted returns in these categories are not sufficiently attractive. At June 30, 2026, our capital remains above well capitalized. To help preserve capital at the bank and liquidity at the holding company, the board of directors agreed to suspend both common and preferred dividends at their June meeting. We have taken these steps that are focused on capital preservation to support our balance sheet strengthening initiatives and reinforce our commitment to building a safer, stronger, and more resilient institution.” said Tom O’Brien, President and Chief Executive Officer of the Company and the Bank.

Reincorporation in Delaware

The Company also announced today that the board has decided to change its state of incorporation to Delaware, and to end the current staggered board terms in favor of annual director elections. Mr. O’Brien noted: “the change to Delaware will align us with the vast majority of public companies and allows for updated governance provisions that will help place our company in line with prevailing public company governance practices. Later this quarter, we will call a special meeting of shareholders to be held late this year. The purpose of the meeting will be to seek shareholder approval to reincorporate in Delaware. The full presentation of these governance changes will be provided in a proxy statement in connection with the special meeting.”

Balance Sheet Review

Total assets decreased by $161.3 million, or 4.9 percent, to $3.118 billion at June 30, 2026, from $3.279 billion at December 31, 2025. The decrease in total assets was mainly related to a decrease in net loans and cash and cash equivalents, offset by an increase in debt securities.

Total cash and cash equivalents decreased by $79.7 million, or 28.8 percent, to $196.9 million at June 30, 2026, from $276.6 million at December 31, 2025. The decrease in cash was primarily due to the reduction of the Bank’s exposure to wholesale funding by paying down high cost brokered deposits and FHLB advances.

Loans receivable, net, decreased by $103.1 million, or 3.8 percent, to $2.588 billion at June 30, 2026, from $2.691 billion at December 31, 2025, due to loan payoffs, paydowns and charge-offs. Total loan decreases during the period included decreases of $35.2 million in construction loans, $30.9 million in commercial and multi-family loans, $10.9 million in commercial business loans, $5.9 million in business express loans, and $8.0 million in 1-4 family residential loans, and $679,000 in cannabis, home equity and consumer loans.

The allowance for credit losses on loans increased $11.3 million to $45.0 million, or 62.5 percent of non-accruing loans and 1.71 percent of gross loans, at June 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, at December 31, 2025.

Total investment securities increased by $16.7 million, or 12.3 percent, to $152.3 million at June 30, 2026, from $135.6 million at December 31, 2025, representing current year purchases, offset by current year sales.

Deposits decreased by $37.6 million, or 1.4 percent, to $2.636 billion at June 30, 2026, from $2.674 billion at December 31, 2025. Certificates of deposit accounts and savings accounts decreased $45.2 million and $13.1 million, respectively, and were offset by an increase in money market accounts of $20.8 million. Brokered deposits declined by $28.6 million from $80.5 million at December 31, 2025 to $51.9 million at June 30, 2026.

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 3

Debt obligations decreased by $109.9 million to $168.3 million at June 30, 2026, from $278.2 million at December 31, 2025, due to maturities and paydowns of FHLB advances. The weighted average interest rate of FHLB advances was 4.88 percent at June 30, 2026, and 4.53 percent at December 31, 2025. The weighted average maturity of FHLB advances as of June 30, 2026, was less than ninety days. The interest rate of the Company’s subordinated debt balances was 9.25 percent at June 30, 2026, and at December 31, 2025.

Stockholders’ equity decreased by $12.4 million, or 4.1 percent, to $291.9 million at June 30, 2026, from $304.3 million at December 31, 2025. The decrease was attributable to the decrease in retained earnings of $13.2 million, or 11.3 percent, to $103.2 million at June 30, 2026, from $116.4 million at December 31, 2025, caused largely by the $9.9 million loss in the first six months of 2026.

Asset Quality

The Bank had non-accrual loans totaling $72.0 million, or 2.73 percent of gross loans, at June 30, 2026, as compared to $59.8 million, or 2.22 percent of gross loans, at March 31, 2026, and $63.3 million, or 2.32 percent of gross loans at December 31, 2025. The Bank had total past due loans totaling $122.8 million, or 4.66 percent of gross loans, at June 30, 2026, as compared to $107.9 million, or 4.01 percent of gross loans, at March 31, 2026, and $99.1 million, or 3.64 percent of gross loans, at December 31, 2025. The Bank had total classified and criticized loans totaling $367.4 million, or 13.94 percent of gross loans, at June 30, 2026, as compared to $403.0 million, or 14.98 percent of gross loans, at March 31, 2026, and $360.0 million, or 13.19 percent of gross loans, at December 31, 2025.

The allowance for credit losses on loans of $45.0 million, as of June 30, 2026, increased by $12.4 million, or 38.1 percent, compared to March 31, 2026, and increased by $11.3 million, or 33.5 percent, compared to December 31, 2025. The $12.4 million increase compared to March 31, 2026 was driven by a $19.0 million increase in provision expense that was partially offset by $6.6 million in loan charge-offs. The increases in provision expenses and charge-offs compared to both periods were primarily attributed to the C&I portfolio that has continued to experience elevated net charge-offs. The C&I portfolio generated net charge-offs of $824 thousand in the first quarter, increasing to $5.8 million in the second quarter. In addition, the Bank determined that a full recovery is no longer expected on a previously charged-off $6.3 million C&I relationship. Reflecting these developments and broader credit trends observed within the C&I portfolio, management separately evaluated the portfolio under its qualitative reserve framework during the second quarter, resulting in a $10.8 million increase to the allowance established for the portfolio.

During the second quarter, the Bank transferred one loan on nonaccrual status to held-for-sale, which was written down to fair market value resulting in a loss of $2.6 million reflected in non-interest income under the line item for net loss on the sale of loans. The remaining carrying value of the loan is $10.8 million. Loans held-for-sale are not included in past due loans or classified loans.

The allowance for credit losses was 62.5 percent of non-accrual loans at June 30, 2026, compared to 54.5 percent of non-accrual loans at March 31, 2026, and 53.3 percent of non-accrual loans at December 31, 2025, respectively.

Mr. O’Brien noted that, “since June 1, 2026, we have been engaged on a comprehensive re-evaluation of the company’s credit portfolios with the assistance of independent consultants. Their initial feedback has been reflected in the loan loss reserving decisions made during the second quarter and we are working toward completion of that review by the end of the third quarter. With respect to the much larger commercial real estate portfolio, we are in the early stages of our analysis. Given the absolute size and complexity of these portfolios, this remains a work in progress.”

Second Quarter 2026 Income Statement Review

The Company reported a net loss of $14.8 million for the quarter ended June 30, 2026, compared to net income of $3.6 million for the quarter ended June 30, 2025. This decline was primarily due to a $14.1 million increase in loan loss provisioning, a $5.3 million non-cash goodwill impairment charge, a $2.6 million loss on the sale of loans and a $1.7 million increase in salaries and employee benefits. This was offset by a decrease in tax provision of $4.9 million.

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 4

Interest income decreased by $2.7 million, or 6.3 percent, to $40.5 million for the second quarter of 2026 from $43.2 million for the second quarter of 2025. The average balance of interest-earning assets decreased $215.5 million, or 6.5 percent, to $3.092 billion for the second quarter of 2026 from $3.307 billion for the second quarter of 2025. The average yield increased 1 basis point to 5.25 percent for the second quarter of 2026 from 5.24 percent for the second quarter of 2025.

Interest expense decreased by $3.0 million to $17.1 million for the second quarter of 2026 from $20.1 million for the second quarter of 2025. The decrease resulted from a decrease in the average rate paid on interest-bearing liabilities of 29 basis points to 2.87 percent for the second quarter of 2026 from 3.16 percent for the second quarter of 2025, while the average balance of interest-bearing liabilities decreased by $156.0 million to $2.393 billion for the second quarter of 2026 from $2.549 billion for the second quarter of 2025.

The net interest margin was 3.03 percent for the second quarter of 2026 compared to 2.80 percent for the second quarter of 2025. The increase in the net interest margin compared to the second quarter of 2025 was the result of a decrease in the cost of interest-bearing liabilities.

The provision for credit losses was $19.0 million for the second quarter of 2026 compared to $4.9 million for the second quarter of 2025. The increase was primarily driven by higher reserve requirements within the C&I loan portfolio, as further described under Asset Quality. During the second quarter of 2026, the Company recognized $6.6 million in net charge-offs compared to $5.7 million in net charge-offs in the second quarter of 2025. The Bank had non-accrual loans totaling $72.0 million, or 2.73 percent of gross loans, at June 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 $45.0 million, or 1.71 percent of gross loans, at June 30, 2026, and $33.7 million, or 1.24 percent of gross loans, at December 31, 2025. Management believes the allowance for credit losses on loans was adequate at June 30, 2026 and December 31, 2025.

Non-interest income decreased by $2.5 million to a loss of $470 thousand for the second quarter of 2026, compared to income of $2.1 million for the second quarter of 2025. The decrease in total non-interest income was primarily attributable to a $2.6 million loss on the sale of loans, compared to no such loss in the prior year period, and a $108 thousand increase in mark-to-market losses on investment securities, partially offset by a $131 thousand increase in Bank Owned Life Insurance (“BOLI”) income.

Non-interest expense increased by $6.9 million, or 45.0 percent, to $22.1 million for the second quarter of 2026 compared to $15.3 million for the second quarter of 2025. The increase was primarily driven by a $5.3 million non-cash goodwill impairment charge, a $1.7 million increase in salaries and benefits expense, which included $814 thousand severance costs, and a $273 thousand increase in advertising and promotion expense. Partially offsetting these increases was a $205 thousand decrease in professional fees.

The income tax provision decreased by $4.9 million, to an income tax benefit of $3.5 million for the second quarter of 2026 when compared to a $1.5 million provision for the second quarter of 2025.

Year-to-Date Income Statement Review

Net income decreased by $5.1 million to a net loss of $9.9 million for the first six months of 2026, compared to a net loss of $4.8 million for the first six months of 2025. The increased net loss was primarily attributable to a $5.3 million non-cash goodwill impairment charge, a $2.6 million loss on the sale of loans and a $2.6 million increase in salaries and employee benefits.

Net interest income increased $1.1 million for the first six months of 2026, as interest expense decreased by $7.6 million, or 17.9 percent, to $34.7 million from $42.3 million for the first six months of 2025 and interest income decreased $6.5 million, from $87.4 million to $80.9 million for the same period. The average balance of interest-earning assets decreased

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 5

$257.1 million, or 7.6 percent, to $3.118 billion from $3.375 billion, while the average yield on interest-earning assets increased 1 basis point to 5.23 percent from 5.22 percent. The decline in average interest-earning assets was primarily due to a $279.5 million decrease in average loans, partially offset by a $19.2 million increase in average investment securities. The decrease in interest expense was driven by declines in interest expense on borrowings and deposits of $4.0 million and $3.6 million, respectively. Average borrowings decreased $201.4 million, while the average rate paid on borrowings increased by 70 basis points to 5.56 percent. Average deposits declined $10.1 million and the average rate paid on deposits declined 32 basis points to 2.59 percent.

Net interest margin was 2.99 percent for the first six months of 2026, compared to 2.70 percent for the first six 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 35 basis points to 2.90 percent and an increase in the rate earned on earning assets, by 1 basis point to 5.23 percent.

The provision for credit losses decreased by $4.0 million to $21.8 million for the first six months of 2026 from $25.7 million for the same period in 2025. The elevated provision in the prior-year period reflected a previously disclosed $13.7 million specific reserve related to a $34.2 million cannabis-sector lending relationship. The 2026 provision was primarily driven by increased reserve requirements within the C&I loan portfolio, as further described under Asset Quality. During the first six months of 2026, the Company experienced $10.5 million in net charge-offs compared to $9.9 million in net charge-offs for the same period in 2025.

Non-interest income decreased by $2.2 million to $1.6 million for the first six months of 2026, compared to $3.9 million for the same period in 2025. The decrease was primarily attributable to a $2.6 million loss on the sale of loans in 2026, compared to no such loss in the prior year period. Partially offsetting this was a $469 thousand increase in income from Bank Owned Life Insurance (“BOLI”).

Non-interest expense increased by $7.8 million, or 25.9 percent, to $37.7 million for the first six months of 2026 from $29.9 million for the same period in 2025. The increase was primarily driven by a $5.3 million non-cash goodwill impairment charge and a $2.6 million increase in salaries and employee benefits expense, which included $814 thousand severance costs recognized during the second quarter. Advertising expenses and OREO expenses increased $294 thousand and $280 thousand, respectively. Partially offsetting these increases were decreases in professional fees, director fees and regulatory assessments of $270 thousand, $241 thousand and $98 thousand, respectively.

The income tax benefit decreased by $157 thousand or 8.1 percent, to an income tax benefit of $1.8 million for the first six months of 2026 when compared to a $1.9 million income tax benefit for the same period in 2025. While the pretax loss increased to $11.6 million from $6.7 million in the prior period, the income tax credit declined primarily because the $5.3 million non-cash goodwill impairment charge recognized in 2026 is not deductible for income tax purposes and therefore did not generate a corresponding tax benefit.

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 6

Investor Conference Call

Management will host a conference call on Monday, August 3, 2026 at 8:45 a.m. Eastern Time to discuss the results.

Interested investors are invited to dial 1-800-715-9871 using conference ID 3209751 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 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 ongoing impact of global tariffs imposed by the Trump administration, higher inflation levels, and general economic and recessionary concerns, all of which could impact economic growth 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: our ability to manage liquidity and capital in a rapidly changing and unpredictable market, supply chain disruptions, labor shortages, the global impact of the military conflicts in the Ukraine and the Middle East; unfavorable economic conditions in the United States generally and particularly in our primary market area; 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; 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; our level of non-performing assets and the costs associated with resolving any problem loans including litigation and other costs; the results of the recently commenced and ongoing review of our loan portfolios; 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 our ability to access cost-effective funding; 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 mortgage markets; changes in management’s business strategies; 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; expanding regulatory requirements which could adversely affect operating results; civil unrest in the communities that we serve; 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, 2024, and our other periodic reports that we file with the SEC.

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 7

Annualized, pro forma, projected and estimated numbers are used for illustrative purpose 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 Second Quarter 2026 Results

August 3, 2026

Page 8

		Statements of Operations - Three Months Ended,
		June 30, 2026				March 31, 2026				June 30, 2025				June 30, 2026 vs. March 31, 2026				June 30, 2026 vs. June 30, 2025
		(In thousands, except per share amounts, Unaudited)
Interest and dividend income:
Loans, including fees		$	35,856			$	35,878			$	38,650				-0.1	%			-7.2	%
Mortgage-backed securities			960				839				765				14.4	%			25.5	%
Other investment securities			1,113				990				1,057				12.4	%			5.3	%
FHLB stock and other interest-earning assets			2,532				2,695				2,709				-6.0	%			-6.5	%
Total interest and dividend income			40,461				40,402				43,181				0.1	%			-6.3	%
Interest expense:
Deposits:
Demand			5,413				5,170				5,584				4.7	%			-3.1	%
Savings and club			112				136				217				-17.6	%			-48.4	%
Certificates of deposit			8,266				8,592				9,170				-3.8	%			-9.9	%
			13,791				13,898				14,971				-0.8	%			-7.9	%
Borrowings			3,325				3,667				5,108				-9.3	%			-34.9	%
Total interest expense			17,116				17,565				20,079				-2.6	%			-14.8	%
Net interest income			23,345				22,837				23,102				2.2	%			1.1	%
Provision for credit losses			18,987				2,788				4,891				581.0	%			288.2	%
Net interest income after provision for credit losses			4,358				20,049				18,211				-78.3	%			-76.1	%
Non-interest (loss) income :
Fees and service charges			1,313				1,191				1,305				10.2	%			0.6	%
(Loss) gain on sales of loans			(2,607	)			7				—				-37342.9	%			—
Realized and unrealized loss on equity investments			(248	)			(93	)			(108	)			166.7	%			129.6	%
Bank-owned life insurance (“BOLI”) income			917				946				786				-3.1	%			16.7	%
Other			155				50				93				210.0	%			66.7	%
Total non-interest (loss) income			(470	)			2,101				2,076				-122.4	%			-122.6	%
Non-interest expense:
Salaries and employee benefits			9,395				8,327				7,713				12.8	%			21.8	%
Occupancy and equipment			2,562				2,724				2,502				-5.9	%			2.4	%
Data processing and communications			1,968				2,023				2,046				-2.7	%			-3.8	%
Professional fees			562				627				767				-10.4	%			-26.7	%
Director fees			244				246				313				-0.8	%			-22.0	%
Regulatory assessment fees			650				765				804				-15.0	%			-19.2	%
Advertising and promotions			489				200				216				144.5	%			126.4	%
Other real estate owned, net			130				150				—				-13.3	%			—
Impairment of Goodwill			5,253				—				—				—				—
Other			879				489				907				79.8	%			-3.1	%
Total non-interest expense			22,132				15,551				15,268				42.3	%			45.0	%
(Loss) Income before income tax (benefit) provision			(18,244	)			6,599				5,019				-376.5	%			-463.5	%
Income tax (benefit) provision			(3,468	)			1,695				1,455				-304.6	%			-338.4	%
Net (Loss) Income			(14,776	)			4,904				3,564				-401.3	%			-514.6	%
Preferred stock dividends			—				482				482				—				—
Net (Loss) Income available to common stockholders		$	(14,776	)		$	4,422			$	3,082				-434.2	%			-579.5	%
Net (Loss) Income per common share-basic and diluted
Basic		$	(0.85	)		$	0.26			$	0.18				-434.3	%			-575.8	%
Diluted		$	(0.85	)		$	0.26			$	0.18				-434.3	%			-575.8	%
Weighted average number of common shares outstanding
Basic			17,306				17,314				17,175				0.0	%			0.8	%
Diluted			17,306				17,314				17,175				0.0	%			0.8	%

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 9

		Statements of Operations - Six Months Ended,
		June 30, 2026				June 30, 2025				June 30, 2026 vs. June 30, 2025
		(In thousands, except per share amounts, Unaudited)
Interest and dividend income:
Loans, including fees		$	71,734			$	77,577				-7.5	%
Mortgage-backed securities			1,799				1,326				35.7	%
Other investment securities			2,103				2,025				3.9	%
FHLB stock and other interest-earning assets			5,227				6,445				-18.9	%
Total interest and dividend income			80,863				87,373				-7.5	%
Interest expense:
Deposits:
Demand			10,583				11,002				-3.8	%
Savings and club			248				368				-32.6	%
Certificates of deposit			16,858				19,932				-15.4	%
			27,689				31,302				-11.5	%
Borrowings			6,992				10,964				-36.2	%
Total interest expense			34,681				42,266				-17.9	%
Net interest income			46,182				45,107				2.4	%
Provision for credit losses			21,775				25,736				-15.4	%
Net interest income after provision for credit losses			24,407				19,371				26.0	%
Non-interest income :
Fees and service charges			2,504				2,478				1.0	%
Gain (loss) on sales of loans			(2,600	)			—				—
Realized and unrealized gain (loss) on equity investments			(341	)			(223	)			52.9	%
Bank-owned life insurance (“BOLI”) income			1,863				1,394				33.6	%
Other			205				218				-6.0	%
Total non-interest income			1,631				3,867				-57.8	%
Non-interest expense:
Salaries and employee benefits			17,722				15,116				17.2	%
Occupancy and equipment			5,286				5,225				1.2	%
Data processing and communications			3,991				3,890				2.6	%
Professional fees			1,189				1,459				-18.5	%
Director fees			490				731				-33.0	%
Regulatory assessments			1,415				1,513				-6.5	%
Advertising and promotions			689				395				74.4	%
Other real estate owned, net			280				—				—
Impairment of Goodwill			5,253				—
Other			1,368				1,599				-14.4	%
Total non-interest expense			37,683				29,928				25.9	%
Loss before income tax benefit			(11,645	)			(6,690	)			74.1	%
Income tax benefit			(1,773	)			(1,930	)			-8.1	%
Net Loss			(9,872	)			(4,760	)			107.4	%
Preferred stock dividends			482				964				-50.0	%
Net Loss available to common stockholders		$	(10,354	)		$	(5,724	)			80.9	%
Net Loss per common share-basic and diluted
Basic		$	(0.60	)		$	(0.33	)			79.5	%
Diluted		$	(0.60	)		$	(0.33	)			79.5	%
Weighted average number of common shares outstanding
Basic			17,273				17,144				0.8	%
Diluted			17,273				17,144				0.8	%

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 10

Statements of Financial Condition		June 30, 2026				March 31, 2026				December 31, 2025				June 30, 2026 vs. March 31, 2026				June 30, 2026 vs. December 31, 2025
		(In Thousands, Unaudited)
ASSETS
Cash and amounts due from depository institutions		$	14,573			$	12,619			$	13,794				15.5	%			5.6	%
Interest-earning deposits			182,314				281,118				262,790				-35.1	%			-30.6	%
Total cash and cash equivalents			196,887				293,737				276,584				-33.0	%			-28.8	%
Interest-earning time deposits			735				735				735				—				—
Debt securities available for sale			148,428				134,013				126,395				10.8	%			17.4	%
Equity investments			3,851				9,079				9,172				-57.6	%			-58.0	%
Loans held for sale			10,777				—				—				—				—
Loans receivable, net of allowance for credit losses on loans of $44,980, $32,578, and $33,691 respectively			2,587,984				2,655,981				2,691,091				-2.6	%			-3.8	%
Federal Home Loan Bank of New York (“FHLB”) stock, at cost			9,048				13,757				14,176				-34.2	%			-36.2	%
Premises and equipment, net			11,737				11,915				12,056				-1.5	%			-2.6	%
Accrued interest receivable			14,661				15,259				13,834				-3.9	%			6.0	%
Other real estate owned			5,000				5,000				5,000				—				—
Deferred income taxes			24,794				23,047				22,209				7.6	%			11.6	%
Goodwill			—				5,253				5,253				—				—
Operating lease right-of-use asset			10,479				10,889				10,660				-3.8	%			-1.7	%
Bank-owned life insurance (“BOLI”)			81,229				80,312				79,366				1.1	%			2.3	%
Other assets			12,516				10,120				12,935				23.7	%			-3.2	%
Total Assets		$	3,118,126			$	3,269,097			$	3,279,466				-4.6	%			-4.9	%
LIABILITIES AND STOCKHOLDERS’ EQUITY
LIABILITIES
Non-interest bearing deposits		$	514,648			$	521,316			$	531,140				-1.3	%			-3.1	%
Interest bearing deposits			2,121,375				2,151,113				2,142,433				-1.4	%			-1.0	%
Total deposits			2,636,023				2,672,429				2,673,573				-1.4	%			-1.4	%
FHLB advances			125,000				225,000				235,000				-44.4	%			-46.8	%
Subordinated debentures			43,335				43,272				43,210				0.1	%			0.3	%
Operating lease liability			10,953				11,365				11,140				-3.6	%			-1.7	%
Other liabilities			10,896				9,651				12,259				12.9	%			-11.1	%
Total Liabilities			2,826,207				2,961,717				2,975,182				-4.6	%			-5.0	%
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			204,451				203,876				203,429				0.3	%			0.5	%
Retained earnings			103,225				119,412				116,415				-13.6	%			-11.3	%
Accumulated other comprehensive loss			(2,653	)			(2,804	)			(2,456	)			-5.4	%			8.0	%
Treasury stock, at cost			(38,347	)			(38,347	)			(38,347	)			—				—
Total Stockholders’ Equity			291,919				307,380				304,284				-5.0	%			-4.1	%
Total Liabilities and Stockholders’ Equity		$	3,118,126			$	3,269,097			$	3,279,466				-4.6	%			-4.9	%
Outstanding common shares			18,102				17,359				17,274

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 11

		Three Months Ended June 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)		$	2,660,757			$	35,856				5.41	%		$	2,933,851			$	38,650				5.28	%
Investment Securities			152,347				2,073				5.44	%			133,900				1,822				5.44	%
Other Interest-earning assets (6)			278,413				2,532				3.65	%			239,245				2,709				4.54	%
Total Interest-earning assets			3,091,517				40,461				5.25	%			3,306,996				43,181				5.24	%
Non-interest-earning assets			139,410												113,206
Total assets		$	3,230,927											$	3,420,202
Interest-bearing liabilities:
Interest-bearing demand accounts		$	529,612			$	2,122				1.61	%		$	529,120			$	2,230				1.69	%
Money market accounts			449,469				3,291				2.94	%			418,014				3,354				3.22	%
Savings accounts			237,124				112				0.19	%			258,696				217				0.34	%
Certificates of Deposit			940,358				8,266				3.53	%			921,140				9,170				3.99	%
Total interest-bearing deposits			2,156,563				13,791				2.56	%			2,126,970				14,971				2.82	%
Borrowed funds			236,427				3,325				5.64	%			422,022				5,108				4.85	%
Total interest-bearing liabilities			2,392,990				17,116				2.87	%			2,548,992				20,079				3.16	%
Non-interest-bearing liabilities			529,508												557,177
Total liabilities			2,922,498												3,106,169
Stockholders’ equity			308,429												314,033
Total liabilities and stockholders’ equity		$	3,230,927											$	3,420,202
Net interest income						$	23,345											$	23,102
Net interest rate spread (1)											2.38	%											2.08	%
Net interest margin (2)											3.03	%											2.80	%

⁽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 Second Quarter 2026 Results

August 3, 2026

Page 12

		Six Months Ended June 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)		$	2,684,502			$	71,734				5.39	%		$	2,964,023			$	77,577				5.28	%
Investment Securities			144,789				3,902				5.43	%			125,598				3,351				5.38	%
Other interest-earning assets (6)			288,485				5,227				3.65	%			285,271				6,445				4.56	%
Total Interest-earning assets			3,117,776				80,863				5.23	%			3,374,892				87,373				5.22	%
Non-interest-earning assets			137,717												119,558
Total assets		$	3,255,493											$	3,494,450
Interest-bearing liabilities:
Interest-bearing demand accounts		$	526,523			$	4,165				1.59	%		$	544,756			$	4,598				1.70	%
Money market accounts			440,938				6,418				2.94	%			406,214				6,404				3.18	%
Savings accounts			239,777				248				0.21	%			255,479				368				0.29	%
Certificates of Deposit			952,259				16,858				3.57	%			963,171				19,932				4.17	%
Total interest-bearing deposits			2,159,497				27,689				2.59	%			2,169,620				31,302				2.91	%
Borrowed funds			253,679				6,992				5.56	%			455,036				10,964				4.86	%
Total interest-bearing liabilities			2,413,176				34,681				2.90	%			2,624,656				42,266				3.25	%
Non-interest-bearing liabilities			535,232												550,454
Total liabilities			2,948,408												3,175,110
Stockholders’ equity			307,085												319,340
Total liabilities and stockholders’ equity		$	3,255,493											$	3,494,450
Net interest income						$	46,182											$	45,107
Net interest rate spread (1)											2.33	%											1.97	%
Net interest margin (2)											2.99	%											2.70	%

⁽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 Second Quarter 2026 Results

August 3, 2026

Page 13

		Financial Condition data by quarter
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
		(In thousands, except book values)
Total assets		$	3,118,126			$	3,269,097			$	3,279,466			$	3,353,065			$	3,380,461
Cash and cash equivalents			196,887				293,737				276,584				249,614				206,852
Securities			152,279				143,092				135,567				125,292				140,025
Loans receivable, net			2,587,984				2,655,981				2,691,091				2,788,932				2,860,453
Deposits			2,636,023				2,672,429				2,673,573				2,687,387				2,661,534
Borrowings			168,335				268,272				278,210				323,922				378,722
Stockholders’ equity			291,919				307,380				304,284				318,453				315,735
Book value per common share (1)		$	14.73			$	16.25			$	16.15			$	17.02			$	16.89
Tangible book value per common share (2)		$	14.73			$	15.95			$	15.85			$	16.71			$	16.59
		Operating data by quarter
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
		(In thousands, except for per share amounts)
Net interest income		$	23,345			$	22,837			$	24,223			$	23,711			$	23,102
Provision for credit losses			18,987				2,788				12,195				4,080				4,891
Non-interest (loss) income			(470	)			2,101				1,943				2,745				2,076
Non-interest expense			22,132				15,551				31,385				16,570				15,268
Income tax expense (benefit)			(3,468	)			1,695				(5,385	)			1,544				1,455
Net income (loss)		$	(14,776	)		$	4,904			$	(12,029	)		$	4,262			$	3,564
Net income (loss) per diluted share		$	(0.85	)		$	0.26			$	(0.73	)		$	0.22			$	0.18
Common Dividends declared per share		$	0.08			$	0.08			$	0.16			$	0.16			$	0.16
		Financial Ratios(3)
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
Return on average assets			(1.83	%)			0.61	%			(1.44	%)			0.50	%			0.42	%
Return on average stockholders’ equity			(19.22	%)			6.50	%			(14.99	%)			5.35	%			4.55	%
Net interest margin			3.03	%			2.95	%			3.03	%			2.88	%			2.80	%
Stockholders’ equity to total assets			9.36	%			9.40	%			9.28	%			9.50	%			9.34	%
Efficiency Ratio (4)			96.75	%			62.36	%			119.95	%			62.63	%			60.64	%
		Asset Quality Ratios
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
		(In thousands, except for ratio %)
Non-Accrual Loans (5)		$	72,011			$	59,805			$	63,255			$	93,517			$	101,764
Non-Accrual Loans as a % of Total Loans (5)			2.73	%			2.22	%			2.32	%			3.31	%			3.50	%
ACL as % of Non-Accrual Loans			62.5	%			54.5	%			53.3	%			40.4	%			49.8	%
Individually Analyzed Loans		$	124,832			$	160,600			$	162,226			$	129,358			$	153,428
Criticized Loans			206,975				208,339				170,875				220,768				229,929
Classified Loans (6)			160,454				194,662				188,876				228,255				266,847
Past Due loans (6)			122,759				107,947				99,132				174,006				110,971

⁽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⁾  Non-Accrual loans include Held for Sale loan.

⁽⁶⁾  Classified and past due loans excludes Held for Sale loan.

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 14

		Recorded Investment in Loans Receivable by quarter
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
		(In thousands)
Residential one-to-four family		$	218,750			$	223,708			$	226,708			$	227,140			$	230,917
Commercial and multi-family			2,009,865				2,021,827				2,040,768				2,080,088				2,088,117
Canabis related			69,190				68,876				69,293				69,102				103,007
Construction			33,298				68,362				68,521				105,980				111,370
Commercial business			157,523				160,088				168,459				192,762				224,800
Business Express			68,949				71,215				74,862				78,253				81,521
Home equity			73,935				72,716				74,332				73,566				71,587
Consumer			3,401				3,584				3,580				2,042				2,075
		$	2,634,911			$	2,690,376			$	2,726,523			$	2,828,933			$	2,913,394
Less:
Deferred loan fees, net			(1,947	)			(1,817	)			(1,741	)			(2,198	)			(2,283	)
Allowance for credit losses on loans			(44,980	)			(32,578	)			(33,691	)			(37,803	)			(50,658	)
Total loans, net		$	2,587,984			$	2,655,981			$	2,691,091			$	2,788,932			$	2,860,453
		Non-Accruing Loans in Portfolio by quarter
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
		(In thousands)
Residential one-to-four family		$	1,515			$	1,576			$	1,554			$	1,410			$	1,436
Commercial and multi-family			54,478				52,297				52,159				70,546				57,969
Canabis related			—				—				—				—				33,512
Construction (1)			13,364				3,173				4,897				2,310				586
Commercial business			2,397				2,418				3,725				17,442				6,392
Business Express			—				—				626				1,335				1,377
Home equity			257				341				294				474				492
Consumer			—				—				—				—				—
Total:		$	72,011			$	59,805			$	63,255			$	93,517			$	101,764
(1)  Includes Held for Sale loan
		Distribution of Deposits by quarter
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
		(In thousands)
Demand:
Non-Interest Bearing		$	514,648			$	521,317			$	531,140			$	536,908			$	539,093
Interest Bearing			517,627				511,465				501,172				477,427				503,336
Money Market			446,918				448,397				426,138				422,424				428,397
Sub-total:		$	1,479,193			$	1,481,179			$	1,458,450			$	1,436,759			$	1,470,826
Savings and Club			230,532				240,048				243,670				254,554				258,585
Certificates of Deposit			926,298				951,202				971,453				996,074				932,123
Total Deposits:		$	2,636,023			$	2,672,429			$	2,673,573			$	2,687,387			$	2,661,534

BCBP Reports Second Quarter 2026 Results

August 3, 2026

Page 15

		Reconciliation of GAAP to Non-GAAP Financial Measures by quarter
		Tangible Book Value per Share
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
		(In thousands, except per share amounts)
Total Stockholders’ Equity		$	291,919			$	307,380			$	304,284			$	318,453			$	315,735
Less: goodwill			—				5,253				5,253				5,253				5,253
Less: preferred stock			25,243				25,243				25,243				25,243				25,243
Total tangible common stockholders’ equity			266,676				276,884				273,788				287,957				285,239
Common shares outstanding			18,102				17,359				17,274				17,228				17,194
Book value per common share		$	14.73			$	16.25			$	16.15			$	17.02			$	16.89
Tangible book value per common share		$	14.73			$	15.95			$	15.85			$	16.71			$	16.59
		Efficiency Ratios
		Q2 2026				Q1 2026				Q4 2025				Q3 2025				Q2 2025
		(In thousands, except for ratio %)
Net interest income		$	23,345			$	22,837			$	24,223			$	23,711			$	23,102
Non-interest (loss)income			(470	)			2,101				1,943				2,745				2,076
Total income			22,875				24,938				26,166				26,456				25,178
Non-interest expense			22,132				15,551				31,385				16,570				15,268
Efficiency Ratio			96.75	%			62.36	%			119.95	%			62.63	%			60.64	%

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