Bcb Bancorp, Inc. (nj) · NASDAQ:BCBP
Bcb Bancorp, Inc. (nj) — BCB Bancorp — IPO Roadshow (September 2026)
30 slides from Bcb Bancorp, Inc. (nj)'s IPO roadshow presentation, Sep 17, 2026
Slide 1: Free Writing Prospectus: Follow-on Offering of Common Stock
Printer Margins Binding Zone Free Writing Prospectus This revised investor presentation replaces and supersedes the version 68 Filed Pursuant to Rule 433 72 previously filed on September 16, 2026 and corrects minor, non-material errors 74 Registration Statement No. 333-298337 in Pre-Provision Net Re
Slide 2: Notice to and Undertaking by Recipients
Notice to and Undertaking by Recipients This presentation has been prepared by BCB Bancorp, Inc. (the “Company”) solely for information purposes based on its own information, as well as information from public sources. This presentation is a summary only and has been prepared to assist interested pa
Slide 3: Forward-Looking Statements
Printer Margins Binding Zone 68 72 Forward-Looking Statements 74 0 This presentation contains a number of forward-looking statements within the meaning of the federal securities laws, including the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. 121 These statements m
Slide 4: Offering Summary
Printer Margins Binding Zone 68 72 Offering Summary 74 0 121 Issuer BCB Bancorp, Inc. 134 0 179 NASDAQ: BCBP Exchange / Ticker 189 149 159 Follow-on Offering of Common Stock Offering Type 167 119 47 [x] Shares of Common Stock (100% Primary) Base Shares Offered 116 26 50 $75 million Base Offering Siz
Slide 5: Today's Presenters
Printer Margins Binding Zone 68 72 Today’s Presenters 74 0 Thomas M. O’Brien 121 President, Chief Executive Officer, and Director 134 ❖ Began tenure as Chief Executive Officer of the corporation in June of 2026 0 179❖ Previously served as Chairman and Chief Executive Officer of Sterling Bancorp, Inc
Slide 6: Common Equity Raise to Address Credit Portfolio
Printer Margins Binding Zone 68 72 Common Equity Raise to Address Credit Portfolio 74 0 121 The next step in creating a more efficient and profitable institution 134 0 179 189 ❖ Advances BCBP’s Strategic Reset 149 159 o Supports a simpler operating model focused on higher-quality relationships and a
Slide 7: Value Proposition
Printer Margins Binding Zone 68 72 Value Proposition 74 0 121 134 Reduce uncertainty surrounding the commercial real estate portfolio, significantly 0 179 improving asset quality profile 189 149 159 167 119 Maintain an attractive core deposit franchise with a substantial reduction in 47 116 wholesal
Slide 8: Company Overview
Printer Margins Binding Zone 68 72 Company Overview 74 0 Company Highlights Branch Footprint 121 134 ❖ A $3.1B asset commercial bank headquartered in 0 179 Bayonne, NJ 189 149 ❖ Founded in 2000 NJ 159 167 ❖ Publicly traded and listed on NASDAQ under the NY 119 47 ticker BCBP Bayonne 116 26 ❖ Operate
Slide 9: Company History
Printer Margins Binding Zone 68 72 Company History 74 2024: Raised 0 $40.0M in 121 June 2026: subordinated 134 2018: Acquired IA Tom O’Brien debt Bancorp, Inc. for begins tenure as 0 $20.0M to further 179 CEO grow core banking 189 business 149 2018: Raised 159 $33.5M in 167 subordinated 2010: Acquir
Slide 10: Market Data and Financial Snapshot
Printer Margins Binding Zone 68 72 Market Data and Financial Snapshot 74 0 Q2 2026 Financial 121 Market Data¹ Key Financial Metrics¹ Highlights 134 0 $3.1 Billion 179 189 ❖ NIM of 3.03%, up 8 bps Total Assets QoQ and 23 bps YoY 149 159 167 $155 Million $2.6 Billion 5.41% 119❖ Total loans of $2.6 47
Slide 11: Company Focus
Printer Margins Binding Zone 68 72 Company Focus 74 0 121 BCB vision is to be a high-performing community bank, offering a simple, 134 connected and trusted banking experience in the markets we serve 0 179 189 149 ❖ Improved credit discipline with more consistent and 159 167 diligent underwriting En
Slide 12: Highly Attractive Markets with Strong Customer Base
Printer Margins Binding Zone 68 72 Highly Attractive Markets with Strong Customer Base Poised to Continue 74 0 121 Attractive Demographics and Business Density New York-Newark-Jersey City, NY-NJ 134 MSA 0 Median Household Income Projected Median Household 179 Income Growth 189 149 13bps U.S. MSA by
Slide 13: New Jersey Bank Landscape Evolving Over Time
Printer Margins Binding Zone 68 72 New Jersey Bank Landscape Evolving Over Time 74 0 Top 15 Largest New Jersey Banks as of December 31, 2015 Top 15 Largest New Jersey Banks as of June 30, 2026 121 134 Rank Institution Assets ($B) Rank Institution Assets ($B) 1 Valley National Bancorp $21.6 1 Valley
Slide 14: Select Regional Competitors
Printer Margins Binding Zone 68 72 Select Regional Competitors 74 Financials as of June 30, 2026 LTM Profitability Valuation as of September 11, 2026 Rankings 0 CRE / LTM Price / 121 Total Total Loans / Total LTM LTM LTM Effic. LTM 2027E Div Market 134 Assets Deposits Deposits RBC ROAA ROAE NIM Rati
Slide 15: Consistent NIM Will Drive Higher Profitability
Printer Margins Binding Zone 68 72 Consistent NIM Will Drive Higher Profitability 74 0 121 Stable Net Interest Margin (%) 134 Commentary 0 179 ❖ NIM has improved from approximately 2.59% to 189 above 3.00% through liquidity management and 149 balance sheet repositioning . . . 159 . . 167 ❖ Managemen
Slide 16: Securities Portfolio Overview
Printer Margins Binding Zone 68 72 Securities Portfolio Overview 74 0 121 Commentary Total Securities Portfolio ($M) 134 ❖ Portfolio strategy has shifted toward higher-quality, more 0 liquid securities, including agency securities issued by 179 189 Fannie Mae and Freddie Mac all HFS 149❖ Management
Slide 17: Deposit Overview
Printer Margins Binding Zone 68 72 Deposit Overview 74 0 121 Commentary Deposit Composition at June 30, 2026 134 ❖ Core deposit franchise supported by strong customer 0 loyalty and long-tenured relationships 179 189 umbo Time Noninterest Bearing 1 .3 149 1 . ❖ Stable deposit balances and limited fun
Slide 18: Diversified Loan Portfolio
Printer Margins Binding Zone 68 72 Diversified Loan Portfolio 74 0 121 Commentary Loan Portfolio Composition at June 30, 2026 134 ❖ Focused loan portfolio concentrated in the New York 0 1 Family metropolitan area, with limited out-of-market exposure 179 1 .0 189 Non OO CRE 149 3 . ❖ Meaningful non-o
Slide 19: Commercial Real Estate and Multifamily
Printer Margins Binding Zone 68 72 Commercial Real Estate and Multifamily 74 0 121 CRE Investment by Property Type (%) Multifamily Portfolio Breakdown (%) 134 Pennsylvania 2.2 0 Retail 179 1 . 189 Multi Family 2 .3 149 159 167 New ork New ersey $1.9 Billion $473 Million 3 . .2 Other 119 2 . 47 Total
Slide 20: Profitability Metrics
Printer Margins Binding Zone 68 72 Profitability Metrics 74 0 121 Commentary Efficiency Ratio (%) 134 . ❖ Core profitability remains intact, as evidenced by sequential 0 growth in pre-provision net revenue (“PPNR”) 179 . 189 ❖ PPNR provides a stable earnings base despite elevated 149 credit costs an
Slide 21: Illustrative Transaction Assumptions
Printer Margins Binding Zone 68 72 Illustrative Transaction Assumptions 74 0 121 Potential Transaction Assumptions 134 BCBP is evaluating a potential repositioning of specific problem loans as well as a sale of the 1 0 179 cannabis lending business Potential Problem 189 ~$210 Million Loans Sold: 149
Slide 22: Illustrative Transaction Assumptions
Printer Margins Binding Zone 68 72 Illustrative Transaction Assumptions 74 0 121 134 ($ in millions) Illustrative Assumptions 0 Illustrative Loan Sales and Capital Offering 179 ❖ Problem loans portion sold and held for 189 sale estimated to be ~72% of par 149 159 . ❖ Balance of the problem loans sol
Slide 23: Balance Sheet Metrics
Printer Margins Binding Zone 68 72 Balance Sheet Metrics 74 0 121 Total Assets ($M) Total Loans ($M) 134 0 179 189 149 159 167 119 47 116 26 50 96 202 202 1 202 2 202 3 Projected 202 202 1 202 2 202 3 Projected 69 144 184 Total Equity ($M) Total Deposits ($M) 202 202 1 202 2 202 3 Projected 202 202
Slide 24: Potential Repositioning Metrics
Printer Margins Binding Zone 68 72 Potential Repositioning Metrics 74 0 121 Net Interest Margin (%) Pre-Provision Net Revenue ($M)² TBV Per Share ($)² 134 0 . 179 . 189 . 149 159 167 . 119 47 116 26 T Stand A one T Pro ected Stand A one Pro ected 50 Stand A one Pro ected 96 69 144 Loan / Deposit Rat
Slide 25: Asset Quality
Printer Margins Binding Zone 68 72 Asset Quality 74 0 121 NPAs / Assets (%) NCOs / Avg Loans (%) 134 . . 0 179 189 . . 149 . 159 167 . . 119 . 47 116 26 202 3 202 202 1 202 2 202 3 Pro 50 Forma 202 202 1 202 2 96 69 144 184 ACL / NPAs (%) ACL / Gross Loans (%) . . Stand A one Pro ected Stand A one P
Slide 26: Appendix
Printer Margins Binding Zone 68 72 74 0 121 134 0 179 189 149 159 167 119 47 Appendix 116 26 50 96 69 144 184 | 25
Slide 27: Historical Consolidated Balance Sheet
Printer Margins Binding Zone 68 72 Historical Consolidated Balance Sheet 74 0 ($ in thousands) 2022 2023 2024 2025 2025Q3 2025Q4 2026Q1 2026Q2 121 Balance Sheet 134 Cash and Equivalents $230,094 $280,258 $318,017 $277,319 $250,349 $277,319 $294,472 $197,622 0 179 Investment Securities 129,514 121,77
Slide 28: Historical Consolidated Income Statement
Printer Margins Binding Zone 68 72 Historical Consolidated Income Statement 74 0 ($ in thousands) 2022 2023 2024 2025 2025Q3 2025Q4 2026Q1 2026Q2 121 Income Statement 134 0 Interest Income $131,441 $188,360 $194,009 $172,959 $43,042 $42,544 $40,402 $40,461 179 189 Interest Expense 17,496 84,298 101,
Slide 29: Non-GAAP Reconciliation
Printer Margins Binding Zone 68 72 Non-GAAP Reconciliation 74 ($ in thousands) 2022 2023 2024 2025 2025Q3 2025Q4 2026Q1 2026Q2 0 121 Consolidated TCE / TA 134 Common Equity 270,251 289,012 299,202 279,041 293,210 279,041 282,137 266,676 0 Less: Intangible Assets 5,382 5,253 5,253 5,253 5,253 5,253 5
Slide 30: Proxy Peer Group
Printer Margins Binding Zone 68 72 Proxy Peer Group 74 Financials as of June 30, 2026 Valuation as of 0 Balance Sheet Capital Position LTM Profitability September 11, 2026 LTM Profitability 121 Total CRE / 134 Loans / NPAs / TCE / Lev. RBC Total Efficiency Price / Market Assets Deposits Assets TA Ra