BCB Bancorp (BCBP) investor relations material

Company overview and business model

• Operates as a community-oriented financial institution, offering FDIC-insured deposit products and a range of loans, with a focus on commercial and multi-family real estate lending.

• Parent holding company of BCB Community Bank, with 23 branches in New Jersey, 3 in Staten Island, and 1 in Hicksville, NY.

• As of June 30, 2026, reported $3.118 billion in consolidated assets, $2.636 billion in deposits, and $291.9 million in stockholders' equity.

• Provides retail and commercial banking services, including online and mobile banking, wire transfers, and fraud detection.

• Board approved a proposal to reincorporate in Delaware and move to annual director elections, pending shareholder approval.

Financial performance and metrics

• Most recent audited financials as of December 31, 2025, are incorporated by reference, with audits performed by Wolf & Company, P.C.

• Recent growth in loan portfolio primarily from commercial real estate and multi-family property loans.

• On June 18, 2026, suspended quarterly cash dividends on common and preferred stock.

Use of proceeds and capital allocation

• Net proceeds expected to be used for general corporate purposes, capital support for growth, regulatory capital requirements, acquisitions, and debt repayment.

• Pending application, proceeds may be held in deposit accounts or invested in short-term obligations.