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 16, 2026
Slide 1: Follow-on Offering of Common Stock
Printer Margins Binding Zone 68 Free Writing Prospectus 72 74 Filed Pursuant to Rule 433 Registration Statement No. 333-298337 0 63 Dated September 16, 2026 173 151 187 181 0 127 117 181 130 200 115 30 42 81 130 98 255 93 0 September 2026 209 175 34 Follow-on Offering 74 79 85 of Common Stock 142 14
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
Forward-Looking Statements 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. These statements may be identified by use of words such as “an
Slide 4: Offering Summary
Offering Summary Issuer BCB Bancorp, Inc. NASDAQ: BCBP Exchange / Ticker Follow-on Offering of Common Stock Offering Type [x] Shares of Common Stock (100% Primary) Base Shares Offered $75 million Base Offering Size 15% (100% Primary) Underwriters’ Option General corporate purposes, including maintai
Slide 5: Today's Presenters
Today’s Presenters Thomas M. O’Brien President, Chief Executive Officer, and Director v Began tenure as Chief Executive Officer of the corporation in June of 2026 v Previously served as Chairman and Chief Executive Officer of Sterling Bancorp, Inc. v Formerly served as Chief Executive Officer of Sta
Slide 6: Common Equity Raise to Address Credit Portfolio
Common Equity Raise to Address Credit Portfolio The next step in creating a more efficient and profitable institution v Advances BCBP’s Strategic Reset o Supports a simpler operating model focused on higher-quality relationships and assets o Enhances BCBP’s ability to execute its business plan and p
Slide 7: Value Proposition
Value Proposition Reduce uncertainty surrounding the commercial real estate portfolio, significantly improving asset quality profile Maintain an attractive core deposit franchise with a substantial reduction in wholesale funding Further support liquidity profile while minimizing NIM compression Cont
Slide 8: Company Overview
Company Overview Company Highlights Branch Footprint v A $3.1B asset commercial bank headquartered in Bayonne, NJ v Founded in 2000 NJ v Publicly traded and listed on NASDAQ under the NY ticker BCBP Bayonne v Operates 26 full-service banking offices Q2 2026 Financial Highlights ($M) Total Assets $3,
Slide 9: Company History
Company History 2024: Raised $40.0M in June 2026: subordinated 2018: Acquired IA Tom O’Brien debt Bancorp, Inc. for begins tenure as $20.0M to further CEO grow core banking business 2018: Raised $33.5M in subordinated 2010: Acquired 2016: Opened debt Pamrapo Bancorp, a branch in $3.8 Inc. for $38.8M
Slide 10: Market Data and Financial Snapshot
Market Data and Financial Snapshot Q2 2026 Financial Market Data¹ Key Financial Metrics¹ Highlights $3.1 Billion v NIM of 3.03%, up 8 bps Total Assets QoQ and 23 bps YoY $155 Million $2.6 Billion 5.41% v Total loans of $2.6 Market Capitalization Total Net Loans MRQ Yield on Loans billion, down 9% Yo
Slide 11: Company Focus
Company Focus BCB vision is to be a high-performing community bank, offering a simple, connected and trusted banking experience in the markets we serve v Improved credit discipline with more consistent and diligent underwriting Enhanced management, credit and risk infrastructure built for better per
Slide 12: Highly Attractive Markets with Strong Customer Base
Highly Attractive Markets with Strong Customer Base Poised to Continue Attractive Demographics and Business Density New York-Newark-Jersey City, NY-NJ MSA Median Household Income Projected Median Household Income Growth $105,148 13bps U.S. MSA by GDP #1 11.43% (~$2.3T) 21% 11.30% $86,867 #1 Global F
Slide 13: New Jersey Bank Landscape Evolving Over Time
New Jersey Bank Landscape Evolving Over Time Top 15 Largest New Jersey Banks as of December 31, 2015 Top 15 Largest New Jersey Banks as of June 30, 2026 Rank Institution Assets ($B) Rank Institution Assets ($B) 1 Valley National Bancorp $21.6 1 Valley National Bancorp $66.3 2 Investors Bancorp, Inc.
Slide 14: Select Regional Competitors
Select Regional Competitors Financials as of June 30, 2026 LTM Profitability Valuation as of September 11, 2026 CRE / LTM Price / Total Total Loans / Total LTM LTM LTM Effic. LTM 2027E Div Market Assets Deposits Deposits RBC ROAA ROAE NIM Ratio TBV EPS EPS Yield Cap Company State Ticker ($M) ($M) (%
Slide 15: Consistent NIM Will Drive Higher Profitability
Consistent NIM Will Drive Higher Profitability Stable Net Interest Margin (%) Commentary v NIM has improved from approximately 2.59% to above 3.00% through liquidity management and balance sheet repositioning 3.03 3.03 2.88 2.80 2.59 v Management expects NIM to remain broadly stable near 3.00% as th
Slide 16: Securities Portfolio Overview
Securities Portfolio Overview Commentary Total Securities Portfolio ($M) v Portfolio strategy has shifted toward higher-quality, more liquid securities, including agency securities issued by Fannie Mae and Freddie Mac all HFS v Management does not anticipate a material restructuring of $152 $143 the
Slide 17: Deposit Overview
Deposit Overview Commentary Deposit Composition at June 30, 2026 v Core deposit franchise supported by strong customer loyalty and long-tenured relationships Jumbo Time² Noninterest-Bearing 16.3% 19.5% v Stable deposit balances and limited funding pressure provide a consistent source of liquidity v
Slide 18: Diversified Loan Portfolio
Diversified Loan Portfolio Commentary Loan Portfolio Composition at June 30, 2026 v Focused loan portfolio concentrated in the New York 1-4 Family metropolitan area, with limited out-of-market exposure 19.0% Non-OO CRE 37.8% v Meaningful non-owner-occupied real estate and business lending exposure p
Slide 19: Commercial Real Estate and Multifamily
Commercial Real Estate and Multifamily CRE Investment by Property Type (%) Multifamily Portfolio Breakdown (%) Pennsylvania 2.2% Retail 14.9% Multi-Family 25.3% New York New Jersey $1.9 Billion $473 Million 39.6% 58.2% Other 28.4% Total Total Mixed Use 20.6% Hospitality/Hotel Office 4.0% 6.9% Histor
Slide 20: Profitability Metrics
Profitability Metrics Commentary Efficiency Ratio (%) 120.0% v Core profitability remains intact, as evidenced by sequential growth in pre-provision net revenue (“PPNR”) 96.8% v PPNR provides a stable earnings base despite elevated credit costs and pressure on reported profitability 62.4% 62.6% v Co
Slide 21: Illustrative Transaction Assumptions
Illustrative Transaction Assumptions Potential Transaction Assumptions BCBP is evaluating a potential repositioning of specific problem loans as well as a sale of the 1 cannabis lending business Potential Problem ~$210 Million Loans Sold: The goal of the potential transactions is to improve profitab
Slide 22: Illustrative Transaction Assumptions
Illustrative Transaction Assumptions ($ in millions) Illustrative Assumptions Illustrative Loan Sales and Capital Offering v Problem loans portion sold and held for sale estimated to be ~72% of par $296.6 v Balance of the problem loans sold is ($87.0) ~$210 million $9.2 $69.9 $238.7 v Assumes initia
Slide 23: Balance Sheet Metrics
Balance Sheet Metrics Total Assets ($M) Total Loans ($M) $2,691 $2,656 $2,588 $3,279 $3,269 $2,202 $3,118 $3,004 2025Q4 2026Q1 2026Q2 2026Q3 Projected 2025Q4 2026Q1 2026Q2 2026Q3 Projected Total Equity ($M) Total Deposits ($M) $2,674 $2,672 $307 $304 $292 $2,636 $2,607 $234 2025Q4 2026Q1 2026Q2 2026
Slide 24: Potential Repositioning Metrics
Potential Repositioning Metrics Net Interest Margin (%) Pre-Provision Net Revenue ($M)² TBV Per Share ($)² 3.03% ~2.95% ~$19,502 $14.73 $10,471 $7.75 2026Q2 Stand-Alone 2026Q3 Projected 2026YTD Stand-Alone 2026Q3 YTD Projected ¹ 2026Q2 Stand-Alone 2026Q3 Projected ¹ Loan / Deposit Ratio (%) TCE / TA
Slide 25: Asset Quality
Asset Quality NPAs / Assets (%) NCOs / Avg Loans (%) 2.31% 3.39% 2.47% 2.08% 1.98% 0.98% 1.05% 0.57% 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 Pro Forma 2025Q4 2026Q1 2026Q2 ACL / NPAs (%) ACL / Gross Loans (%) 217% 3.01% 1.70% 58% 2026Q2 Stand-Alone 2026Q3 Projected 2026Q2 Stand-Alone 2026Q3 Projected Sou
Slide 26: Appendix
Appendix Fice BANCORP, we
Slide 27: Historical Consolidated Balance Sheet
Historical Consolidated Balance Sheet ($ in thousands) 2022 2023 2024 2025 2025Q3 2025Q4 2026Q1 2026Q2 Balance Sheet Cash and Equivalents $230,094 $280,258 $318,017 $277,319 $250,349 $277,319 $294,472 $197,622 Investment Securities 129,514 121,779 135,461 149,743 141,573 149,743 156,849 161,327 Loan
Slide 28: Historical Consolidated Income Statement
Historical Consolidated Income Statement ($ in thousands) 2022 2023 2024 2025 2025Q3 2025Q4 2026Q1 2026Q2 Income Statement Interest Income $131,441 $188,360 $194,009 $172,959 $43,042 $42,544 $40,402 $40,461 Interest Expense 17,496 84,298 101,988 79,918 19,331 18,321 17,565 17,116 Net Interest Income
Slide 29: Non-GAAP Reconciliation
Printer Margins Binding Zone 68 72 Non-GAAP Reconciliation 74 ($ 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
Proxy Peer Group Financials as of June 30, 2026 Valuation as of Balance Sheet Capital Position LTM Profitability September 11, 2026 Total CRE / Loans / NPAs / TCE / Lev. RBC Total Efficiency Price / Market Assets Deposits Assets TA Ratio Ratio RBC ROAA ROAE NIM Ratio TBV Cap Company State Ticker ($M