UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 Or o 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) New Jersey 26-0065262 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 Or o 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) New Jersey 26-0065262 (Stat ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 Or o 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) New Jersey 26-0065262 (Sta ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ Annual Report Pursuant To Section 13 or 15(d) Of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2019. 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: 000-50275 BCB BANCORP, INC. (Exact name of registrant as specified in its charter) | - ...

Financial Position - Total assets increased by $150.8 million, or 5.6 percent, to $2.825 billion at September 30, 2019 from $2.675 billion at December 31, 2018[130] - Loans receivable decreased by $24.8 million, or 1.1 percent, to $2.254 billion at September 30, 2019 from $2.278 billion at December 31, 2018[130] - Total cash and cash equivalents increased by $181.3 million, or 92.9 percent, to $376.6 million at September 30, 2019 from $195.3 million at December 31, 2018[130] - Deposit liabilities increased by $82.7 million, or 3.8 percent, to $2.263 billion at September 30, 2019 from $2.181 billion at December 31, 2018[130] - Stockholders' equity increased by $23.5 million, or 11.7 percent, to $223.7 million at September 30, 2019 from $200.2 million at December 31, 2018[130] - The allowance for loan losses was $22.4 million, or 309.6 percent of non-accruing loans, at September 30, 2019[130] - Total investment securities decreased by $22.9 million, or 18.1 percent, to $104.0 million at September 30, 2019 from $127.0 million at December 31, 2018[130] - Debt obligations increased by $30.2 million, or 10.7 percent, to $312.6 million at September 30, 2019 from $282.4 million at December 31, 2018[130] - The Company had total borrowings of $312.5 million at September 30, 2019, up from $282.4 million at December 31, 2018[142] Income and Expenses - Net income increased by $638,000, or 13.9%, to $5.2 million for the three months ended September 30, 2019, compared to $4.6 million for the same period in 2018[136] - Net interest income rose by $680,000, or 3.4%, to $20.8 million for the three months ended September 30, 2019, from $20.1 million for the same period in 2018[136] - Total non-interest income decreased by $469,000, or 25.3 percent, to $1.4 million for the three months ended September 30, 2019, from $1.9 million for the same period in 2018[138] - Total non-interest expense decreased by $739,000, or 5.1 percent, to $13.7 million for the three months ended September 30, 2019, from $14.4 million for the same period in 2018[138] - The income tax provision increased by $319,000, or 15.6 percent, to $2.4 million for the three months ended September 30, 2019, from $2.0 million for the same period in 2018[138] Interest Income and Expenses - Interest income on loans receivable increased by $2.8 million, or 10.9%, to $28.9 million for the three months ended September 30, 2019[136] - Average balance of interest-earning assets increased by $213.0 million, or 8.5%, to $2.710 billion for the three months ended September 30, 2019[136] - Average yield on interest-earning assets increased by 15 basis points to 4.63% for the three months ended September 30, 2019[136] - Total interest expense increased by $2.7 million, or 34.4%, to $10.6 million for the three months ended September 30, 2019[136] - Average balance of interest-bearing liabilities increased by $173.6 million, or 8.3%, to $2.265 billion for the three months ended September 30, 2019[136] - Average rate on interest-bearing liabilities increased by 36 basis points to 1.87% for the three months ended September 30, 2019[136] Loan Performance - Non-accrual loans totaled $5.1 million, or 0.22 percent, of gross loans at September 30, 2019, down from $7.2 million, or 0.31 percent, at December 31, 2018[138] - The allowance for loan losses was $24.7 million, or 1.08 percent, of gross loans at September 30, 2019, compared to $22.4 million, or 0.97 percent, at December 31, 2018[138] - Interest income on loans receivable increased by $16.1 million, or 23.2 percent, to $85.7 million for the nine months ended September 30, 2019[140] - The average balance of loans receivable rose by $334.5 million, or 16.9 percent, to $2.318 billion for the nine months ended September 30, 2019[140] - The provision for loan losses decreased by $1.8 million to $2.5 million for the nine months ended September 30, 2019[140] Capital Ratios - As of September 30, 2019, BCB Community Bank's total capital to risk-weighted assets ratio was 13.03%, exceeding the minimum requirement of 8.00%[144] - The Tier 1 capital to risk-weighted assets ratio was 11.88%, above the required 6.00%[144] - Common Equity Tier 1 Capital to risk-weighted assets ratio stood at 11.88%, surpassing the minimum requirement of 4.50%[144] - The capital conservation buffer reached 2.5% in 2019, in compliance with regulatory requirements[143] Risk Management - The bank is evaluating the option to utilize the community bank leverage ratio of 9% for institutions under $10 billion in assets[143] - The bank's management regularly monitors interest rate risk through an Asset/Liability Committee[145] - The net portfolio value (NPV) at "PAR" was $240,313,000, with a potential decrease of 7.00% if interest rates increase by 100 basis points[146] - A 200 basis point increase in interest rates would result in a decrease of 16.72% in NPV[146] Compliance and Legal Matters - The bank's disclosure controls and procedures were deemed effective as of the end of the reporting period[147] - As of September 30, 2019, there were no material legal proceedings affecting the company's financial condition[148]

Financial Position - Total assets increased by $63.4 million, or 2.4%, to $2.738 billion at June 30, 2019 from $2.675 billion at December 31, 2018[130] - Loans receivable increased by $21.3 million, or 0.9%, to $2.300 billion at June 30, 2019 from $2.278 billion at December 31, 2018[130] - Total cash and cash equivalents increased by $32.4 million, or 16.6%, to $227.6 million at June 30, 2019 from $195.2 million at December 31, 2018[130] - Deposit liabilities increased by $27.5 million, or 1.3%, to $2.208 billion at June 30, 2019 from $2.181 billion at December 31, 2018[130] - Stockholders' equity increased by $20.9 million, or 10.5%, to $221.2 million at June 30, 2019 from $200.3 million at December 31, 2018[130] - Retained earnings increased by $4.9 million to $43.3 million at June 30, 2019 from $38.4 million at December 31, 2018[130] - The allowance for loan losses was $23.8 million, or 433.5% of non-accruing loans and 1.02% of gross loans, at June 30, 2019[130] Income Statement - Net income increased by $2.9 million, or 126.0%, to $5.2 million for the three months ended June 30, 2019, compared to $2.3 million for the same period in 2018[136] - Net interest income rose by $875,000, or 4.4%, to $20.9 million for the three months ended June 30, 2019, from $20.0 million in the same period of 2018[136] - Interest income on loans receivable increased by $4.6 million, or 19.1%, to $28.6 million for the three months ended June 30, 2019[136] - Total non-interest income decreased by $235,000, or 15.0 percent, to $1.3 million for the three months ended June 30, 2019[138] - Total non-interest expense decreased by $2.1 million, or 13.1 percent, to $13.9 million for the three months ended June 30, 2019[138] - The income tax provision increased by $1.1 million, or 93.1 percent, to $2.3 million for the three months ended June 30, 2019[138] Interest and Yield - Average balance of interest-earning assets increased by $361.0 million, or 15.9%, to $2.638 billion for the three months ended June 30, 2019[136] - Average yield on loans increased by 18 basis points to 4.92% for the three months ended June 30, 2019, compared to 4.74% for the same period in 2018[136] - Total interest expense increased by $4.2 million, or 73.1%, to $9.9 million for the three months ended June 30, 2019[136] - Average rate on interest-bearing liabilities increased by 59 basis points to 1.80% for the three months ended June 30, 2019[136] - Interest income on other interest-earning assets increased by $558,000, or 90.7%, to $1.2 million for the three months ended June 30, 2019[136] Loan Performance - Provision for loan losses decreased by $1.3 million to $755,000 for the three months ended June 30, 2019, from $2.1 million for the same period in 2018[138] - Non-accrual loans totaled $5.5 million, or 0.24 percent, of gross loans at June 30, 2019[138] - The allowance for loan losses was $23.8 million, or 1.02 percent, of gross loans at June 30, 2019[138] Capital Ratios - As of June 30, 2019, the total capital to risk-weighted assets ratio was 12.67%, exceeding the required 8.00%[146] - The Tier 1 capital to risk-weighted assets ratio stood at 11.57%, above the minimum requirement of 6.00%[146] - Common Equity Tier 1 Capital to risk-weighted assets was reported at 12.01%, surpassing the 8.00% requirement[146] Interest Rate Risk Management - The company has established an Asset/Liability Committee to manage interest rate risk and evaluate the inherent risks in assets and liabilities[147] - Senior management regularly monitors interest rate risk, with quarterly reviews conducted by the Asset/Liability Committee[147] - The company assumes a 48-month term for core deposits without stated maturity dates in its NPV calculations[147] - The NPV table indicates that actual results may differ from the modeled assumptions due to inherent shortcomings in the methodology[148] NPV Analysis - The company's net portfolio value (NPV) at PAR was $239,801,000[148] - A 100 basis point increase in interest rates would decrease the NPV to 8.30%[148] - The NPV for a 200 basis point increase would be $192,493,000, reflecting a 19.73% decrease from PAR[148]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 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 March 31, 2019 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 NewJersey (State or other jurisdiction of incorporationororganization) BCB Bancorp, Inc. (Exact name of registrant as speci ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ Annual Report Pursuant To Section 13 or 15(d) Of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2018. 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: 000-50275 BCB BANCORP, INC. (Exact name of registrant as specified in its charter) | - ...