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October 1, 2011 - BCSB Bancorp, Inc. (NASDAQ: BCSB), the holding company for Baltimore County Savings Bank announced the approval of their application to the Office of the Commissioner of the Financial Regulation of the State of Maryland, to convert its charter from a federally-charted stock savings bank to a Maryland-chartered commercial bank. The charter conversion allows the bank and its holding company to be regulated by one federal regulator, the Federal Reserve. The change does not impact the bank’s FDIC rules of coverage, and the deposit accounts of customers will continue to be insured by the FDIC up to the applicable $250,000 legal limit.

Why did BCSB change its charter?
Converting to a Maryland-chartered commercial bank will allow BCSB to best position itself in the market, remain competitive and further execute the overall business strategy for the bank.

How will this effect BCSB customers?
To customers, the charter change will be transparent. The charter change will not have any significant financial or regulatory impact or affect BCSB’s current activities and business with customers.

What is a charter?
A bank charter is a document incorporating an institution and specifying its rights. A bank may change its articles of incorporation and certificate of incorporation at any time, including changing its certificate from a bank to a trust, savings bank to a commercial bank, or any other form of banking institution.

Company Overview

BCSB Bancorp, Inc, (the “Company”) serves as the holding company for its wholly owned subsidiary, Baltimore County Savings Bank (the “Bank”). The common stock of the Company is traded under the trading symbol “BCSB” on the NASDAQ National Market System. The Company has no significant activities other than its investment in the Bank. The Company is primarily engaged in the business of directing, planning and coordinating the business activities of the Bank.

The Bank is a Maryland-chartered commercial bank operating through 17 banking offices serving the Baltimore Metro area. The Bank's principal business consists of attracting deposits from the general public and investing these funds in loans secured by first mortgages, real estate loans, construction loans, commercial real estate loans, and consumer loans, within the Bank's market area. The Bank derives its income principally from interest earned on loans and, to a lesser extent, interest earned on mortgage-backed securities and investment securities. Funds for these activities are provided principally by operating revenues, deposits and repayments of outstanding loans and investment securities and mortgage-backed securities.