Exhibit 99.1 CONTACT: MICHAEL SHRINER, PRESIDENT & CEO JAWAD CHAUDHRY, EVP, CFO & TREASURER (201) 823-0700 BCB Bancorp, Inc. Reports Net Loss of $12.0 Million in Fourth Quarter 2025 BAYONNE, N.J., January 30, 2026 — BCB Bancorp, Inc. (the "Company"), (NASDAQ: BCBP), the holding company for BCB Community Bank (the "Bank"), today reported a net loss of $12.0 million for the fourth quarter of 2025, compared to net income of $4.3 million in the third quarter of 2025, and net income of $3.3 million for the fourt ...

分组1 - BCB Bancorp reported a quarterly loss of $0.73 per share, better than the Zacks Consensus Estimate of a loss of $0.88, and compared to earnings of $0.16 per share a year ago, resulting in an earnings surprise of +17.05% [1] - The company posted revenues of $26.17 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 143.86%, and compared to year-ago revenues of $23.13 million [2] - BCB Bancorp shares have underperformed the market, losing about 3.1% since the beginning of the year, while the S&P 500 gained 1.8% [3] 分组2 - The current consensus EPS estimate for the coming quarter is $0.22 on revenues of $25.27 million, and for the current fiscal year, it is $0.99 on revenues of $103.87 million [7] - The Zacks Industry Rank for Banks - Northeast is currently in the top 19% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

BAYONNE, N.J., Jan. 30, 2026 (GLOBE NEWSWIRE) -- BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), today reported a net loss of $12.0 million for the fourth quarter of 2025, compared to net income of $4.3 million in the third quarter of 2025, and net income of $3.3 million for the fourth quarter of 2024. The Company’s loss per diluted share for the fourth quarter was ($0.73) compared to earnings per diluted share of $0.22 in the preceding quarter and ...

Core Insights - Crude Value Insights provides an investment service and community focused on the oil and natural gas sectors, emphasizing cash flow and the companies that generate it, which leads to value and growth prospects with real potential [1] Group 1 - The service offers subscribers access to a model account with over 50 stocks, in-depth cash flow analyses of exploration and production (E&P) firms, and live chat discussions about the sector [1]

Group 1 - BCB Bancorp NJ (BCBP) has been added to the Zacks Rank 5 (Strong Sell) List due to a significant downward revision of its current year earnings estimate by almost 33.3% over the last 60 days [1] - Arkema (ARKAY) is also on the Zacks Rank 5 (Strong Sell) List, with its current year earnings estimate revised downward by 8% in the past 60 days [2] - Gibson Energy (GBNXF) has seen its current year earnings estimate revised downward by nearly 5.2% over the last 60 days, leading to its inclusion in the Zacks Rank 5 (Strong Sell) List [3]

Financial Position - As of September 30, 2025, the company reported total assets of $3.353 billion, a decrease of $246.0 million or 6.8% from $3.599 billion at December 31, 2024[167]. - Total cash and cash equivalents decreased by $67.7 million or 21.3% to $249.6 million at September 30, 2025, primarily due to a reduction in wholesale funding[168]. - Loans receivable, net, decreased by $207.3 million or 6.9% to $2.789 billion at September 30, 2025, with significant declines in commercial real estate and multi-family loans[169]. - Deposits decreased by $63.5 million or 2.3% to $2.687 billion at September 30, 2025, with notable declines in brokered deposits and transaction accounts[171]. - Stockholders' equity decreased by $5.5 million or 1.7% to $318.5 million at September 30, 2025, primarily due to a decrease in retained earnings[174]. - The Company had total outstanding borrowings of $323.9 million as of September 30, 2025, down from $498.3 million at December 31, 2024[198]. - As of September 30, 2025, the Company had the ability to obtain additional funding of $200.3 million from the FHLB and $223.3 million from the Federal Reserve Bank Discount Window[199]. Credit Quality - The allowance for credit losses increased by $3.0 million to $37.8 million, representing 40.4% of non-accruing loans and 1.34% of gross loans at September 30, 2025[169]. - The allowance for credit losses on loans was $37.8 million, or 1.34% of gross loans, at September 30, 2025, up from $34.8 million, or 1.15%, at December 31, 2024[184]. - The company established a $13.7 million specific reserve related to the cannabis sector and increased reserves for the discontinued Business Express Loan portfolio by $3.1 million during the first quarter of 2025[163]. - Net charge-offs for Q3 2025 were $16.9 million, significantly higher than $3.4 million in Q3 2024, largely due to a $12.7 million charge-off related to a cannabis-related relationship[184]. - Net charge-offs increased significantly to $26.8 million from $6.3 million in the same period of 2024, with a provision for credit losses rising to $29.8 million from $7.4 million[192]. Income and Expenses - Net income for Q3 2025 was $4.3 million, down from $6.7 million in Q3 2024, primarily due to $1.2 million more in credit loss provisioning and $2.6 million increase in non-interest expenses[180]. - Interest income decreased by $5.6 million, or 11.5%, to $43.0 million in Q3 2025 from $48.6 million in Q3 2024, with average interest-earning assets down by $313.5 million, or 8.8%[181]. - Non-interest income decreased by $382 thousand to $2.7 million in Q3 2025, primarily due to $782 thousand less in realized gains on equity investments[186]. - Non-interest expense increased by $2.6 million, or 19.0%, to $16.6 million in Q3 2025, driven by higher salaries, employee benefits, and regulatory assessment fees[187]. - For the first nine months of 2025, net income decreased by $15.8 million to a loss of $498 thousand, primarily due to higher provisioning for loan loss expenses and increased non-interest expenses[189]. - Net interest income decreased by $1.0 million, with interest income down $16.9 million (11.5%) to $130.4 million for the first nine months of 2025 compared to $147.4 million in 2024[190]. - Non-interest expense increased by $3.7 million (8.8%) to $46.5 million, primarily due to higher salaries and employee benefits[194]. - The income tax provision decreased by $1.1 million to $1.5 million in Q3 2025, with an effective tax rate of 26.6% compared to 28.7% in Q3 2024[188]. - The income tax provision decreased by $6.7 million, resulting in an income tax benefit of $386 thousand for the first nine months of 2025[195]. Interest Rate Risk - The weighted average interest rate of FHLB advances was 4.09% at September 30, 2025, down from 4.35% at December 31, 2024[172]. - As of September 30, 2025, a 100-basis point decrease in interest rates would result in a 0.05% increase in NPV, compared to a 0.27% increase at December 31, 2024[213]. - The net portfolio value (NPV) at a 100-basis point increase is $386,694, reflecting a decrease of $14,452 or 3.60% from PAR[212]. - The NPV ratio as a percentage of assets is 11.97% at a 100-basis point increase, down from 12.22% at PAR[212]. - A 200-basis point decrease in interest rates would yield an NPV of $410,813, an increase of $9,667 or 2.41% from PAR[212]. - The NPV at a 300-basis point decrease is $417,460, showing an increase of $16,314 or 4.07% from PAR[212]. - The methodology for measuring interest rate risk has inherent shortcomings, as it assumes constant asset and liability composition over the measurement period[214]. - The NPV table does not provide a precise forecast of the impact of market interest rate changes on net interest income[214]. - The company’s interest-sensitive assets and liabilities are assumed to respond uniformly to interest rate changes, which may not reflect actual market behavior[214]. - The NPV as a percentage of assets shows slight fluctuations with changes in interest rates, indicating sensitivity to market conditions[212]. - The company’s interest rate risk exposure is indicated at specific points in time but may differ from actual results[214]. Capital Ratios - The Community Bank Leverage Ratio was 10.60% as of September 30, 2025, exceeding the minimum requirement of 9%[206]. - Total Capital to Risk-Weighted Assets was 13.45% as of September 30, 2025, above the regulatory requirement of 8%[208].

Financial Performance - Net income for the third quarter of 2025 was $4.3 million, an increase from $3.6 million in the second quarter of 2025 but a decrease from $6.7 million in the third quarter of 2024[2][15] - Earnings per diluted share for the third quarter were $0.22, compared to $0.18 in the preceding quarter and $0.36 in the third quarter of 2024[2] - Net income for the third quarter of 2025 was $4.262 million, a 19.6% increase from $3.564 million in the previous quarter[39] - Basic and diluted net income per common share for the third quarter of 2025 was $0.22, reflecting a 22.0% increase from $0.18 in the previous quarter[39] - Net loss available to common stockholders was $1,944,000, a decrease of 113.9% from $13,994,000 profit in the previous year[40] - Basic and diluted net loss per common share was $(0.11), down from $0.82 in the prior year, reflecting a 113.8% decline[40] Asset and Liability Management - Total assets decreased by $246.0 million, or 6.8 percent, to $3.353 billion at September 30, 2025, from $3.599 billion at December 31, 2024[8] - Total assets decreased to $3,353,065 thousand in Q3 2025 from $3,380,461 thousand in Q2 2025, a decline of 0.8%[46] - Total assets decreased to $3,380,310 thousand in Q3 2025 from $3,702,875 thousand in Q3 2024, a decline of 8.69%[42] - Total liabilities decreased to $3,064,329 thousand in Q3 2025 from $3,381,092 thousand in Q3 2024, a reduction of 9.36%[42] Deposits and Loans - Total deposits increased to $2.687 billion at September 30, 2025, from $2.662 billion at June 30, 2025[6] - Deposits increased to $2,687,387 thousand in Q3 2025, up from $2,661,534 thousand in Q2 2025, reflecting a growth of 1.0%[49] - Total loans receivable decreased by $207.3 million, or 6.9 percent, to $2.789 billion at September 30, 2025, from $2.996 billion at December 31, 2024[7][10] - Total loans, net decreased to $2,788,932 thousand in Q3 2025 from $2,860,453 thousand in Q2 2025, a decline of 2.5%[49] Income and Expenses - Non-interest expense increased by $2.6 million, or 19.0 percent, to $16.6 million for the third quarter of 2025 compared to $13.9 million for the third quarter of 2024[21] - Non-interest expense rose by $3.7 million, or 8.8%, to $46.5 million for the first nine months of 2025, driven primarily by a $2.3 million increase in salaries and employee benefits[29] - Total interest and dividend income for the third quarter of 2025 was $43.042 million, a decrease of 11.5% compared to $48.626 million for the same period in 2024[39] - Total interest and dividend income decreased by 11.5% to $130,415,000 compared to $147,356,000 in the previous year[40] - Net interest income after provision for credit losses increased by 7.8% to $19.631 million for the third quarter of 2025, compared to $20.155 million for the same period in 2024[39] - Net interest income after provision for credit losses fell by 37.5% to $39,002,000 from $62,411,000 year-over-year[40] Credit Quality - The provision for credit losses was $4.1 million in the third quarter of 2025, down from $4.9 million in the second quarter of 2025 but up from $2.9 million in the third quarter of 2024[6][19] - Net charge-offs for the third quarter of 2025 were $16.9 million, significantly higher than the $3.4 million recorded in the third quarter of 2024[31] - Non-accrual loans totaled $93.5 million, or 3.31% of gross loans, at September 30, 2025, up from $35.3 million, or 1.13% of gross loans, at September 30, 2024[32] - The allowance for credit losses was $37.8 million, or 1.34% of gross loans, at September 30, 2025, compared to $34.7 million, or 1.11% of gross loans, at September 30, 2024[32] - The allowance for credit losses as a percentage of non-accrual loans was 40.4 percent at September 30, 2025, down from 49.8 percent at the prior quarter-end[6] Efficiency and Returns - The annualized return on average assets ratio for the third quarter was 0.50 percent, compared to 0.42 percent in the prior quarter and 0.72 percent in the third quarter of 2024[6] - The efficiency ratio for Q3 2025 was 62.63%, up from 60.64% in Q2 2025, indicating a decrease in operational efficiency[50] - Return on average assets improved to 0.50% in Q3 2025 from 0.42% in Q2 2025[50] Interest Rates and Margins - Net interest margin rose to 2.88 percent for the third quarter of 2025, up from 2.80 percent in the second quarter of 2025 and 2.58 percent in the third quarter of 2024[6][18] - Net interest margin improved to 2.88% in Q3 2025 from 2.58% in Q3 2024[42] - Net interest rate spread increased to 2.17% in Q3 2025 from 1.82% in Q3 2024[42]

Core Insights - BCB Bancorp reported revenue of $26.46 million for the quarter ended September 2025, reflecting a 1.1% increase year-over-year and a surprise of +3.02% over the Zacks Consensus Estimate of $25.68 million [1] - The company's EPS was $0.22, down from $0.36 in the same quarter last year, with an EPS surprise of +4.76% compared to the consensus estimate of $0.21 [1] Financial Performance Metrics - Net Interest Margin was reported at 2.9%, exceeding the average estimate of 2.8% from two analysts [4] - The Efficiency Ratio was 62.6%, higher than the average estimate of 60% from two analysts [4] - Total Non-Interest Income reached $2.75 million, surpassing the estimated $2.22 million [4] - Net Interest Income was reported at $23.71 million, above the average estimate of $23.46 million [4] Stock Performance - BCB Bancorp's shares have returned -7.4% over the past month, contrasting with the Zacks S&P 500 composite's +2.5% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Core Insights - BCB Bancorp (BCBP) reported quarterly earnings of $0.22 per share, exceeding the Zacks Consensus Estimate of $0.21 per share, but down from $0.36 per share a year ago, indicating an earnings surprise of +4.76% [1] - The company posted revenues of $26.46 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 3.02% and showing an increase from $26.17 million year-over-year [2] - BCB Bancorp shares have declined approximately 30.7% year-to-date, contrasting with the S&P 500's gain of 15.5% [3] Earnings Outlook - The company's earnings outlook is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters and any recent changes to these expectations [4] - The current consensus EPS estimate for the next quarter is $0.22 on revenues of $25.86 million, and for the current fiscal year, it is $0.10 on revenues of $100.73 million [7] Industry Context - The Zacks Industry Rank for Banks - Northeast, to which BCB Bancorp belongs, is currently in the top 20% of over 250 Zacks industries, suggesting a favorable industry outlook [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5] Performance Comparison - BCB Bancorp has surpassed consensus EPS estimates only once in the last four quarters, while it has topped consensus revenue estimates twice in the same period [2][6] - Another bank in the same industry, Princeton Bancorp (BPRN), is expected to report quarterly earnings of $1.00 per share, reflecting a year-over-year increase of +58.7% [9]

Core Insights - BCB Bancorp, Inc. reported a net income of $4.3 million for Q3 2025, an increase from $3.6 million in Q2 2025 but a decrease from $6.7 million in Q3 2024 [1][14] - The company declared a quarterly cash dividend of $0.16 per share, payable on November 24, 2025 [2] - The CEO highlighted a profitable quarter with improved capital ratios and a strong liquidity position, alongside an expanding net interest margin [3] Financial Performance - Net interest income for Q3 2025 was $23.7 million, a slight increase from $23.1 million in Q2 2025, but a decrease from $23.0 million in Q3 2024 [40] - The net interest margin increased to 2.88% in Q3 2025 from 2.80% in Q2 2025 and 2.58% in Q3 2024 [8][17] - Total assets decreased by $246 million, or 6.8%, to $3.353 billion as of September 30, 2025, primarily due to strategic initiatives to enhance capital ratios [6] Asset Quality - The company recognized $16.9 million in net charge-offs during Q3 2025, significantly higher than $3.4 million in Q3 2024, largely due to a $12.7 million charge-off related to a cannabis loan [18][30] - Non-accrual loans totaled $93.5 million, or 3.31% of gross loans, at September 30, 2025, compared to $35.3 million, or 1.13%, a year earlier [31] Balance Sheet Highlights - Total deposits were $2.687 billion at September 30, 2025, a slight increase from $2.662 billion at June 30, 2025 [8][11] - The allowance for credit losses increased to $37.8 million, or 1.34% of gross loans, as of September 30, 2025, compared to $34.8 million, or 1.15%, at December 31, 2024 [9][19] - Stockholders' equity decreased by $5.5 million, or 1.7%, to $318.5 million at September 30, 2025, primarily due to a decline in retained earnings [13] Year-to-Date Performance - For the first nine months of 2025, the company reported a net loss of $498,000, a significant decline from a profit of $15.4 million in the same period of 2024 [23][42] - Net interest income for the first nine months of 2025 was $130.4 million, down 11.5% from $147.4 million in 2024 [24] - Non-interest income increased to $6.6 million for the first nine months of 2025, compared to $2.0 million in the same period of 2024 [27]