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      <link:roleType id="SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESDetails" roleURI="http://bluefoundrybancorp.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="SECURITIESSummaryofamortizedcostofsecuritiesheldtomaturityandtheirestimatedfairvalueDetails" roleURI="http://bluefoundrybancorp.com/role/SECURITIESSummaryofamortizedcostofsecuritiesheldtomaturityandtheirestimatedfairvalueDetails">
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="SECURITIESNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/SECURITIESNarrativeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="SECURITIESSummaryofamortizedcostandfairvalueofdebtsecuritiesshownbycontractualmaturityDetails" roleURI="http://bluefoundrybancorp.com/role/SECURITIESSummaryofamortizedcostandfairvalueofdebtsecuritiesshownbycontractualmaturityDetails">
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="SECURITIESSummaryofcreditprofileofdebtsecuritiesheldtomaturityDetailsDetails" roleURI="http://bluefoundrybancorp.com/role/SECURITIESSummaryofcreditprofileofdebtsecuritiesheldtomaturityDetailsDetails">
        <link:definition>9955536 - Disclosure - SECURITIES - Summary of credit profile of debt securities held-to-maturity (Details) (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="SECURITIESSummaryofavailableforsalesecuritieswithunrealizedlossesDetails" roleURI="http://bluefoundrybancorp.com/role/SECURITIESSummaryofavailableforsalesecuritieswithunrealizedlossesDetails">
        <link:definition>9955537 - Disclosure - SECURITIES - Summary of available for sale securities with unrealized losses (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="SECURITIESSummaryofheldformaturitysecuritieswithunrealizedlossesDetails" roleURI="http://bluefoundrybancorp.com/role/SECURITIESSummaryofheldformaturitysecuritieswithunrealizedlossesDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSRECEIVABLENETSummaryofloansreceivableDetails" roleURI="http://bluefoundrybancorp.com/role/LOANSRECEIVABLENETSummaryofloansreceivableDetails">
        <link:definition>9955539 - Disclosure - LOANS RECEIVABLE, NET - Summary of loans receivable (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSRECEIVABLENETNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/LOANSRECEIVABLENETNarrativeDetails">
        <link:definition>9955540 - Disclosure - LOANS RECEIVABLE, NET - Narrative (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSRECEIVABLENETSummaryofcreditqualityindicatorsDetails" roleURI="http://bluefoundrybancorp.com/role/LOANSRECEIVABLENETSummaryofcreditqualityindicatorsDetails">
        <link:definition>9955541 - Disclosure - LOANS RECEIVABLE, NET - Summary of credit quality indicators (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSRECEIVABLENETAginganalysisDetails" roleURI="http://bluefoundrybancorp.com/role/LOANSRECEIVABLENETAginganalysisDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSRECEIVABLENETSummaryofpastdueloansinnonaccrualandpast90daysstillonaccrualDetails" roleURI="http://bluefoundrybancorp.com/role/LOANSRECEIVABLENETSummaryofpastdueloansinnonaccrualandpast90daysstillonaccrualDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSRECEIVABLENETScheduleofloanmodificationsDetails" roleURI="http://bluefoundrybancorp.com/role/LOANSRECEIVABLENETScheduleofloanmodificationsDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      </link:roleType>
      <link:roleType id="LOANSRECEIVABLENETScheduleofloanmodificationsmadebypaymentstatusDetails" roleURI="http://bluefoundrybancorp.com/role/LOANSRECEIVABLENETScheduleofloanmodificationsmadebypaymentstatusDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="ALLOWANCEFORCREDITLOSSESAllowanceforcreditlossesrollforwardDetails" roleURI="http://bluefoundrybancorp.com/role/ALLOWANCEFORCREDITLOSSESAllowanceforcreditlossesrollforwardDetails">
        <link:definition>9955546 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Allowance for credit losses rollforward (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="ALLOWANCEFORCREDITLOSSESSummaryofallowanceforcreditlostbyportfoliosegmentDetails" roleURI="http://bluefoundrybancorp.com/role/ALLOWANCEFORCREDITLOSSESSummaryofallowanceforcreditlostbyportfoliosegmentDetails">
        <link:definition>9955547 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Summary of allowance for credit lost by portfolio segment (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="ALLOWANCEFORCREDITLOSSESNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/ALLOWANCEFORCREDITLOSSESNarrativeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="ALLOWANCEFORCREDITLOSSESSummaryofloansbyportfoliosegmentevaluatedforimpairmentDetails" roleURI="http://bluefoundrybancorp.com/role/ALLOWANCEFORCREDITLOSSESSummaryofloansbyportfoliosegmentevaluatedforimpairmentDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PREMISESANDEQUIPMENTDetails" roleURI="http://bluefoundrybancorp.com/role/PREMISESANDEQUIPMENTDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      </link:roleType>
      <link:roleType id="LEASESNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/LEASESNarrativeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="LEASESLeaseliabilitiesandROUassetsDetails" roleURI="http://bluefoundrybancorp.com/role/LEASESLeaseliabilitiesandROUassetsDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      </link:roleType>
      <link:roleType id="LEASESSummaryofcomponentsofnetleasecostDetails" roleURI="http://bluefoundrybancorp.com/role/LEASESSummaryofcomponentsofnetleasecostDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="LEASESScheduleofsupplementalcashflowinformationonleasesDetails" roleURI="http://bluefoundrybancorp.com/role/LEASESScheduleofsupplementalcashflowinformationonleasesDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LEASESScheduleoffutureundiscountedleasepaymentsDetails" roleURI="http://bluefoundrybancorp.com/role/LEASESScheduleoffutureundiscountedleasepaymentsDetails">
        <link:definition>9955555 - Disclosure - LEASES - Schedule of future undiscounted lease payments (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LEASESScheduleoffutureundiscountedleasepaymentsDetails_1" roleURI="http://bluefoundrybancorp.com/role/LEASESScheduleoffutureundiscountedleasepaymentsDetails_1">
        <link:definition>9955555 - Disclosure - LEASES - Schedule of future undiscounted lease payments (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSSummaryofdepositsDetails" roleURI="http://bluefoundrybancorp.com/role/DEPOSITSSummaryofdepositsDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      </link:roleType>
      <link:roleType id="DEPOSITSNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/DEPOSITSNarrativeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSScheduleoftimeddepositmaturitiesDetails" roleURI="http://bluefoundrybancorp.com/role/DEPOSITSScheduleoftimeddepositmaturitiesDetails">
        <link:definition>9955558 - Disclosure - DEPOSITS - Schedule of timed deposit maturities (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="DEPOSITSScheduleofinterestexpenseondepositsDetails" roleURI="http://bluefoundrybancorp.com/role/DEPOSITSScheduleofinterestexpenseondepositsDetails">
        <link:definition>9955559 - Disclosure - DEPOSITS - Schedule of interest expense on deposits (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BORROWINGSNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/BORROWINGSNarrativeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BORROWINGSMaturityscheduleDetails" roleURI="http://bluefoundrybancorp.com/role/BORROWINGSMaturityscheduleDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BENEFITPLANSNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/BENEFITPLANSNarrativeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      </link:roleType>
      <link:roleType id="BENEFITPLANSScheduleofchangesinprojectedbenefitobligationsfairvalueofplanassetsandfundedstatusDetails" roleURI="http://bluefoundrybancorp.com/role/BENEFITPLANSScheduleofchangesinprojectedbenefitobligationsfairvalueofplanassetsandfundedstatusDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BENEFITPLANSScheduleofamountrecognizedinaccumulatedothercomprehensiveincomeDetails" roleURI="http://bluefoundrybancorp.com/role/BENEFITPLANSScheduleofamountrecognizedinaccumulatedothercomprehensiveincomeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BENEFITPLANSScheduleofplanassumptionsDetails" roleURI="http://bluefoundrybancorp.com/role/BENEFITPLANSScheduleofplanassumptionsDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      </link:roleType>
      <link:roleType id="BENEFITPLANSScheduleofnetperiodicbenefitcostandotheramountsrecognizedinOCIDetails" roleURI="http://bluefoundrybancorp.com/role/BENEFITPLANSScheduleofnetperiodicbenefitcostandotheramountsrecognizedinOCIDetails">
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        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BENEFITPLANSScheduleofexpectedbenefitpaymentsDetails" roleURI="http://bluefoundrybancorp.com/role/BENEFITPLANSScheduleofexpectedbenefitpaymentsDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="STOCKBASEDCOMPENSATIONNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/STOCKBASEDCOMPENSATIONNarrativeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="STOCKBASEDCOMPENSATIONScheduleofsharesheldbyESOPDetails" roleURI="http://bluefoundrybancorp.com/role/STOCKBASEDCOMPENSATIONScheduleofsharesheldbyESOPDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKBASEDCOMPENSATIONScheduleofrestrictedsharesactivityDetails" roleURI="http://bluefoundrybancorp.com/role/STOCKBASEDCOMPENSATIONScheduleofrestrictedsharesactivityDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKBASEDCOMPENSATIONScheduleofstockoptionactivityDetails" roleURI="http://bluefoundrybancorp.com/role/STOCKBASEDCOMPENSATIONScheduleofstockoptionactivityDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="STOCKBASEDCOMPENSATIONScheduleofsharebasedcompensationexpenseDetails" roleURI="http://bluefoundrybancorp.com/role/STOCKBASEDCOMPENSATIONScheduleofsharebasedcompensationexpenseDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INCOMETAXESNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/INCOMETAXESNarrativeDetails">
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      <link:roleType id="INCOMETAXESScheduleofeffectiveincometaxratereconciliationcurrentyearDetails" roleURI="http://bluefoundrybancorp.com/role/INCOMETAXESScheduleofeffectiveincometaxratereconciliationcurrentyearDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INCOMETAXESScheduleofeffectiveincometaxratereconciliationprioryearDetails" roleURI="http://bluefoundrybancorp.com/role/INCOMETAXESScheduleofeffectiveincometaxratereconciliationprioryearDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="INCOMETAXESScheduleofdeferredtaxassetsandliabilitiesDetails" roleURI="http://bluefoundrybancorp.com/role/INCOMETAXESScheduleofdeferredtaxassetsandliabilitiesDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="DERIVATIVESNarrativeDetails" roleURI="http://bluefoundrybancorp.com/role/DERIVATIVESNarrativeDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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