Form 8-K

8-K — PROVIDENT FINANCIAL HOLDINGS INC

Accession: 0000939057-26-000279

Filed: 2026-10-27

Period: 2026-10-27

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 — prov-20261027.htm (Primary)

EX-99.1 — EXHIBIT 99.1 (earningsreleaseq1fy2027.htm)

EX-99.2 — EXHIBIT 99.2 (provinvestorpresentation.htm)

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8-K — FORM 8-K

8-K (Primary)

Filename: prov-20261027.htm · Sequence: 1

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): October 27, 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 October 27, 2026, Provident Financial Holdings, Inc. (“Corporation”), the holding company for Provident Savings Bank, F.S.B., distributed its financial results for the quarter ended September 30, 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 October 27, 2026, the Corporation posted its Investor Presentation for the quarter ended September 30, 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 September 30, 2026.

99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended September 30, 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: October 27, 2026

PROVIDENT FINANCIAL HOLDINGS, INC.

/s/ Peter C. Fan

Peter C. Fan

Senior Vice President and Chief Financial Officer

(Principal Financial and Accounting Officer)

0001010470

false

0001010470

2026-10-27

EX-99.1 — EXHIBIT 99.1

EX-99.1

Filename: earningsreleaseq1fy2027.htm · Sequence: 5

Exhibit 99.1

3756 Central Avenue

NEWS RELEASE

Riverside, CA 92506

(951) 686-6060

PROVIDENT FINANCIAL HOLDINGS REPORTS

FIRST QUARTER OF FISCAL 2027 RESULTS

Net Income of $1.57 Million in the September 2026 Quarter, Down 28% from the Sequential Quarter and 6% from the Comparable Quarter Last Year

Net Interest Margin of 3.32% in the September 2026 Quarter, Up 11 Basis Points from the Sequential Quarter and 32 Basis Points from the Comparable Quarter Last Year

Loans Held for Investment of $1.04 Billion at September 30, 2026, Compared to $1.03 Billion at June 30, 2026

Total Deposits of $897.7 Million at September 30, 2026, Down 1% from $910.4 Million at June 30, 2026

Non-Performing Assets to Total Assets Ratio of 0.04% at September 30, 2026, Unchanged from June 30, 2026

Allowance for Credit Losses of $6.59 Million at September 30, 2026, Up from $5.85 Million at June 30, 2026

Riverside, Calif. – October 27, 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 first quarter ended September 30, 2026.

The Company reported net income of $1.57 million, or $0.25 per diluted share (on 6.29 million average diluted shares outstanding), for the quarter ended September 30, 2026, down 28 percent from $2.18 million, or $0.35 per diluted share (on 6.33 million average diluted shares outstanding), in the fourth quarter of fiscal 2026, and down six percent from net income of $1.68 million, or $0.25 per diluted share (on 6.62 million average diluted shares outstanding), in the comparable period a year ago. The decrease compared to the sequential quarter primarily reflected a $777,000 provision for credit losses, in contrast to a $95,000 recovery of credit losses, and a $479,000 decrease in non-interest income, partly offset by a $459,000 increase in net interest income and a $130,000 decrease in non-interest expenses. The decrease from the comparable quarter last year was due primarily to a $777,000 provision for credit losses, in contrast to a $626,000 recovery of credit losses, partly offset by an $840,000 increase in net interest income.

“Our results for the first quarter reflected a higher provision for credit losses to build our allowance for credit losses, as an increase in interest rates extended the expected life of the loan portfolio. However, credit quality remains excellent,” said Donavon P. Ternes, President and Chief

Page 1 of 14

Executive Officer. “In a highly competitive environment, we maintained positive operating momentum, with increased net interest income, an expanded net interest margin and well-managed operating expenses. Together with our opportunistic share repurchases at prices below book value and consistent cash dividend, we remain focused on delivering long-term shareholder value,” added Ternes.

Return on average assets was 0.52 percent for the first quarter of fiscal 2027, compared to 0.73 percent for the fourth quarter of fiscal 2026 and 0.55 percent for the same quarter last year. Return on average stockholders’ equity for the first quarter of fiscal 2027 was 4.93 percent, compared to 6.85 percent for the fourth quarter of fiscal 2026 and 5.17 percent for the same quarter last year.

In the first quarter of fiscal 2027, net interest income increased $840,000 or nine percent to $9.77 million from $8.93 million for the same quarter last year. The increase reflected the impact of a $581,000 increase in income from interest-earning assets and a $259,000 decrease in funding costs. Net interest margin increased 32 basis points to 3.32 percent in the first quarter of fiscal 2027 from 3.00 percent in the same quarter last year, reflecting a higher average yield of interest-earning assets and lower funding costs.

Interest income on loans receivable was $13.45 million in the first quarter of fiscal 2027, up $318,000 or two percent from $13.13 million in the same quarter last year, primarily due to a higher average loan yield, which was partly offset by a lower average loan balance. The yield on loans receivable increased 17 basis points to 5.22 percent from 5.05 percent in the same quarter last year. The increase in the loan yield was primarily due to the effect of adjustable rate loans repricing, partly offset by an $89,000 increase in net deferred loan cost amortization to $429,000 in the first quarter of fiscal 2027 from $340,000 in the same quarter last year. During the last 12 months ended September 30, 2026, approximately $270.6 million of adjustable-rate loans repriced to a weighted average rate of 7.12 percent, up 99 basis points from 6.13 percent prior to repricing. The average balance of loans receivable for the quarter ended September 30, 2026 decreased $8.1 million, or one percent, to $1.03 billion compared to the same quarter last year.

Interest income from investment securities decreased $74,000, or 17 percent, to $356,000 in the first quarter of fiscal 2027 from $430,000 for the same quarter last year. This decrease was attributable to a lower average balance, partly offset by a higher average yield. The average balance of investment securities totaled $88.4 million, a decrease of $20.3 million, or 19 percent, from the same quarter last year, reflecting the continued runoff of the investment security portfolio. The yield on investment securities increased three basis points to 1.61 percent in the first quarter of fiscal 2027 from 1.58 percent for the same quarter last year, resulting from a lower premium amortization ($46,000 vs. $74,000).

In the first quarter of fiscal 2027 the Bank received $480,000 in cash dividends from the Federal Home Loan Bank (“FHLB”) – San Francisco stock and other equity investments, up $269,000 or 127 percent from $211,000 in the same quarter last year, primarily due to a $307,000 special cash dividend from FHLB – San Francisco stock. The average balance of FHLB – San Francisco stock and other equity investments increased $382,000 or four percent to $10.7 million

Page 2 of 14

from $10.3 million in the same quarter last year, due primarily to the Visa stock conversion from class B2 to class C shares in May 2026 and an increase in the fair value of Visa class C shares.

Interest income from interest-earning deposits, primarily cash deposited at the Federal Reserve Bank (“FRB”) of San Francisco, was $442,000 in the first quarter of fiscal 2027, up $68,000 or 18 percent from $374,000 in the same quarter last year. The increase was due to a higher average balance, partly offset by a lower average yield. The average balance increased $13.5 million, or 40 percent, to $47.0 million in the first quarter of fiscal 2027 from $33.5 million in the same quarter last year. The yield decreased 69 basis points to 3.68 percent from 4.37 percent in the same quarter last year, due to a lower average interest rate on FRB reserve balances.

Interest expense on deposits for the first quarter of fiscal 2027 was $3.35 million, an increase of $364,000 or 12 percent from $2.99 million for the same period last year, reflecting higher average deposit balances of $905.9 million, compared to $885.0 million in the prior-year quarter, and an increase in the average cost of deposits. The average cost of deposits increased 13 basis points to 1.47 percent from 1.34 percent in the same quarter last year, primarily due to a greater proportion of time deposits, including brokered certificates of deposit.

During the first quarter of fiscal 2027, transaction account balances (or “core deposits”) decreased $11.3 million, or two percent, to $545.9 million, while time deposits decreased $1.4 million to $351.8 million. Brokered certificates of deposit totaled $158.0 million at September 30, 2026, down $3.4 million, or two percent, from $161.4 million at June 30, 2026, while the weighted average cost of brokered certificates of deposit increased one basis point to 3.94 percent at September 30, 2026 from 3.93 percent at June 30, 2026.

Interest expense on borrowings, primarily comprised of FHLB – San Francisco advances, decreased $623,000, or 28 percent, to $1.61 million during the first quarter of fiscal 2027 from $2.23 million for the same period last year. This decrease was due to a $33.8 million, or 18 percent, decrease in average borrowings to $159.1 million from $192.9 million, as well as a 58 basis point decrease in the average cost of borrowings to 4.01 percent from 4.59 percent, due primarily to maturities of higher-cost advances being replaced with lower-cost advances.

At September 30, 2026, the Bank had approximately $239.1 million of remaining borrowing capacity with the FHLB – San Francisco, an additional $175.1 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 $464.2 million at September 30, 2026. The Bank also remained well capitalized under all applicable regulatory capital requirements.

During the first quarter of fiscal 2027, the Company recorded a $777,000 provision for credit losses, which included a $36,000 provision related to unfunded loan commitment reserves. This compares with a $626,000 recovery of credit losses in the same quarter last year and a $95,000 recovery of credit losses in the fourth quarter of fiscal 2026 (the sequential quarter). The provision for credit losses was primarily driven by an increase in the expected life of the loan portfolio attributable primarily to higher interest rates and a modest increase in the loan portfolio balance.

Page 3 of 14

The provision was partly offset by other favorable factors, including lower historical loss rates and improved forward-looking economic indicators.

Non-performing assets, comprised solely of non-accrual loans secured by properties located in California, decreased slightly to $504,000, representing 0.04 percent of total assets at September 30, 2026, compared to $505,000, or 0.04 percent of total assets, at June 30, 2026. At September 30, 2026, non-performing loans were comprised of three single-family loans and one multi-family loan, unchanged from June 30, 2026. 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 September 30, 2026 and 2025.

Classified assets were $4.1 million at September 30, 2026, consisting of $785,000 of loans in the special mention category and $3.3 million of loans in the substandard category. This compares to $2.5 million at June 30, 2026, consisting of $792,000 of loans in the special mention category and $1.7 million of loans in the substandard category.

The allowance for credit losses on loans held for investment was $6.6 million, or 0.64 percent of gross loans held for investment, at September 30, 2026, up from $5.9 million, or 0.57 percent of gross loans held for investment, at June 30, 2026. The increase in the allowance for credit losses was due primarily to a longer estimated average life of the loan portfolio attributable to an increase in mortgage interest rates and a higher loan portfolio balance from June 30, 2026. 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 September 30, 2026.

Non-interest income decreased $9,000, or one percent, to $804,000 in the first quarter of fiscal 2027 from $813,000 in the same period last year. The decrease was primarily due to a decrease in loan servicing and other fees, as well as decreases in deposit account fees and card and processing fees. These decreases were partly offset by other non-interest income (mainly due to a higher gain on other equity investments). On a sequential quarter basis, non-interest income decreased $479,000, or 37 percent, primarily due to a lower gain on other equity investments resulting mainly from the Visa share conversion in the prior quarter.

Non-interest expense decreased $15,000 to $7.62 million in the first quarter of fiscal 2027 from $7.63 million in the same quarter last year, primarily due to a $111,000 or two percent decrease in salaries and employee benefits (mainly lower compensation expenses and retirement expenses), partially offset by a $103,000 or 13 percent increase in other operating expenses. On a sequential quarter basis, non-interest expense decreased $130,000, or two percent, primarily due to decreases in salaries and employee benefits (mainly lower retirement expenses and stock-based compensation expenses), partly offset by an increase in other operating expenses.

The Company’s efficiency ratio, defined as non-interest expense divided by the sum of net interest income and non-interest income, in the first quarter of fiscal 2027 was 72 percent, an improvement from 78 percent in the same quarter last year. The ratio also improved from 73 percent in the fourth quarter of fiscal 2026 (the sequential quarter). The improvement compared to

Page 4 of 14

both the sequential quarter and the same quarter last year was driven by lower total non-interest expense and higher net interest income, partly offset by lower total non-interest income.

The Company’s provision for income taxes was $605,000 for the first quarter of fiscal 2027, down 43 percent from $1.05 million in the same quarter last year and down 20 percent from $756,000 in the fourth quarter of fiscal 2026 (the sequential quarter). The decrease compared to the same quarter last year was due to a lower pre-tax income and a reduction in the effective tax rate to 27.8 percent from 38.5 percent. The decrease compared to the sequential quarter similarly reflected lower pre-tax income, partly offset by a higher effective tax rate from 25.7 percent in the prior quarter. The lower effective tax rate was due primarily to tax benefits related to stock-based compensation.

The Company repurchased 86,431 shares of its common stock at an average cost of $18.30 per share during the quarter ended September 30, 2026, and paid a quarterly cash dividend of $0.14 per share. As of September 30, 2026, a total of 88,174 shares remained 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 (collectively referred to as the Inland Empire).

The Company will host a conference call for institutional investors and bank analysts on Wednesday, October 28, 2026 at 9:00 a.m. (Pacific) to discuss its financial results. The conference call can be accessed by dialing 1-833-461-5787 and referencing Conference ID number 692023312. An audio replay of the conference call will be available through Wednesday, November 4, 2026 by dialing 1-833-309-1852 and referencing Conference ID number 692023312.

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 expressed 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

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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 2027 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 14

PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Financial Condition

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

September 30,

June 30,

March 31,

December 31,

September 30,

2026

2025

Assets

Cash and cash equivalents

53,245

49,210

57,126

54,370

49,407

Investment securities - held to maturity, at cost with no

allowance for credit losses

84,086

89,251

93,997

98,899

103,877

Investment securities - available for sale, at fair value

1,163

1,272

1,346

1,404

1,544

Loans held for investment, net of allowance for credit losses

of $6,591, $5,850, $5,934, $5,634 and $5,780, respectively;

includes $902, $978, $997, $1,006 and $1,010 of loans held

at fair value, respectively

1,036,695

1,032,682

1,029,644

1,037,655

1,041,776

Accrued interest receivable

4,422

4,285

4,196

4,106

4,180

FHLB - San Francisco stock and other equity investments,

includes $1,090, $1,041, $622, $721 and $702 of other equity investments

at fair value, respectively

10,658

10,609

10,190

10,289

10,270

Premises and equipment, net

8,998

9,231

9,551

9,836

8,992

Prepaid expenses and other assets

10,673

11,621

11,574

11,333

10,761

Total assets

1,209,940

1,208,161

1,217,624

1,227,892

1,230,807

Liabilities and Stockholders’ Equity

Liabilities:

Noninterest-bearing deposits

85,351

86,859

84,628

75,316

79,007

Interest-bearing deposits

812,377

823,524

808,257

797,118

795,832

Total deposits

897,728

910,383

892,885

872,434

874,839

Borrowings

172,039

157,046

184,053

213,060

213,066

Accounts payable, accrued interest and other liabilities

14,736

14,512

14,113

14,907

14,532

Total liabilities

1,084,503

1,081,941

1,091,051

1,100,401

1,102,437

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; 18,236,615, 18,229,615, 18,229,615,

18,229,615 and 18,229,615 shares issued respectively;

6,197,727, 6,264,035, 6,323,219, 6,414,751 and 6,511,011

shares outstanding, respectively)

183

Additional paid-in capital

99,978

99,782

99,553

99,434

99,306

Retained earnings

216,159

215,466

214,156

213,693

213,163

Treasury stock at cost (12,038,888, 11,965,580, 11,906,396,

11,814,864, and 11,718,604 shares, respectively)

(190,891)

(189,224)

(187,333)

(185,836)

(184,300)

Accumulated other comprehensive income, net of tax

Total stockholders’ equity

125,437

126,220

126,573

127,491

128,370

Total liabilities and stockholders’ equity

1,209,940

1,208,161

1,217,624

1,227,892

1,230,807

Page 7 of 14

PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Operations

(Unaudited - In Thousands, Except Per Share Information)

For the Quarter Ended

September 30,

2026

2025

Interest income:

Loans receivable, net

13,449

13,131

Investment securities

356

430

FHLB - San Francisco stock and other equity investments

480

211

Interest-earning deposits

442

374

Total interest income

14,727

14,146

Interest expense:

Checking and money market deposits

Savings deposits

279

171

Time deposits

3,013

2,764

Borrowings

1,607

2,230

Total interest expense

4,957

5,216

Net interest income

9,770

8,930

Provision for (recovery of) credit losses

777

(626)

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

8,993

9,556

Non-interest income:

Loan servicing and other fees

146

Deposit account fees

234

265

Card and processing fees

290

302

Other

206

100

Total non-interest income

804

813

Non-interest expense:

Salaries and employee benefits

4,659

4,770

Premises and occupancy

887

947

Equipment

414

406

Professional

407

414

Sales and marketing

204

148

Deposit insurance premiums and regulatory assessments

161

165

Other

887

784

Total non-interest expense

7,619

7,634

Income before income taxes

2,178

2,735

Provision for income taxes

605

1,054

Net income

1,573

1,681

Basic earnings per share

0.25

0.26

Diluted earnings per share

0.25

Cash dividends per share

0.14

Page 8 of 14

PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Operations – Sequential Quarters

(Unaudited – In Thousands, Except Per Share Information)

For the Quarter Ended

September 30,

June 30,

March 31,

December 31,

September 30,

2026

2025

Interest income:

Loans receivable, net

13,449

13,116

12,705

13,072

13,131

Investment securities

356

376

395

411

430

FHLB - San Francisco stock and

other equity investments

480

177

488

214

211

Interest-earning deposits

442

264

272

253

374

Total interest income

14,727

13,933

13,860

13,950

14,146

Interest expense:

Checking and money market deposits

Savings deposits

279

249

219

197

171

Time deposits

3,013

2,733

2,609

2,672

2,764

Borrowings

1,607

1,594

1,815

2,101

2,230

Total interest expense

4,957

4,622

4,697

5,026

5,216

Net interest income

9,770

9,311

9,163

8,924

8,930

Provision for (recovery of) credit losses

777

(95)

326

(158)

(626)

Net interest income, after provision for

(recovery of) credit losses

8,993

9,406

8,837

9,082

9,556

Non-interest income:

Loan servicing and other fees

136

125

176

146

Deposit account fees

234

258

271

273

265

Card and processing fees

290

335

280

286

302

Other

206

554

182

100

Total non-interest income

804

1,283

713

917

813

Non-interest expense:

Salaries and employee benefits

4,659

4,897

4,813

4,783

4,770

Premises and occupancy

887

878

884

851

947

Equipment

414

428

444

479

406

Professional

407

370

325

442

414

Sales and marketing

204

227

179

158

148

Deposit insurance premiums and

regulatory assessments

161

162

157

177

165

Other

887

787

837

1,059

784

Total non-interest expense

7,619

7,749

7,639

7,949

7,634

Income before income taxes

2,178

2,940

1,911

2,050

2,735

Provision for income taxes

605

756

557

614

1,054

Net income

1,573

2,184

1,354

1,436

1,681

Basic earnings per share

0.25

0.35

0.21

0.22

0.26

Diluted earnings per share

0.25

0.35

0.21

0.22

0.25

Cash dividends per share

0.14

Page 9 of 14

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands, Except Share and Per Share Information)

As of and For the

Quarter Ended

September 30,

2026

2025

SELECTED FINANCIAL RATIOS:

Return on average assets

0.52

0.55

Return on average stockholders' equity

4.93

5.17

Stockholders’ equity to total assets

10.37

10.43

Net interest spread

3.15

2.83

Net interest margin

3.32

3.00

Efficiency ratio

72.05

78.35

Average interest-earning assets to average interest-bearing liabilities

110.56

110.60

SELECTED FINANCIAL DATA:

Basic earnings per share

0.25

0.26

Diluted earnings per share

0.25

Book value per share

20.24

19.72

Shares used for basic EPS computation

6,243,542

6,565,592

Shares used for diluted EPS computation

6,294,268

6,624,787

Total shares issued and outstanding

6,197,727

6,511,011

LOANS ORIGINATED FOR INVESTMENT:

Mortgage loans:

Single-family

32,721

19,124

Multi-family

8,605

8,504

Commercial real estate

4,090

2,012

Total loans originated for investment

45,416

29,640

Page 10 of 14

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands, Except Share and Per Share Information)

As of and For the

Quarter

Ended

09/30/26

06/30/26

03/31/26

12/31/25

09/30/25

SELECTED FINANCIAL

RATIOS:

Return on average assets

0.52

0.73

0.45

0.47

0.55

Return on average stockholders' equity

4.93

6.85

4.21

4.44

5.17

Stockholders’ equity to total assets

10.37

10.45

10.40

10.38

10.43

Net interest spread

3.15

3.04

2.93

2.86

2.83

Net interest margin

3.32

3.21

3.13

3.03

3.00

Efficiency ratio

72.05

73.15

77.35

80.77

78.35

Average interest-earning assets to

average interest-bearing

liabilities

110.56

110.59

110.66

110.60

SELECTED FINANCIAL

DATA:

Basic earnings per share

0.25

0.35

0.21

0.22

0.26

Diluted earnings per share

0.25

0.35

0.21

0.22

0.25

Book value per share

20.24

20.15

20.02

19.87

19.72

Average shares used for basic EPS

6,243,542

6,264,665

6,367,057

6,462,230

6,565,592

Average shares used for diluted EPS

6,294,268

6,333,590

6,442,894

6,527,569

6,624,787

Total shares issued and outstanding

6,197,727

6,264,035

6,323,219

6,414,751

6,511,011

LOANS ORIGINATED FOR

INVESTMENT:

Mortgage loans:

Single-family

32,721

37,180

28,828

30,415

19,124

Multi-family

8,605

9,186

13,813

9,925

8,504

Commercial real estate

4,090

—

1,540

1,782

2,012

Total loans originated for investment

45,416

46,366

44,181

42,122

29,640

Page 11 of 14

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands)

As of

09/30/26

06/30/26

03/31/26

12/31/25

09/30/25

ASSET QUALITY RATIOS AND DELINQUENT

LOANS:

Recourse reserve for loans sold

Allowance for credit losses on loans held for

investment

6,591

5,850

5,934

5,634

5,780

Non-performing loans to loans held for investment,

net

0.05

0.09

0.10

0.18

Non-performing assets to total assets

0.04

0.08

0.15

Allowance for credit losses on loans to gross loans

held for investment

0.64

0.57

0.58

0.55

0.56

Net loan charge-offs (recoveries) to average loans

receivable (annualized)

—

Non-performing loans

504

505

978

990

1,888

Loans 30 to 89 days delinquent

—

Quarter

Ended

09/30/26

06/30/26

03/31/26

12/31/25

09/30/25

(Recovery of) recourse provision for loans

sold

—

(6)

—

Provision for (recovery of) credit losses

777

(95)

326

(158)

(626)

Net loan charge-offs (recoveries)

—

As of

09/30/26

06/30/26

03/31/26

12/31/25

09/30/25

REGULATORY CAPITAL RATIOS (BANK):

Tier 1 leverage ratio

9.25

10.30

9.98

9.79

9.55

Common equity tier 1 capital ratio

17.36

19.41

19.01

18.67

18.19

Tier 1 risk-based capital ratio

17.36

19.41

19.01

18.67

18.19

Total risk-based capital ratio

18.40

20.34

19.96

19.56

19.09

As of September 30,

2026

2025

Balance

Rate(1)

Balance

Rate(1)

INVESTMENT SECURITIES:

Held to maturity (at cost):

U.S. SBA securities(2)

105

4.10

257

4.85

U.S. government sponsored enterprise MBS(3)

80,169

1.62

99,154

1.60

U.S. government sponsored enterprise CMO(4)

3,812

2.80

4,466

2.72

Total investment securities held to maturity

84,086

1.67

103,877

1.66

Available for sale (at fair value):

U.S. government agency MBS(3)

805

5.21

1,038

5.10

U.S. government sponsored enterprise MBS(3)

302

5.94

431

6.44

Private issue CMO(4)

5.36

5.77

Total investment securities available for sale

1,163

5.41

1,544

5.51

Total investment securities

85,249

1.72

105,421

1.72

(1)

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

(2)

Small Business Administration (“SBA”)

(3)

Mortgage-Backed Securities (“MBS”)

(4)

Collateralized Mortgage Obligations (“CMO”)

Page 12 of 14

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands)

As of September 30,

2026

2025

Balance

Rate(1)

Balance

Rate(1)

LOANS HELD FOR INVESTMENT:

Mortgage loans:

Single-family (1 to 4 units)

582,442

4.83

549,535

4.72

Multi-family (5 or more units)

381,555

6.12

415,175

5.57

Commercial real estate

69,075

6.73

71,010

6.59

Construction

—

632

8.15

Other

—

5.25

Commercial business loans

—

1,324

9.43

Consumer loans

16.80

17.50

Total loans held for investment, gross

1,033,137

5.43

1,037,825

5.20

Advance payments of escrows

179

184

Deferred loan costs, net

9,970

9,547

Allowance for credit losses on loans

(6,591)

(5,780)

Total loans held for investment, net

1,036,695

1,041,776

Purchased loans serviced by others included above

1,507

5.72

1,626

5.72

(1)

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

As of September 30,

2026

2025

Balance

Rate(1)

Balance

Rate(1)

DEPOSITS:

Checking accounts – noninterest-bearing

85,351

—

79,007

—

Checking accounts – interest-bearing

222,911

0.05

234,038

0.05

Savings accounts

215,695

0.52

228,616

0.31

Money market accounts

21,927

0.58

24,165

0.47

Time deposits

351,844

3.38

309,013

3.42

Total deposits(2)(3)

897,728

1.47

874,839

1.32

Brokered CDs included in time deposits above

158,043

3.94

123,821

4.10

BORROWINGS:

Overnight

—

25,000

4.49

Three months or less

40,000

4.16

54,000

5.03

Over three to six months

8,000

3.94

54,000

4.26

Over six months to one year

79,000

3.75

45,000

4.66

Over one year to two years

45,039

4.39

20,000

4.03

Over two years to three years

—

15,066

4.41

Over three years to four years

—

Over four years to five years

—

Over five years

—

Total borrowings(4)

172,039

4.02

213,066

4.55

(1)

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

(2)

Includes uninsured deposits of approximately $188.6 million (of which, $60.3 million are collateralized) and $169.7 million (of which, $52.4 million are collateralized) at September 30, 2026 and 2025, respectively.

(3)

The average balance of deposit accounts was approximately $40 thousand and $37 thousand at September 30, 2026 and 2025, respectively.

(4)

The Bank had approximately $239.1 million and $279.0 million of remaining borrowing capacity at the FHLB – San Francisco, approximately $175.1 million and $143.3 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 September 30, 2026 and 2025, respectively.

Page 13 of 14

PROVIDENT FINANCIAL HOLDINGS, INC.

Financial Highlights

(Unaudited - Dollars in Thousands)

For the Quarter Ended

September 30, 2026

September 30, 2025

Balance

Rate(1)

Balance

Rate(1)

SELECTED AVERAGE BALANCE SHEETS:

Loans receivable, net

1,031,417

5.22

1,039,533

5.05

Investment securities

88,395

1.61

108,699

1.58

FHLB - San Francisco stock and other equity investments

10,668

18.00

10,286

8.21

Interest-earning deposits

46,971

3.68

33,512

4.37

Total interest-earning assets

1,177,451

5.00

1,192,030

4.75

Total assets

1,207,580

1,222,396

Deposits(2)

905,931

1.47

884,951

1.34

Borrowings

159,054

4.01

192,853

4.59

Total interest-bearing liabilities(2)

1,064,985

1.85

1,077,804

1.92

Total stockholders’ equity

127,712

130,013

(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 $82.7 million and $81.3 million and the average balance of uninsured deposits of $175.7 million and $144.5 million during the quarters ended September 30, 2026 and 2025, respectively.

ASSET QUALITY:

As of

09/30/26

06/30/26

03/31/26

12/31/25

09/30/25

Loans on non-accrual status

Mortgage loans:

Single-family

520

529

568

Multi-family

454

455

458

461

1,320

Total

504

505

978

990

1,888

Accruing loans past due 90 days or more:

—

Total

—

Total non-performing loans (1)

504

505

978

990

1,888

Real estate owned, net

—

Total non-performing assets

504

505

978

990

1,888

(1)

The non-performing loan balances are net of individually evaluated or collectively evaluated allowances, specifically attached to the individual loans.

Page 14 of 14

EX-99.2 — EXHIBIT 99.2

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