Form 8-K

8-K — PROVIDENT FINANCIAL HOLDINGS INC

Accession: 0000939057-26-000092

Filed: 2026-04-28

Period: 2026-04-28

CIK: 0001010470

SIC: 6035 (SAVINGS INSTITUTION, FEDERALLY CHARTERED)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — prov8k42826.htm (Primary)

EX-99.1 (prov8k42826exh991.htm)

EX-99.2 (prov8k42826exh992.htm)

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8-K

8-K (Primary)

Filename: prov8k42826.htm · Sequence: 1

false000101047000010104702026-04-282026-04-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 28, 2026

Provident Financial Holdings Inc

(Exact name of registrant as specified in its charter)

Delaware

000-28304

33-0704889

(State or other jurisdiction

(Commission

(I.R.S. Employer

of incorporation)

File Number)

Identification No.)

3756 Central Avenue, Riverside, California

92506

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area

code: (951) 686-6060

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the

registrant under any of the following provisions.

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $.01 per share

PROV

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the

Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if

the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]

Item 2.02 Results of Operations and Financial Condition

On April 28, 2026, Provident Financial Holdings, Inc. (“Corporation”), the holding company for Provident Savings Bank, F.S.B., distributed its financial results for the quarter ended March

31, 2026. A copy of the news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01 Regulation FD Disclosure.

On April 28, 2026, the Corporation posted its Investor Presentation for the quarter ended March 31, 2026 on the

Corporation’s website, www.myprovident.com, under Presentations in the Investor Relations section. A copy of the Investor Presentation is attached hereto as Exhibit

99.2 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d)

Exhibits

99.1

News release of

the Corporation’s financial results for the quarter ended March 31, 2026.

99.2

Investor

Presentation of Provident Financial Holdings, Inc. for the quarter ended March 31, 2026.

104

Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to

be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 28, 2026

PROVIDENT FINANCIAL HOLDINGS, INC.

/s/ Peter C. Fan

Peter C. Fan

Senior Vice President and Chief Financial Officer

(Principal Financial and Accounting Officer)

EX-99.1

Filename: prov8k42826exh991.htm · Sequence: 2

Exhibit 99.1

3756 Central Avenue

NEWS RELEASE

Riverside, CA 92506

(951) 686-6060

PROVIDENT FINANCIAL HOLDINGS REPORTS

THIRD QUARTER OF FISCAL 2026 RESULTS

Net Income of $1.35 million in the March 2026 Quarter, Down 6% from the Sequential Quarter and

Down 27% from the Comparable Quarter Last Year

Net Interest Margin of 3.13% in the March 2026 Quarter, Up 10 Basis Points from the Sequential

Quarter and Up 11 Basis Points from the Comparable Quarter Last Year

Loans Held for Investment of $1.03 Billion at March 31, 2026, Down 2% from $1.05 Billion at

June

30, 2025

Total Deposits of $892.9 Million at March 31, 2026, up from $888.8 million at June

30, 2025

Non-Performing Assets to Total Assets Ratio of 0.08% at March 31, 2026, Down from 0.11% at June

30, 2025

Riverside, Calif. – April 28, 2026 – Provident Financial Holdings, Inc. (“Company”), NASDAQ

GS: PROV, the holding company for Provident Savings Bank, F.S.B. (“Bank”), today announced earnings for the third quarter of the fiscal year ending June 30, 2026.

The Company reported net income of $1.35 million, or $0.21 per diluted share (on 6.45 million

average diluted shares outstanding), for the quarter ended March 31, 2026, down six percent from $1.44 million, or $0.22 per diluted share (based on 6.53 million

average diluted shares outstanding), in the second quarter of fiscal 2026, and down 27 percent from net income of $1.86 million, or $0.28 per diluted share (based on 6.73 million average diluted shares outstanding), in the comparable period a year

ago. The decrease from the sequential quarter primarily reflected a $326,000 provision for credit losses, in contrast to a $158,000 recovery of credit losses, and a

$204,000 decrease in non-interest income (mainly due to lower unrealized gains on other equity investments and loan prepayment fees), partially offset by a $310,000 decrease in non-interest expense (mainly due to a non-recurring $214,000

pre-litigation voluntary mediation settlement expense related to an employment matter, recorded in the second quarter of fiscal 2026) and a $239,000 increase in net interest income (mainly due to a $274,000 special cash dividend received from the

Federal Home Loan Bank (“FHLB”) – San Francisco). The decrease from the comparable quarter last year was due primarily to a $326,000 provision for credit losses in

contrast to a $391,000 recovery of credit losses and a $194,000 decrease in non-interest income, partly offset by a $217,000 decrease in non-interest expense.

For the nine months ended March 31, 2026, net income decreased $158,000, or three percent, to

$4.47 million from $4.63 million in the comparable period in fiscal 2025. Diluted

Page 1 of 15

earnings per share for the nine months ended March 31, 2026 was unchanged at $0.68 per share from the comparable

nine-month period last year. The decrease in net income was primarily attributable to a $287,000 increase in the provision for income taxes (of which $251,000 was attributable to the write-off of deferred tax assets related to the expiration of

non-qualified stock options) and a $208,000 decrease in non-interest income (primarily due to a decrease in the unrealized gain on other equity investments).

“During the third quarter, our net interest margin continued to expand, credit quality

remained excellent, and operating expenses were well managed. Our Board of Directors authorized a new stock repurchase program for up to five percent of the Company's outstanding shares, underscoring our strong capital position and confidence in our

long-term outlook. We continued to execute with discipline, maintaining strong underwriting standards and prudent pricing, and we remain well positioned to deliver continued value to our shareholders,” said Donavon P. Ternes, President and Chief

Executive Officer.

“We also mourn the passing of Bill Thomas, a valued member of our Board of Directors since

1997. We are grateful for Bill's many years of service, his unwavering commitment to Provident, his selfless leadership, and the wisdom he shared so generously,” concluded Ternes.

Return on average assets was 0.45 percent for the third quarter of fiscal 2026, compared to

0.47 percent in the second quarter of fiscal 2026 and 0.59 percent for the third quarter of fiscal 2025. Return on average stockholders’ equity for the third quarter of fiscal 2026 was 4.21 percent, compared to 4.44 percent for the second quarter of

fiscal 2026 and 5.71 percent for the third quarter of fiscal 2025.

In the third quarter of fiscal 2026, net interest income decreased $49,000 or one percent to

$9.16 million from $9.21 million for the same quarter last year. The slight decrease reflected the impact of a $47.5 million, or four percent, decline in average interest-earning assets to $1.17 billion, which was largely offset by an 11 basis point

expansion in the net interest margin to 3.13 percent from 3.02 percent. The margin improvement was driven by a decline in average funding costs, which fell 11 basis points to 1.80 percent from 1.91 percent, due primarily to a lower cost of

borrowings, while the average yield on interest-earning assets was unchanged at 4.73 percent in both periods.

Interest income on loans receivable decreased $663,000, or five percent, to $12.71 million in

the third quarter of fiscal 2026 from $13.37 million in the same quarter last year, primarily due to both a lower average loan yield and a lower average loan balance. The average yield on loans receivable decreased 15 basis points to 4.91 percent

from 5.06 percent in the same quarter last year, reflecting an increase in net deferred loan cost amortization to $656,000 from $239,000 in the same quarter last year, partly offset by the effect of adjustable rate loan repricing. For the last

12-month period, approximately $465.8 million of adjustable-rate loans repriced to a weighted average rate of 7.10 percent, up 17 basis points from 6.93 percent prior to repricing. Despite the lower average yield during the period, the

weighted-average rate on the loan portfolio increased five basis points to 5.20 percent at March 31, 2026 from 5.15 percent a year ago, reflecting the

Page 2 of 15

benefit of adjustable-rate loans repricing higher during the last 12-month period. The average balance of loans

receivable decreased $21.9 million, or two percent, to $1.03 billion, as loan principal payments received of $52.1 million, up 127 percent from $23.0 million in the same quarter last year, exceeded loans originated for investment of $44.2 million,

which were up 58 percent from $27.9 million in the same quarter last year.

Interest income from investment securities decreased $64,000, or 14 percent, to $395,000 in

the third quarter of fiscal 2026 from $459,000 for the same quarter of fiscal 2025. This decrease was attributable to a lower average balance, partly offset by a higher average yield. The average balance of investment securities decreased $20.0

million, or 17 percent, to $98.4 million in the third quarter of fiscal 2026, reflecting the continued runoff of the held-to-maturity portfolio. The average yield on investment securities increased six basis points to 1.61 percent in the third

quarter of fiscal 2026 from 1.55 percent for the same quarter last year, resulting from a lower premium amortization ($57,000 vs. $86,000).

In the third quarter of fiscal 2026, the Bank received $488,000 in cash dividends from the

FHLB – San Francisco stock and other equity investments, up 129 percent from $213,000 in the same quarter last year. The increase was primarily due to a $274,000 special cash dividend received from the FHLB – San Francisco, which is not expected to

recur. Excluding the special dividend, recurring dividend income was essentially flat with the same quarter last year, reflecting a stable underlying dividend rate on a largely unchanged average balance of approximately $10.2 million.

Interest income from interest-earning deposits, primarily cash deposited at the FRB of San

Francisco, was $272,000 in the third quarter of fiscal 2026, down $117,000 or 30 percent from $389,000 in the same quarter of fiscal 2025. The decrease was due to both a lower average yield and a lower average balance. The average yield decreased 76

basis points to 3.66 percent from 4.42 percent in the same quarter last year, due to a lower average interest rate on FRB reserve balances following decreases in the targeted federal funds rate since the same quarter last year. The average balance

decreased $5.4 million, or 16 percent, to $29.7 million in the third quarter of fiscal 2026 from $35.2 million in the same quarter last year.

Interest expense on deposits for the third quarter of fiscal 2026 was $2.88 million, an

increase of $136,000 or five percent from $2.75 million for the same period last year, reflecting higher rates paid on average deposits of $881.5 million compared to $885.0 million in the same quarter last year. The average cost of deposits increased

seven basis points to 1.33 percent from 1.26 percent in the same quarter last year, primarily due to a greater proportion of time deposits, including brokered certificates of deposit.

Since June 30, 2025, transaction account balances, or “core deposits,” decreased $7.2 million,

or one percent, to $569.3 million at March 31, 2026, while time deposits increased $11.3 million, or four percent, to $323.6 million at March 31, 2026, reflecting continued customer preference for higher-yielding deposit products. Brokered

certificates of deposit totaled $134.4 million at March 31, 2026, up $3.4 million, or three percent, from $131.0 million at June 30, 2025,

Page 3 of 15

while the weighted average cost of brokered certificates of deposit declined 31 basis points to 3.93 percent

from 4.24 percent at June 30, 2025, reflecting the lower interest rate environment.

Interest expense on borrowings, primarily comprised of FHLB advances, decreased $656,000, or

27 percent, to $1.82 million during the third quarter of fiscal 2026 from $2.47 million for the same period last year. This decrease was due to a $42.8 million, or 19 percent, decrease in average borrowings to $179.0 million from $221.8 million, as

well as a 41 basis point decrease in the average cost of borrowings to 4.11 percent from 4.52 percent, reflecting the lower interest rate environment.

At March 31, 2026, the Bank had approximately $232.0 million of remaining borrowing capacity

with the FHLB, an additional $192.3 million available through a borrowing facility with the FRB of San Francisco, and an unused unsecured federal funds borrowing facility of $50.0 million with its correspondent bank. Total available borrowing

capacity across all sources was approximately $474.3 million at March 31, 2026.

During the third quarter of fiscal 2026, the Company recorded a provision for credit losses of

$326,000, which included a $26,000 provision related to unfunded loan commitment reserves. This compares with a $391,000 recovery of credit losses in the same quarter last year and a $158,000 recovery of credit losses in the second quarter of fiscal

2026 (the sequential quarter). The provision for credit losses was primarily due to an increase in the expected life of the loan portfolio attributable to an increase in mortgage interest rates during the quarter.

Non-performing assets, comprised solely of non-accrual loans secured by properties located in

California, decreased $436,000, or 31 percent, to $978,000, representing 0.08 percent of total assets at March 31, 2026, compared to $1.4 million, or 0.11 percent, of total assets at June 30, 2025. At March 31, 2026, non-performing loans were

comprised of four single-family loans and one multi-family loan, compared to seven single-family loans and one multi-family loan at June 30, 2025. At both dates, the Bank had no real estate owned and no loans 90 days or more past due that were still

accruing interest. Additionally, no loan charge-offs occurred during the quarters ended March 31, 2026 and 2025.

Classified assets were $2.6 million at March 31, 2026, consisting of $611,000 of loans in the

special mention category and $2.0 million of loans in the substandard category. This compares to $5.0 million at June 30, 2025, consisting of $1.1 million of loans in the special mention category and $3.9 million of loans in the substandard category.

The allowance for credit losses on loans held for investment was $5.9 million, or 0.58 percent

of gross loans held for investment, at March 31, 2026, down from $6.4 million, or 0.62 percent of gross loans held for investment, at June 30, 2025. The decrease in the allowance for credit losses was due primarily to a shorter estimated average life

of the loan portfolio attributable to a decline in mortgage interest rates from June 30, 2025. Management believes, based on currently available information, the allowance for credit losses is sufficient to absorb expected losses inherent in loans

held for investment at March 31, 2026.

Page 4 of 15

Non-interest income decreased $194,000, or 21 percent, to $713,000 in the third quarter of

fiscal 2026 from $907,000 in the same period last year, primarily due to a decrease in other non-interest income, attributable primarily to a lower unrealized gain on other equity investments. On a sequential quarter basis, non-interest income

decreased $204,000, or 22 percent, primarily due to a decrease in other non-interest income, the result of a lower unrealized gain on other equity investments and a decrease in loan servicing and other fees, attributable primarily to lower loan

prepayment fees.

Non-interest expense decreased $217,000, or three percent, to $7.64 million in the third

quarter of fiscal 2026 from $7.86 million in the same quarter last year, primarily due to a $184,000, or 18 percent, decrease in other non-interest expenses, primarily reflecting a $239,000 non-recurring litigation settlement expense recorded in the

third quarter of fiscal 2025. On a sequential quarter basis, non-interest expense decreased $310,000, or four percent, from the second quarter of fiscal 2026, primarily due to the absence of the $214,000 non-recurring pre-litigation voluntary

mediation settlement expense recorded in the prior quarter.

The Company’s efficiency ratio, defined as non-interest expense divided by the sum of net

interest income and non-interest income, in the third quarter of fiscal 2026 was 77.35 percent, virtually unchanged from 77.64 percent in the same quarter last year. The ratio improved from 80.77 percent in the second quarter of fiscal 2026 (the

sequential quarter), primarily due to the absence of the non-recurring mediation settlement expense recorded in the prior quarter and higher net interest income in the current quarter.

The Company’s provision for income taxes was $557,000 for the third quarter of fiscal 2026,

down 30 percent from $797,000 in the same quarter last year and down nine percent from $614,000 in the second quarter of fiscal 2026 (the sequential quarter). The decrease compared to the same quarter last year was due to both lower pre-tax income

and a slight reduction in the effective tax rate to 29.1 percent from 30.0 percent. The decrease compared to the sequential quarter similarly reflected lower pre-tax income, with the effective tax rate declining to 29.1 percent from 30.0 percent in

the prior quarter.

The Company repurchased 91,532 shares of its common stock at an average cost of $16.18 per

share during the quarter ended March 31, 2026. As of March 31, 2026, a total of 264,579 shares remain available for future purchase under the Company’s current repurchase program.

The Bank currently operates 13 retail/business banking offices in Riverside County and San

Bernardino County (Inland Empire).

The Company will host a conference call for institutional investors and bank analysts on

Wednesday, April 29, 2026 at 9:00 a.m. (Pacific) to discuss its financial results. The conference call can be accessed by dialing 1-800-715-9871 and referencing Conference ID number 7361828. An audio replay of the conference call will be available

through Wednesday, May 6, 2026 by dialing 1-800-770-2030 and referencing Conference ID number 7361828.

Page 5 of 15

For more financial information about the Company please visit the website at

www.myprovident.com and click on the “Investor Relations” section.

Safe-Harbor Statement

This press release contains statements that the Company believes are “forward-looking statements” within the meaning

of the Private Securities Litigation Reform Act of 1995. These statements relate to the Company’s financial condition, liquidity, results of operations, plans, objectives, future performance or business. You should not place undue reliance on these

statements as they are subject to various risks and uncertainties. When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements the Company may make. Moreover, you

should treat these statements as speaking only as of the date they are made and based only on information then actually known to the Company.

There are a number of important factors that could cause actual results to differ materially from those express or

implied by these forward-looking statements and from historical performance. Factors that could cause actual results to differ materially include, but are not limited to: adverse economic conditions in the Company’s local market areas or other

markets in which it has lending relationships; changes in employment levels, labor shortages, persistent inflation, recessionary pressures, or slowing economic growth; changes in interest rate levels and volatility, and the timing and pace of such

changes, including actions by the Board of Governors of the Federal Reserve System (the “Federal Reserve”), which could adversely affect the Company’s revenues and expenses, the value of its assets and obligations, and the availability and cost of

capital and liquidity; the impact of inflation and related monetary and fiscal policy responses, and their effect on consumer and business behavior; the effects of a federal government shutdown, debt ceiling standoff, or other fiscal policy

uncertainty; credit risks associated with lending activities, including loan delinquencies, charge-offs, changes in the allowance for credit losses (“ACL”), and the provision for credit losses; increased competitive pressures, including repricing and

competitors’ pricing initiatives, and their impact on the Company’s market position and loan and deposit products; the quality and composition of the Company’s securities portfolio and the impact of adverse changes in the securities markets;

fluctuations in deposits; secondary market conditions for loans and the Company’s ability to sell loans in the secondary market; liquidity risks, including the Company’s ability to borrow funds or raise additional capital, if necessary; the Company’s

ability to successfully implement key growth initiatives and strategic priorities; the impact of bank failures or adverse developments at other banks and related negative publicity about the banking industry on investor and depositor sentiment;

results of examinations by regulatory authorities, including the possibility that a regulatory authority may, among other things, institute a formal or informal enforcement action against the Company or its bank subsidiary that could require the

Company to increase its ACL, write down assets, alter its regulatory capital position, affect its ability to borrow funds or maintain or increase deposits, or impose additional requirements or restrictions, any of which could adversely affect its

liquidity and earnings; the Company’s ability to adapt to rapid technological changes, including advancements related to artificial intelligence, digital banking platforms, and cybersecurity; legislative or regulatory changes, including but not

limited to changes in capital requirements, banking regulation, tax laws, or consumer protection laws; the use of estimates in determining the fair value of assets, which may prove inaccurate; vulnerabilities in information systems or third-party

service providers, including disruptions, breaches, or cyberattacks; geopolitical developments and international conflicts, including but not limited to tensions or instability in Eastern Europe, the Middle East, South America and Asia, or the

imposition of new or increased tariffs or trade restrictions, which could disrupt financial markets, global supply chains, commodity prices, or economic activity; staffing fluctuations in response to changes in product demand or corporate

implementation strategies; the Company’s ability to pay dividends on its common stock; environmental, social and governance matters; effects of climate change, severe weather events, natural disasters, pandemics, epidemics and other public health

crises, acts of war or terrorism, domestic political unrest, and other external events; and other factors described in the Company’s latest Annual Report on Form 10-K and Quarterly Reports on Form 10-Q and other reports filed with or furnished to the

Securities and Exchange Commission (“SEC”), which are available on the Company’s website at www.myprovident.com and on the SEC’s website at www.sec.gov.

We do not undertake and specifically disclaim any obligation to revise any forward-looking statements to reflect the

occurrence of anticipated or unanticipated events or circumstances after the date of such statements whether as a result of new information, future events or otherwise. These risks could cause our actual results for fiscal 2026 and beyond to differ

materially from those expressed in any forward-looking statements by, or on behalf of us and could negatively affect our operating and stock price performance.

Contacts:

Donavon P. Ternes

Peter C. Fan

President and Chief Executive Officer

Senior Vice President and Chief Financial Officer

Page 6 of 15

PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Financial Condition

(Unaudited –In Thousands, Except Share and Per Share Information)

March 31,

December 31,

September 30,

June 30,

March 31,

2026

2025

Assets

Cash and cash equivalents

57,126

54,370

49,407

53,090

50,915

Investment securities - held to maturity, at cost with no

allowance for credit losses

93,997

98,899

103,877

109,399

113,617

Investment securities - available for sale, at fair value

1,346

1,404

1,544

1,607

1,681

Loans held for investment, net of allowance for credit losses of

$5,934, $5,634, $5,780, $6,424 and $6,577, respectively;

includes $997, $1,006, $1,010, $1,018 and $1,032 of loans

held at fair value, respectively

1,029,644

1,037,655

1,041,776

1,045,745

1,058,980

Accrued interest receivable

4,196

4,106

4,180

4,215

4,263

FHLB - San Francisco stock and other equity investments,

includes $622, $721, $702, $730 and $721 of other equity

investments at fair value, respectively

10,190

10,289

10,270

10,298

10,289

Premises and equipment, net

9,551

9,836

8,992

9,324

9,388

Prepaid expenses and other assets

11,574

11,333

10,761

11,935

11,047

Total assets

1,217,624

1,227,892

1,230,807

1,245,613

1,260,180

Liabilities and Stockholders’ Equity

Liabilities:

Noninterest-bearing deposits

84,628

75,316

79,007

83,566

89,103

Interest-bearing deposits

808,257

797,118

795,832

805,206

812,216

Total deposits

892,885

872,434

874,839

888,772

901,319

Borrowings

184,053

213,060

213,066

213,073

215,580

Accounts payable, accrued interest and other liabilities

14,113

14,907

14,532

15,223

14,406

Total liabilities

1,091,051

1,100,401

1,102,437

1,117,068

1,131,305

Stockholders’ equity:

Preferred stock, $.01 par value (2,000,000 shares authorized;

none issued and outstanding)

—

Common stock, $.01 par value; (40,000,000 shares authorized;

18,229,615, 18,229,615, 18,229,615, 18,229,615 and

18,229,615 shares issued respectively; 6,323,219, 6,414,751,

6,511,011, 6,577,718 and 6,653,822 shares outstanding,

respectively)

183

Additional paid-in capital

99,553

99,434

99,306

99,149

99,096

Retained earnings

214,156

213,693

213,163

212,403

211,701

Treasury stock at cost (11,906,396, 11,814,864, 11,718,604,

11,651,897, and 11,575,793 shares, respectively)

(187,333)

(185,836)

(184,300)

(183,207)

(182,121)

Accumulated other comprehensive income, net of tax

Total stockholders’ equity

126,573

127,491

128,370

128,545

128,875

Total liabilities and stockholders’ equity

1,217,624

1,227,892

1,230,807

1,245,613

1,260,180

Page 7 of 15

PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Operations

(Unaudited - In Thousands, Except Per Share Information)

For the Quarter Ended

Nine Months Ended

March 31,

2026

2025

2026

2025

Interest income:

Loans receivable, net

12,705

13,368

38,908

39,441

Investment securities

395

459

1,236

1,412

FHLB - San Francisco stock and other equity investments

488

213

913

636

Interest-earning deposits

272

389

899

1,036

Total interest income

13,860

14,429

41,956

42,525

Interest expense:

Checking and money market deposits

161

150

Savings deposits

219

127

587

356

Time deposits

2,609

2,573

8,045

7,738

Borrowings

1,815

2,471

6,146

7,694

Total interest expense

4,697

5,217

14,939

15,938

Net interest income

9,163

9,212

27,017

26,587

Provision for (recovery of) credit losses

326

(391)

(458)

(502)

Net interest income, after provision for (recovery of) credit losses

8,837

9,603

27,475

27,089

Non-interest income:

Loan servicing and other fees

125

135

447

299

Deposit account fees

271

276

809

856

Card and processing fees

280

291

868

911

Other

205

319

585

Total non-interest income

713

907

2,443

2,651

Non-interest expense:

Salaries and employee benefits

4,813

4,776

14,366

14,235

Premises and occupancy

884

880

2,682

2,748

Equipment

444

417

1,329

1,139

Professional

325

386

1,181

1,224

Sales and marketing

179

181

485

541

Deposit insurance premiums and regulatory assessments

157

195

499

568

Other

837

1,021

2,680

2,718

Total non-interest expense

7,639

7,856

23,222

23,173

Income before income taxes

1,911

2,654

6,696

6,567

Provision for income taxes

557

797

2,225

1,938

Net income

1,354

1,857

4,471

4,629

Basic earnings per share

0.21

0.28

0.69

Diluted earnings per share

0.21

0.28

0.68

Cash dividends per share

0.14

0.42

Page 8 of 15

PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Operations – Sequential Quarters

(Unaudited – In Thousands, Except Per Share Information)

For the Quarter Ended

March 31,

December 31,

September 30,

June 30,

March 31,

2026

2025

Interest income:

Loans receivable, net

12,705

13,072

13,131

13,102

13,368

Investment securities

395

411

430

446

459

FHLB - San Francisco stock and other

equity investments

488

214

211

209

213

Interest-earning deposits

272

253

374

342

389

Total interest income

13,860

13,950

14,146

14,099

14,429

Interest expense:

Checking and money market deposits

Savings deposits

219

197

171

144

127

Time deposits

2,609

2,672

2,764

2,798

2,573

Borrowings

1,815

2,101

2,230

2,235

2,471

Total interest expense

4,697

5,026

5,216

5,217

Net interest income

9,163

8,924

8,930

8,882

9,212

Provision for (recovery of) credit losses

326

(158)

(626)

(164)

(391)

Net interest income, after provision for

(recovery of) credit losses

8,837

9,082

9,556

9,046

9,603

Non-interest income:

Loan servicing and other fees

125

176

146

120

135

Deposit account fees

271

273

265

256

276

Card and processing fees

280

286

302

354

291

Other

182

100

150

205

Total non-interest income

713

917

813

880

907

Non-interest expense:

Salaries and employee benefits

4,813

4,783

4,770

4,771

4,776

Premises and occupancy

884

851

947

886

880

Equipment

444

479

406

403

417

Professional

325

442

414

355

386

Sales and marketing

179

158

148

173

181

Deposit insurance premiums and regulatory assessments

157

177

165

172

195

Other

837

1,059

784

860

1,021

Total non-interest expense

7,639

7,949

7,634

7,620

7,856

Income before income taxes

1,911

2,050

2,735

2,306

2,654

Provision for income taxes

557

614

1,054

680

797

Net income

1,354

1,436

1,681

1,626

1,857

Basic earnings per share

0.21

0.22

0.26

0.25

0.28

Diluted earnings per share

0.21

0.22

0.25

0.24

0.28

Cash dividends per share

0.14

Page 9 of 15

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands, Except Share and Per

Share Information)

As of and For the

Quarter Ended

Nine Months Ended

March 31,

2026

2025

2026

2025

SELECTED FINANCIAL RATIOS:

Return on average assets

0.45

0.59

0.49

0.50

Return on average stockholders' equity

4.21

5.71

4.61

4.72

Stockholders’ equity to total assets

10.40

10.23

10.40

10.23

Net interest spread

2.93

2.82

2.87

2.74

Net interest margin

3.13

3.02

3.05

2.92

Efficiency ratio

77.35

77.64

78.83

79.26

Average interest-earning assets to average interest-

bearing liabilities

110.59

110.25

110.62

110.38

SELECTED FINANCIAL DATA:

Basic earnings per share

0.21

0.28

0.69

Diluted earnings per share

0.21

0.28

0.68

Book value per share

20.02

19.37

20.02

19.37

Shares used for basic EPS computation

6,367,057

6,679,808

6,465,674

6,753,060

Shares used for diluted EPS computation

6,446,802

6,732,794

6,535,284

6,796,743

Total shares issued and outstanding

6,323,219

6,653,822

6,323,219

6,653,822

LOANS ORIGINATED FOR INVESTMENT:

Mortgage loans:

Single-family

28,828

22,163

78,367

74,195

Multi-family

13,813

4,087

32,242

15,772

Commercial real estate

1,540

1,135

5,334

2,760

Commercial business loans

—

500

—

550

Total loans originated for investment

44,181

27,885

115,943

93,277

Page 10 of 15

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands, Except Share and Per

Share Information)

As of and For the

Quarter

Ended

03/31/26

12/31/25

09/30/25

06/30/25

03/31/25

SELECTED FINANCIAL

RATIOS:

Return on average assets

0.45

0.47

0.55

0.53

0.59

Return on average stockholders'

equity

4.21

4.44

5.17

5.01

5.71

Stockholders’ equity to total assets

10.40

10.38

10.43

10.32

10.23

Net interest spread

2.93

2.86

2.83

2.76

2.82

Net interest margin

3.13

3.03

3.00

2.94

3.02

Efficiency ratio

77.35

80.77

78.35

78.06

77.64

Average interest-earning assets to

average interest-bearing liabilities

110.59

110.66

110.60

110.41

110.25

SELECTED FINANCIAL

DATA:

Basic earnings per share

0.21

0.22

0.26

0.25

0.28

Diluted earnings per share

0.21

0.22

0.25

0.24

0.28

Book value per share

20.02

19.87

19.72

19.54

19.37

Average shares used for basic EPS

6,367,057

6,462,230

6,565,592

6,604,758

6,679,808

Average shares used for diluted

EPS

6,446,802

6,530,894

6,626,012

6,653,214

6,732,794

Total shares issued and outstanding

6,323,219

6,414,751

6,511,011

6,577,718

6,653,822

LOANS ORIGINATED FOR

INVESTMENT:

Mortgage loans:

Single-family

28,828

30,415

19,124

18,303

22,163

Multi-family

13,813

9,925

8,504

9,343

4,087

Commercial real estate

1,540

1,782

2,012

1,017

1,135

Construction

—

725

—

Commercial business loans

—

500

Total loans originated for

investment

44,181

42,122

29,640

29,388

27,885

Page 11 of 15

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands)

As of

03/31/26

12/31/25

09/30/25

06/30/25

03/31/25

ASSET QUALITY RATIOS AND DELINQUENT

LOANS:

Recourse reserve for loans sold

Allowance for credit losses on loans held for

investment

5,934

5,634

5,780

6,424

6,577

Non-performing loans to loans held for investment,

net

0.09

0.10

0.18

0.14

0.13

Non-performing assets to total assets

0.08

0.15

0.11

Allowance for credit losses on loans to gross loans

held for investment

0.58

0.55

0.56

0.62

Net loan charge-offs (recoveries) to average loans

receivable (annualized)

—

Non-performing loans

978

990

1,888

1,414

1,395

Loans 30 to 89 days delinquent

—

199

Quarter

Ended

03/31/26

12/31/25

09/30/25

06/30/25

03/31/25

(Recovery) recourse provision for loans sold

—

Provision for (recovery of) credit losses

326

(158)

(626)

(164)

(391)

Net loan charge-offs (recoveries)

—

As of

03/31/26

12/31/25

09/30/25

06/30/25

03/31/25

REGULATORY CAPITAL RATIOS (BANK):

Tier 1 leverage ratio

9.98

9.79

9.55

10.11

9.85

Common equity tier 1 capital ratio

19.01

18.67

18.19

19.50

19.01

Tier 1 risk-based capital ratio

19.01

18.67

18.19

19.50

19.01

Total risk-based capital ratio

19.96

19.56

19.09

20.51

20.03

As of March 31,

2026

2025

Balance

Rate(1)

Balance

Rate(1)

INVESTMENT SECURITIES:

Held to maturity (at cost):

U.S. SBA securities

203

4.10

328

4.85

U.S. government sponsored enterprise MBS

89,627

1.60

109,718

1.60

U.S. government sponsored enterprise CMO

4,167

2.75

3,571

2.13

Total investment securities held to maturity

93,997

1.66

113,617

1.62

Available for sale (at fair value):

U.S. government agency MBS

902

5.41

1,119

4.72

U.S. government sponsored enterprise MBS

373

6.14

482

6.91

Private issue CMO

5.65

6.10

Total investment securities available for sale

1,346

5.62

1,681

5.41

Total investment securities

95,343

1.71

115,298

1.68

(1)

Weighted-average yield earned on all instruments included in the balance of the respective line item.

Page 12 of 15

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands)

As of March 31,

2026

2025

Balance

Rate(1)

Balance

Rate(1)

LOANS HELD FOR INVESTMENT:

Mortgage loans:

Single-family (1 to 4 units)

548,441

4.69

545,377

4.66

Multi-family (5 or more units)

407,386

5.66

429,547

5.47

Commercial real estate

69,882

6.44

75,349

6.63

Construction

—

837

11.00

Other

—

5.25

Commercial business loans

2.68

4,255

9.52

Consumer loans

16.75

17.50

Total loans held for investment, gross

1,025,779

5.20

1,055,506

5.15

Advance payments of escrows

273

519

Deferred loan costs, net

9,526

9,532

Allowance for credit losses on loans

(5,934)

(6,577)

Total loans held for investment, net

1,029,644

1,058,980

Purchased loans serviced by others included above

1,559

5.72

1,721

5.72

(1)

Weighted-average yield earned on all instruments included in the balance of the respective line item.

As of March 31,

2026

2025

Balance

Rate(1)

Balance

Rate(1)

DEPOSITS:

Checking accounts – noninterest-bearing

84,628

—

89,103

—

Checking accounts – interest-bearing

238,705

0.05

248,392

0.04

Savings accounts

225,187

0.39

232,308

0.24

Money market accounts

20,768

0.21

21,640

0.16

Time deposits

323,597

3.28

309,876

3.57

Total deposits(2)(3)

892,885

1.31

901,319

1.30

Brokered CDs included in time deposits above

134,437

3.93

129,770

4.34

BORROWINGS:

Overnight

25,000

3.98

20,000

4.65

Three months or less

35,000

4.50

22,500

4.17

Over three to six months

20,000

4.58

5,000

5.33

Over six months to one year

10,000

4.09

108,000

4.65

Over one year to two years

79,053

3.75

45,000

4.66

Over two years to three years

15,000

4.41

4.50

Over three years to four years

—

15,000

4.41

Over four years to five years

—

Over five years

—

Total borrowings(4)

184,053

4.09

215,580

4.60

(1)

Weighted-average rate paid on all instruments included in the balance of the respective line item.

(2)

Includes uninsured deposits of approximately $194.1 million (of which, $61.2 million are collateralized) and $162.2 million (of

which, $57.1 million are collateralized) at March 31, 2026 and 2025, respectively.

(3)

The average balance of deposit accounts was approximately $38 thousand and $37 thousand at March 31, 2026 and 2025,

respectively.

(4)

The Bank had approximately $232.0 million and

$269.8 million of remaining borrowing capacity at the FHLB – San Francisco, approximately $192.3 million and $151.0 million of borrowing capacity at the FRB of San Francisco and $50.0 million and $50.0 million of borrowing capacity with

its correspondent bank at March 31, 2026 and 2025, respectively.

Page 13 of 15

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands)

For the Quarter Ended

March 31, 2026

March 31, 2025

Balance

Rate(1)

Balance

Rate(1)

SELECTED AVERAGE BALANCE SHEETS:

Loans receivable, net

1,034,498

4.91

1,056,441

5.06

Investment securities

98,352

1.61

118,431

1.55

FHLB - San Francisco stock and other equity

investments

10,247

19.05

10,268

8.30

Interest-earning deposits

29,734

3.66

35,182

4.42

Total interest-earning assets

1,172,831

4.73

1,220,322

4.73

Total assets

1,204,187

1,251,168

Deposits(2)

881,482

1.33

885,032

1.26

Borrowings

179,013

4.11

221,787

4.52

Total interest-bearing liabilities(2)

1,060,495

1.80

1,106,819

1.91

Total stockholders’ equity

128,557

130,081

(1)

Weighted-average yield earned or rate paid on all instruments included in the balance of the respective line item.

(2)

Includes the average balance of noninterest-bearing checking accounts of $80.6 million and $88.4 million and the average

balance of uninsured deposits of $187.3 million and $131.2 million during the quarters ended March 31, 2026 and 2025, respectively.

Nine Months Ended

March 31, 2026

March 31, 2025

Balance

Rate(1)

Balance

Rate(1)

SELECTED AVERAGE BALANCE SHEETS:

Loans receivable, net

1,038,435

5.00

1,050,748

5.00

Investment securities

103,475

1.59

123,983

1.52

FHLB - San Francisco stock and other equity investments

10,265

11.86

10,186

8.33

Interest-earning deposits

29,504

4.00

28,404

4.79

Total interest-earning assets

1,181,679

4.73

1,213,321

4.67

Total assets

1,212,395

1,243,635

Deposits(2)

880,933

1.33

876,176

1.25

Borrowings

187,341

4.37

223,087

4.59

Total interest-bearing liabilities(2)

1,068,274

1.86

1,099,263

1.93

Total stockholders’ equity

129,269

130,911

(1)

Weighted-average yield earned or rate paid on all instruments included in the balance of the respective line item.

(2)

Includes the average balance of noninterest-bearing checking accounts of $79.8 million and $88.4 million and the average

balance of uninsured deposits of $166.1 million and $127.5 million during the nine months ended March 31, 2026 and 2025, respectively.

Page 14 of 15

ASSET QUALITY:

As of

03/31/26

12/31/25

09/30/25

06/30/25

03/31/25

Loans on non-accrual status

Mortgage loans:

Single-family

520

529

568

948

925

Multi-family

458

461

1,320

466

470

Total

978

990

1,888

1,414

1,395

Accruing loans past due 90 days or more:

—

Total

—

Total non-performing loans (1)

978

990

1,888

1,414

1,395

Real estate owned, net

—

Total non-performing assets

978

990

1,888

1,414

1,395

(1)

The non-performing loan balances are net of individually evaluated or collectively evaluated allowances, specifically

attached to the individual loans.

Page 15 of 15

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Apr. 28, 2026

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Local phone number for entity.

+ References

No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

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- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

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Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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