BCB银行 2026年季度报告

FORM 10-Q (Mark One)QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2026 Or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number: 0-50275 BCB Bancorp, Inc.(Exact name of registrant as specified in its charter) (201) 823-0700(Registrant’s telephone number, including area code) Not Applicable(Former name, former address and former fiscal year if changed since last report) Securities registered pursuant to section 12(b) of the Securities and Exchange Act of 1934: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90days.T YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-Tduring the preceding 12 months (or for such shorter period that the registrant was required to submit such files).YesNo Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growth company. See definition of“large accelerated filer”, “accelerated filer”, “smaller reporting company”, and “emerging growth company” in Rule 12b-2 of the Exchange Act. 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 revisedfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in rule 12b-2 of the Exchange Act).Yes TNo APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. As of August 1, 2026, BCB Bancorp, Inc. had18,101,822 shares of common stock, no par value, outstanding. BCB BANCORP INC. AND SUBSIDIARIESINDEXPagePARTI. CONSOLIDATED FINANCIAL INFORMATIONItem 1. Consolidated Financial StatementsConsolidated Statements of Financial Condition as of June 30, 2026 (unaudited) and December31, 2025 (unaudited)1Consolidated Statements of Operations for the three and six months ended June 30, 2026, 2025 and 2024 (unaudited)2Consolidated Statements of Comprehensive Income (Loss) for the three and six months ended June 30, 2026, 2025 and 2024 (unaudited)3Consolidated Statements of Changes in Stockholders’ Equity for the three and six months ended June 30, 2026, 2025 and 2024 (unaudited)4Consolidated Statements of Cash Flows for the six months ended June 30, 2026, 2025 and 2024 (unaudited)7Notes to Unaudited Consolidated Financial Statements8Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations27Item 3. Quantitative and Qualitative Disclosures about Market Risk36Item 4. Controls and Procedures37PART II. OTHER INFORMATION38Item1. Legal Proceedings38Item1A. Risk Factors38Item2. Unregistered Sales of Equity Securities and Use of Proceeds39Item3. Defaults Upon Senior Securities39Item4. Mine Safety Disclosures39Item5. Other Information39Item 6. Exhibits40Signatures41 BCB BANCORP INC. AND SUBSIDIARIESConsolidated Statements of Financial Condition(In thousands, Except Share and Per Share Data, Unaudited) LIABILITIES AND STOCKHOLDERS’ EQUITY BCB Bancorp Inc. and SubsidiariesNotes to Unaudited Consolidated Financial Statements Note 1 – Basis of Presentation BCB Bancorp, Inc. (the “Company”) is incorporated in the State of New Jersey and is a bank holding company. The common stock of the Company is listed on theNASDAQ Global Market and trades under the symbol “BCBP”. The Company’s primary business is the ownership and operation of BCB Community Bank (the “Bank”). The Bank is a New Jersey based commercial bank which, asof June30, 2026, operated at 26 locations in Bayonne, Edison, Fairfield, Hoboken, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark,Plainsboro, South Orange, River Edge, Rutherford, Union, and Woodbridge New Jersey, as well as Staten Island and Hicksville, New York and is subject to regulation,supervision, and examination by the New Jersey Department of Banking and Insurance and the Federal Deposit Insurance Corporation. The Bank is principally engagedin the business of attracting deposits from the general public and using these deposits, together with borrowed funds, to invest in securities and to make loanscollateralized by residential and commercial real estate and, to a lesser extent, business and consumer loans. The Bank has two active subsidiaries. BCB HoldingCompany Investment Corp. (t