11-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM

11-K

☒	ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

For the fiscal year ended December 31, 2025

☐	TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

For the transition period from

Commission File Number

000-50275

A.	Full title of the Plan and the address of the Plan, if different from that of the issuer named below:

BCB Community Bank 401(k) Plan

B:	Name of issuer of the securities held pursuant to the Plan and the address of its principal executive office:

BCB Bancorp, Inc.

104-110

Avenue C

Bayonne, New Jersey 07002

BCB Community Bank

401(k) Plan

Financial Statements and

Supplementary Schedules

- Modified Cash Basis

As of December 31, 2025 and 2024 and for the Year Ended December 31, 2025

Document Contents


	Page

Report of Independent Registered Public Accounting Firm		1

Financial Statements – Modified Cash Basis
Statements of Net Assets Available for Benefits		5
Statement of Changes in Net Assets Available for Benefits		6
Notes to Financial Statements		7

Supplementary Schedules – Modified Cash Basis
Schedule H, Line 4a - Schedule of Delinquent Participant Contributions		17
Schedule H, Line 4i - Schedule of Assets (Held at End of Year)		18

Report of Independent Registered Public Accounting Firm

Plan Administrator and Participants

BCB Community Bank 401(k) Plan

Bayonne, New Jersey

Opinion on the Financial Statements

We have audited the accompanying statements of net assets available for benefits (modified cash basis) of the BCB Community Bank 401(k) Plan (the “Plan”) as of December 31, 2025, the related statement of changes in net assets available for benefits (modified cash basis) for the year then ended, and the related notes (collectively, the “financial statements”). In our opinion, the financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2025, and the changes in net assets available for benefits for the year then ended, in conformity with accounting principles generally accepted in the United States of America.

Basis for Opinion

These financial statements are the

responsibility

of the Plan’s management. Our responsibility is to express an opinion on the Plan’s financial statements based on our audit. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audit, we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Plan’s internal control over financial reporting. Accordingly, we express no such opinion.

Our audit included performing procedures to assess the risk of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audit also included evaluating the accounting principles used and significant estimates made by the Plan’s management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.


	2025		2024
Assets
Investments, at fair value	$	20,654,058	$	18,122,090
Investments, at contract value		834,148		876,954

Total investments		21,488,206		18,999,044
Notes receivable from participants		359,842		451,980

Net assets available for benefits	$	21,848,048	$	19,451,024


Additions to Net Assets Attributed to
Investment Income:
Interest and dividends	$	124,507
Net appreciation in fair value of investments		1,996,267

Total investment income		2,120,774

Interest income on notes receivable from participants		31,200

Contributions:
Participant contributions		1,435,464
Employer contributions		686,211
Other (including rollovers)		51,149

Total contributions		2,172,824

Total additions		4,324,798

Deductions from Net Assets Attributed to
Benefits paid to participants		1,742,952
Deemed distributions of participant loans		176,046
Administrative expenses		8,776

Total deductions		1,927,774

Net increase in net assets available for benefits	$	2,397,024
Net Assets Available for Benefits
Beginning of year	$	19,451,024

End of year	$	21,848,048


Years of Service	Percentage
Less than 1 year		0	%
1 year		20	%
2 years		40	%
3 years		60	%
4 years		80	%
5 years or more		100	%


Years of Service	Percentage
Less than 2 years		0	%
Two or More Years		100	%


	Assets at Fair Value as of December 31, 2025
	Level 1		Level 2		Level 3		Total
Company common stock fund	$	1,542,582	$	—	$	—	$	1,542,582

Total assets in the fair value hierarchy	$	1,542,582	$	—	$	—		1,542,582

Investments measured at net asset value (a)								19,111,476

Investments at fair value							$	20,654,058


BCB Community Bank 401(k) Plan
Schedule H, Line 4a - Schedule of Delinquent Participant Contributions
E.I.N. 22-3760320 Plan Number 001
Year Ended December 31, 2025


BCB Community Bank 401(k) Plan
Schedule H, Line 4i - Schedule of Assets (Held at End of Year)
EIN: 22-3760320 Plan Number: 001
December 31, 2025


(a)	Identity of Issuer (b)	Description of Investment (c)	Cost **(d)	Current Value (e)
*	BCB Bancorp, Inc.	Common Stock Fund		$	1,542,582
	Voya Retirement Insurance and Annuity Company	BlackRock LifePath Index 2030			1,657,330
	Voya Retirement Insurance and Annuity Company	BlackRock LifePath Index 2060			608,585
	Voya Retirement Insurance and Annuity Company	BlackRock LifePath Index Return Fund			648,521
	Voya Retirement Insurance and Annuity Company	BlackRock LifePath Index 2050			610,287
	Voya Retirement Insurance and Annuity Company	BlackRock LifePath Index 2055			226,324
	Voya Retirement Insurance and Annuity Company	American Funds Cap Income Bld			441,621
	Voya Retirement Insurance and Annuity Company	DFA US Targeted VI Port Ins			224,605
	Voya Retirement Insurance and Annuity Company	BlackRock LifePath Index 2045			178,518
	Voya Retirement Insurance and Annuity Company	BlackRock LifePath Index 2040			1,487,114
	Voya Retirement Insurance and Annuity Company	BlackRock LifePath Index 2035			1,256,029


*	Voya Retirement Insurance and Annuity Company	Voya Large Cap Growth Fund	2,438,273
*	Voya Retirement Insurance and Annuity Company	Voya Mid Cap Growth Fund	357,386
*	Voya Retirement Insurance and Annuity Company	Voya Mid Cap Value Fund	166,707
	Voya Retirement Insurance and Annuity Company	Fidelity Total International Index Fund	1,006,838
*	Voya Retirement Insurance and Annuity Company	Voya Large Cap Value Fund	1,614,631
*	Voya Retirement Insurance and Annuity Company	Voya Small Cap Growth Fund	28,203
	Voya Retirement Insurance and Annuity Company	Blackrock Life Path Index 2065	137,917
	Voya Retirement Insurance and Annuity Company	Blackrock Life Path Index 2070	20,694
*	Voya Retirement Insurance and Annuity Company	Voya Core Bond Fund	910,266
	Voya Retirement Insurance and Annuity Company	Fidelity 500 Index Fund	2,682,945
	Voya Retirement Insurance and Annuity Company	Fidelity Small Cap Index Fund	152,681
	Voya Retirement Insurance and Annuity Company	Fidelity Real Estate Index Fund	57,970
	Voya Retirement Insurance and Annuity Company	Fidelity Mid Cap Index Fund	173,997


	Voya Retirement Insurance and Annuity Company	Pimco Commodity Rl Rtn		113,335
	Voya Retirement Insurance and Annuity Company	Vanguard Balanced Index Fnd Adm		1,910,370
*	Voya Retirement Insurance and Annuity Company	Voya Gov Money Market		329
*	Voya Retirement Insurance and Annuity Company	Voya Fixed Account		834,148
*	Participant Loans	Participant loans 3.25% to 8.50%		359,842

		Total	$	21,848,048


Exhibit Number		Description

23.1		Consent of BDO USA, P.C.

23.2		Consent of Wolf & Company, P.C.


	BCB COMMUNITY BANK 401(K) PLAN

Date: June 29, 2026	By:	/s/ Karen M. Duran
		Name: Karen M. Duran
		Title: Chief Accounting Officer
		BCB Community Bank