<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created by Certent Disclosure Management 25.4.0.1 -->
<!--Based on XBRL 2.1-->
<!--Created on: 8/10/2026 1:49:59 PM-->
<!--Modified on: 8/10/2026 1:49:59 PM-->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://www.bcbcommunitybank.com/20260630" elementFormDefault="qualified" attributeFormDefault="unqualified" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:bcbp="http://www.bcbcommunitybank.com/20260630" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:us-types="http://fasb.org/us-types/2025">
  <annotation>
    <appinfo><link:roleType roleURI="http://www.bcbcommunitybank.com/role/StatementConsolidatedStatementsOfFinancialCondition" id="StatementConsolidatedStatementsOfFinancialCondition"><link:definition>00100 - Statement - Consolidated Statements of Financial Condition</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/StatementConsolidatedStatementsOfOperations" id="StatementConsolidatedStatementsOfOperations"><link:definition>00200 - Statement - Consolidated Statements of Operations</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/StatementConsolidatedStatementsOfComprehensiveIncomeLoss" id="StatementConsolidatedStatementsOfComprehensiveIncomeLoss"><link:definition>00300 - Statement - Consolidated Statements of Comprehensive Income (Loss)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/StatementConsolidatedStatementsOfCashFlows" id="StatementConsolidatedStatementsOfCashFlows"><link:definition>00500 - Statement - Consolidated Statements of Cash Flows</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureNetLossIncomePerCommonShareScheduleOfEarningsPerShareBasicAndDilutedDetails" id="DisclosureNetLossIncomePerCommonShareScheduleOfEarningsPerShareBasicAndDilutedDetails"><link:definition>40502 - Disclosure - Net (Loss) Income per Common Share (Schedule of Earnings Per Share, Basic and Diluted) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureDebtSecuritiesAvailableForSaleAmortizedCostAndGrossUnrealizedGainsAndLossesOnSecuritiesAvailableForSaleDetailsAlternative" id="DisclosureDebtSecuritiesAvailableForSaleAmortizedCostAndGrossUnrealizedGainsAndLossesOnSecuritiesAvailableForSaleDetailsAlternative"><link:definition>40602 - Disclosure - Debt Securities Available for Sale (Amortized Cost and Gross Unrealized Gains and Losses on Securities Available for Sale) (Details) Alternative</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSecuritiesSummaryOfDisaggregatedNetIncomeLossOnEquitySecuritiesDetails" id="DisclosureSecuritiesSummaryOfDisaggregatedNetIncomeLossOnEquitySecuritiesDetails"><link:definition>40602 - Disclosure - Securities (Summary of Disaggregated Net Income (loss) on Equity Securities) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSecuritiesAmortizedCostAndGrossUnrealizedGainsAndLossesOnSecuritiesAvailableForSaleDetails" id="DisclosureSecuritiesAmortizedCostAndGrossUnrealizedGainsAndLossesOnSecuritiesAvailableForSaleDetails"><link:definition>40603 - Disclosure - Securities (Amortized Cost and Gross Unrealized Gains and Losses on Securities Available for Sale) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSecuritiesAvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueDetails" id="DisclosureSecuritiesAvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueDetails"><link:definition>40604 - Disclosure - Securities (Available for Sale Securities, Continuous Unrealized Loss Position, Fair Value) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesRecordedInvestmentInLoansReceivableDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesRecordedInvestmentInLoansReceivableDetails"><link:definition>40702 - Disclosure - Loans Receivable and Allowance for Credit Losses (Recorded Investment in Loans Receivable) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesLoanPortfolioByPassRatingDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesLoanPortfolioByPassRatingDetails"><link:definition>40710 - Disclosure - Loans Receivable and Allowance for Credit Losses (Loan Portfolio by Pass Rating) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureFairValuesOfFinancialInstrumentsFairValueMeasurementsRecurringDetails" id="DisclosureFairValuesOfFinancialInstrumentsFairValueMeasurementsRecurringDetails"><link:definition>41102 - Disclosure - Fair Values of Financial Instruments (Fair Value Measurements, Recurring) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLeaseObligationsSummaryOfMaturityOfLeaseObligationsForOperatingLeasesAlternateDetails" id="DisclosureLeaseObligationsSummaryOfMaturityOfLeaseObligationsForOperatingLeasesAlternateDetails"><link:definition>41303 - Disclosure - Lease Obligations (Summary of Maturity of Lease Obligations for Operating Leases Alternate) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLeaseObligationsSummaryOfMaturityOfLeaseObligationsForOperatingLeasesDetails" id="DisclosureLeaseObligationsSummaryOfMaturityOfLeaseObligationsForOperatingLeasesDetails"><link:definition>41303 - Disclosure - Lease Obligations (Summary of Maturity of Lease Obligations for Operating Leases) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DocumentDocumentAndEntityInformation" id="DocumentDocumentAndEntityInformation"><link:definition>00090 - Document - Document and Entity Information</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/StatementConsolidatedStatementsOfFinancialConditionParenthetical" id="StatementConsolidatedStatementsOfFinancialConditionParenthetical"><link:definition>00105 - Statement - Consolidated Statements of Financial Condition (Parenthetical)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/StatementConsolidatedStatementsOfChangesInStockholdersEquity" id="StatementConsolidatedStatementsOfChangesInStockholdersEquity"><link:definition>00400 - Statement - Consolidated Statements of Changes in Stockholders&apos; Equity</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/StatementConsolidatedStatementsOfChangesInStockholdersEquityParenthetical" id="StatementConsolidatedStatementsOfChangesInStockholdersEquityParenthetical"><link:definition>00405 - Statement - Consolidated Statements of Changes in Stockholders&apos; Equity (Parenthetical)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureBasisOfPresentation" id="DisclosureBasisOfPresentation"><link:definition>10101 - Disclosure - Basis of Presentation</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureRecentAccountingPronouncements" id="DisclosureRecentAccountingPronouncements"><link:definition>10201 - Disclosure - Recent Accounting Pronouncements</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureReclassification" id="DisclosureReclassification"><link:definition>10301 - Disclosure - Reclassification</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureEquityCompensationArrangements" id="DisclosureEquityCompensationArrangements"><link:definition>10401 - Disclosure - Equity Compensation Arrangements</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureNetLossIncomePerCommonShare" id="DisclosureNetLossIncomePerCommonShare"><link:definition>10501 - Disclosure - Net (Loss) Income per Common Share</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSecurities" id="DisclosureSecurities"><link:definition>10601 - Disclosure - Securities</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLosses" id="DisclosureLoansReceivableAndAllowanceForCreditLosses"><link:definition>10701 - Disclosure - Loans Receivable and Allowance for Credit Losses</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureStockholdersEquity" id="DisclosureStockholdersEquity"><link:definition>10801 - Disclosure - Stockholders&apos; Equity</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureBankOwnedLifeInsurance" id="DisclosureBankOwnedLifeInsurance"><link:definition>10901 - Disclosure - Bank-Owned Life Insurance</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureGoodwillAndOtherIntangibleAssets" id="DisclosureGoodwillAndOtherIntangibleAssets"><link:definition>11001 - Disclosure - Goodwill and Other Intangible Assets</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureFairValuesOfFinancialInstruments" id="DisclosureFairValuesOfFinancialInstruments"><link:definition>11101 - Disclosure - Fair Values of Financial Instruments</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSubordinatedDebt" id="DisclosureSubordinatedDebt"><link:definition>11201 - Disclosure - Subordinated Debt</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLeaseObligations" id="DisclosureLeaseObligations"><link:definition>11301 - Disclosure - Lease Obligations</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSubsequentEvents" id="DisclosureSubsequentEvents"><link:definition>11401 - Disclosure - Subsequent Events</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureEquityCompensationArrangementsTables" id="DisclosureEquityCompensationArrangementsTables"><link:definition>30403 - Disclosure - Equity Compensation Arrangements (Tables)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureNetLossIncomePerCommonShareTables" id="DisclosureNetLossIncomePerCommonShareTables"><link:definition>30503 - Disclosure - Net (Loss) Income per Common Share (Tables)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSecuritiesTables" id="DisclosureSecuritiesTables"><link:definition>30603 - Disclosure - Securities (Tables)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesTables" id="DisclosureLoansReceivableAndAllowanceForCreditLossesTables"><link:definition>30703 - Disclosure - Loans Receivable and Allowance for Credit Losses (Tables)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureFairValuesOfFinancialInstrumentsTables" id="DisclosureFairValuesOfFinancialInstrumentsTables"><link:definition>31103 - Disclosure - Fair Values of Financial Instruments (Tables)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLeaseObligationsTables" id="DisclosureLeaseObligationsTables"><link:definition>31303 - Disclosure - Lease Obligations (Tables)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureBasisOfPresentationNarrativeDetails" id="DisclosureBasisOfPresentationNarrativeDetails"><link:definition>40101 - Disclosure - Basis of Presentation (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureEquityCompensationArrangementsNarrativeDetails" id="DisclosureEquityCompensationArrangementsNarrativeDetails"><link:definition>40401 - Disclosure - Equity Compensation Arrangements (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureEquityCompensationArrangementsSummaryOfStatusOfRestrictedSharesDetails" id="DisclosureEquityCompensationArrangementsSummaryOfStatusOfRestrictedSharesDetails"><link:definition>40408 - Disclosure - Equity Compensation Arrangements (Summary of Status of Restricted Shares) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureEquityCompensationArrangementsSummaryOfOutstandingStockOptionsDetails" id="DisclosureEquityCompensationArrangementsSummaryOfOutstandingStockOptionsDetails"><link:definition>40409 - Disclosure - Equity Compensation Arrangements (Summary of Outstanding Stock Options) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureNetLossIncomePerCommonShareNarrativeDetails" id="DisclosureNetLossIncomePerCommonShareNarrativeDetails"><link:definition>40501 - Disclosure - Net (Loss) Income per Common Share (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSecuritiesNarrativeDetails" id="DisclosureSecuritiesNarrativeDetails"><link:definition>40601 - Disclosure - Securities (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesNarrativeDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesNarrativeDetails"><link:definition>40701 - Disclosure - Loans Receivable and Allowance for Credit Losses (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesAllowanceForCreditLossesOnLoansDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesAllowanceForCreditLossesOnLoansDetails"><link:definition>40704 - Disclosure - Loans Receivable and Allowance for Credit Losses (Allowance for Credit Losses on loans) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesAllowanceForCreditLossesOnOffBalanceSheetExposuresDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesAllowanceForCreditLossesOnOffBalanceSheetExposuresDetails"><link:definition>40705 - Disclosure - Loans Receivable and Allowance for Credit Losses (Allowance for Credit Losses on Off-Balance Sheet Exposures) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesDelinquencyStatusOfTotalLoansDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesDelinquencyStatusOfTotalLoansDetails"><link:definition>40706 - Disclosure - Loans Receivable and Allowance for Credit Losses (Delinquency Status of Total Loans) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesAmortizedCostBasisOfLoansModifiedDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesAmortizedCostBasisOfLoansModifiedDetails"><link:definition>40707 - Disclosure - Loans Receivable and Allowance for Credit Losses (Amortized Cost Basis Of Loans Modified) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesLoansModificationsDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesLoansModificationsDetails"><link:definition>40708 - Disclosure - Loans Receivable and Allowance for Credit Losses (Loans Modifications) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLoansReceivableAndAllowanceForCreditLossesNonAccruingLoansDetails" id="DisclosureLoansReceivableAndAllowanceForCreditLossesNonAccruingLoansDetails"><link:definition>40709 - Disclosure - Loans Receivable and Allowance for Credit Losses (Non-Accruing Loans) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureStockholdersEquityNarrativeDetails" id="DisclosureStockholdersEquityNarrativeDetails"><link:definition>40801 - Disclosure - Stockholders&apos; Equity (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureBankOwnedLifeInsuranceNarrativeDetails" id="DisclosureBankOwnedLifeInsuranceNarrativeDetails"><link:definition>40901 - Disclosure - Bank-Owned Life Insurance (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureGoodwillAndOtherIntangibleAssetsNarrativeDetails" id="DisclosureGoodwillAndOtherIntangibleAssetsNarrativeDetails"><link:definition>41001 - Disclosure - Goodwill and Other Intangible Assets (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureFairValuesOfFinancialInstrumentsNarrativeDetails" id="DisclosureFairValuesOfFinancialInstrumentsNarrativeDetails"><link:definition>41101 - Disclosure - Fair Values of Financial Instruments (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureFairValuesOfFinancialInstrumentsFairValueMeasurementsNonrecurringDetails" id="DisclosureFairValuesOfFinancialInstrumentsFairValueMeasurementsNonrecurringDetails"><link:definition>41103 - Disclosure - Fair Values of Financial Instruments (Fair Value Measurements, Nonrecurring) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureFairValuesOfFinancialInstrumentsQuantitativeInformationAboutLevel3FairValueMeasurementsDetails" id="DisclosureFairValuesOfFinancialInstrumentsQuantitativeInformationAboutLevel3FairValueMeasurementsDetails"><link:definition>41104 - Disclosure - Fair Values of Financial Instruments (Quantitative Information About Level 3 Fair Value Measurements) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureFairValuesOfFinancialInstrumentsCarryingValuesAndEstimatedFairValuesOfFinancialInstrumentsDetails" id="DisclosureFairValuesOfFinancialInstrumentsCarryingValuesAndEstimatedFairValuesOfFinancialInstrumentsDetails"><link:definition>41105 - Disclosure - Fair Values of Financial Instruments (Carrying Values and Estimated Fair Values of Financial Instruments) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSubordinatedDebtNarrativeDetails" id="DisclosureSubordinatedDebtNarrativeDetails"><link:definition>41201 - Disclosure - Subordinated Debt (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLeaseObligationsNarrativeDetails" id="DisclosureLeaseObligationsNarrativeDetails"><link:definition>41301 - Disclosure - Lease Obligations (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureLeaseObligationsScheduleOfLeaseInformationDetails" id="DisclosureLeaseObligationsScheduleOfLeaseInformationDetails"><link:definition>41302 - Disclosure - Lease Obligations (Schedule of Lease Information) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureSubsequentEventsNarrativeDetails" id="DisclosureSubsequentEventsNarrativeDetails"><link:definition>41401 - Disclosure - Subsequent Events (Narrative) (Details)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureBasisOfPresentationPolicy" id="DisclosureBasisOfPresentationPolicy"><link:definition>20101 - Disclosure - Basis of Presentation (Policy)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:roleType roleURI="http://www.bcbcommunitybank.com/role/DisclosureRecentAccountingPronouncementsPolicy" id="DisclosureRecentAccountingPronouncementsPolicy"><link:definition>20201 - Disclosure - Recent Accounting Pronouncements (Policy)</link:definition><link:usedOn>link:presentationLink</link:usedOn><link:usedOn>link:calculationLink</link:usedOn><link:usedOn>link:definitionLink</link:usedOn></link:roleType><link:linkbaseRef xlink:type="simple" xlink:href="bcbp-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links, all"></link:linkbaseRef><link:linkbaseRef xlink:type="simple" xlink:href="bcbp-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links, all"></link:linkbaseRef><link:linkbaseRef xlink:type="simple" xlink:href="bcbp-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links, all"></link:linkbaseRef><link:linkbaseRef xlink:type="simple" xlink:href="bcbp-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links, all"></link:linkbaseRef></appinfo></annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"></import>
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"></import>
  <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"></import>
  <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"></import>
  <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"></import>
  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd"></import>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"></import>
  <import namespace="http://fasb.org/us-roles/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd"></import>
  <import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd"></import>
  <import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd"></import>
  <import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd"></import>
  <element id="bcbp_AmortizationAndAccretionNet" name="AmortizationAndAccretionNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="bcbp_ImpairedLoansMember" name="ImpairedLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_OtherRealEstateOwnedMember" name="OtherRealEstateOwnedMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_OriginatedLoansMember" name="OriginatedLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_InterestBearingTimeDepositsFairValue" name="InterestBearingTimeDepositsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="bcbp_InterestReceivableFairValue" name="InterestReceivableFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="bcbp_InterestPayableFairValue" name="InterestPayableFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit"></element>
  <element id="bcbp_TrustPreferredJuniorSubordinatedDebentureMember" name="TrustPreferredJuniorSubordinatedDebentureMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_ReclassificationAbstract" name="ReclassificationAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration"></element>
  <element id="bcbp_AvailableForSaleSecuritiesDebtMaturitiesYearSixThroughTenGrossUnrealizedGains" name="AvailableForSaleSecuritiesDebtMaturitiesYearSixThroughTenGrossUnrealizedGains" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit"></element>
  <element id="bcbp_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsGrossUnrealizedGains" name="AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsGrossUnrealizedGains" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit"></element>
  <element id="bcbp_AvailableForSaleSecuritiesDebtMaturitiesYearSixThroughTenGrossUnrealizedLosses" name="AvailableForSaleSecuritiesDebtMaturitiesYearSixThroughTenGrossUnrealizedLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="bcbp_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsGrossUnrealizedLosses" name="AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsGrossUnrealizedLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="bcbp_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlanOptionsGrantedExercisePriceRange" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlanOptionsGrantedExercisePriceRange" nillable="true" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlanOptionsExercisedExercisePriceRange" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlanOptionsExercisedExercisePriceRange" nillable="true" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlanOptionsForfeitedExercisePriceRange" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlanOptionsForfeitedExercisePriceRange" nillable="true" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlanOptionsExpiredExercisePriceRange" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlanOptionsExpiredExercisePriceRange" nillable="true" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" name="TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="bcbp_TransfersBetweenFairValueHierarchiesAssetsLiabilities" name="TransfersBetweenFairValueHierarchiesAssetsLiabilities" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="bcbp_StockPlan2011Member" name="StockPlan2011Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_OtherRealEstateOwnedNumberOfProperties" name="OtherRealEstateOwnedNumberOfProperties" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant"></element>
  <element id="bcbp_NumberOfLocations" name="NumberOfLocations" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_AvailableForSaleSecuritiesDebtMaturitiesYearTwoThroughYearFiveGrossUnrealizedGains" name="AvailableForSaleSecuritiesDebtMaturitiesYearTwoThroughYearFiveGrossUnrealizedGains" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit"></element>
  <element id="bcbp_AvailableForSaleSecuritiesDebtMaturitiesYearTwoThroughYearFiveGrossUnrealizedLosses" name="AvailableForSaleSecuritiesDebtMaturitiesYearTwoThroughYearFiveGrossUnrealizedLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="bcbp_EquityIncentivePlan2018Member" name="EquityIncentivePlan2018Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_FixedToFloatingRateSubordinatedDebenturesMember" name="FixedToFloatingRateSubordinatedDebenturesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_LoansReceivableMeasurementInput" name="LoansReceivableMeasurementInput" nillable="true" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant"></element>
  <element id="bcbp_LesseeOperatingLeasesNumber" name="LesseeOperatingLeasesNumber" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_RegulatoryAssessments" name="RegulatoryAssessments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="bcbp_StockholdersEquityNoteTable" name="StockholdersEquityNoteTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration"></element>
  <element id="bcbp_StockholdersEquityNoteLineItems" name="StockholdersEquityNoteLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration"></element>
  <element id="bcbp_LesseeOperatingLeaseLiabilityPaymentsYearOneToYearThree" name="LesseeOperatingLeaseLiabilityPaymentsYearOneToYearThree" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit"></element>
  <element id="bcbp_LesseeOperatingLeaseLiabilityPaymentsYearThreeToYearFive" name="LesseeOperatingLeaseLiabilityPaymentsYearThreeToYearFive" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit"></element>
  <element id="bcbp_BankOwnedLifeInsuranceAbstract" name="BankOwnedLifeInsuranceAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration"></element>
  <element id="bcbp_OtherRealEstateOwnedNet" name="OtherRealEstateOwnedNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="bcbp_SeriesIPreferredStockMember" name="SeriesIPreferredStockMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_AllowanceForCreditLossesOnOffBalanceSheetExposuresTableTextBlock" name="AllowanceForCreditLossesOnOffBalanceSheetExposuresTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_IndividuallyEvaluatedLoansMember" name="IndividuallyEvaluatedLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_EquityIncentivePlan2023Member" name="EquityIncentivePlan2023Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_DebtInstrumentInterestRateTerm" name="DebtInstrumentInterestRateTerm" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_SeriesJPreferredStockMember" name="SeriesJPreferredStockMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_FinancingReceivableNonAccrualWithAllowance" name="FinancingReceivableNonAccrualWithAllowance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="bcbp_BusinessExpressMember" name="BusinessExpressMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_FinancingReceivableModificationsNumber" name="FinancingReceivableModificationsNumber" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_LoansAndLeasesReceivableLoansReturnedToAccrualInterestIncome" name="LoansAndLeasesReceivableLoansReturnedToAccrualInterestIncome" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="bcbp_ProceedsFromSaleOfPortfolioLoans" name="ProceedsFromSaleOfPortfolioLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="bcbp_SeriesKPreferredStockMember" name="SeriesKPreferredStockMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_CannabisRelatedMember" name="CannabisRelatedMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_SubsequentDefaultNumber" name="SubsequentDefaultNumber" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_EffectiveDate" name="EffectiveDate" nillable="true" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_LoansHeldForSaleAtFairvalue" name="LoansHeldForSaleAtFairvalue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="bcbp_NumberOfLoan" name="NumberOfLoan" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="bcbp_InducementAwardPlanMember" name="InducementAwardPlanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element></schema>
