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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)




[ ✓ ]	QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

	For the quarterly period ended	December 31, 2025

[ ]	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

	For the transition period from ________________ to _________________

Commission File Number 000-28304

PROVIDENT FINANCIAL HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Delaware	33-0704889
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)

3756 Central Avenue, Riverside, California 92506

(Address of principal executive offices and zip code)

(951) 686-6060

(Registrant’s telephone number, including area code)

_________________________________________________________

(Former name, former address and former fiscal year, if changed since last report)

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 $0.01 per share	PROV	The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ⌧ Yes ◻ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ⌧ Yes ◻ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer ◻	Accelerated filer ◻
Non-accelerated filer ⌧	Smaller reporting company ⌧
	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 ◻

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

◻ Yes ⌧ No

APPLICABLE ONLY TO CORPORATE ISSUERS

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. As of January 31, 2026, there were 6,375,020 shares of the registrant's common stock, $0.01 par value per share, outstanding.

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PROVIDENT FINANCIAL HOLDINGS, INC.

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PART 1 -	FINANCIAL INFORMATION	Page

ITEM 1 -	Financial Statements. The Unaudited Interim Condensed Consolidated Financial Statements of Provident Financial Holdings, Inc. filed as a part of the report are as follows:

	Condensed Consolidated Statements of Financial Condition as of December 31, 2025 and June 30, 2025	1
	Condensed Consolidated Statements of Operations for the Quarters and Six Months ended December 31, 2025 and 2024	2
	Condensed Consolidated Statements of Comprehensive Income for the Quarters and Six Months ended December 31, 2025 and 2024	3
	Condensed Consolidated Statements of Stockholders’ Equity for the Quarters and Six Months ended December 31, 2025 and 2024	4
	Condensed Consolidated Statements of Cash Flows for the Six Months ended December 31, 2025 and 2024	6
	Notes to Unaudited Interim Condensed Consolidated Financial Statements	7

ITEM 2 -	Management’s Discussion and Analysis of Financial Condition and Results of Operations:

	General	43
	Safe-Harbor Statement	43
	Critical Accounting Estimates	45
	Executive Summary and Operating Strategy	45
	Commitments and Derivative Financial Instruments	46
	Comparison of Financial Condition at December 31, 2025 and June 30, 2025	46
	Comparison of Operating Results for the Quarters and Six Months ended December 31, 2025 and 2024	48
	Asset Quality	58
	Loan Volume Activities	60
	Liquidity and Capital Resources	60
	Supplemental Information	62

ITEM 3 -	Quantitative and Qualitative Disclosures about Market Risk	62

ITEM 4 -	Controls and Procedures	67

PART II -	OTHER INFORMATION

ITEM 1 -	Legal Proceedings	67
ITEM 1A -	Risk Factors	68
ITEM 2 -	Unregistered Sales of Equity Securities and Use of Proceeds	68
ITEM 3 -	Defaults Upon Senior Securities	68
ITEM 4 -	Mine Safety Disclosures	68
ITEM 5 -	Other Information	68
ITEM 6 -	Exhibits	69

SIGNATURES		70

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PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Financial Condition

(Unaudited)

In Thousands, Except Share and Per Share Information


	December 31,		June 30,
	2025		2025
Assets
Cash and cash equivalents	$	54,370	$	53,090
Investment securities - held to maturity, at cost with no allowance for credit losses		98,899		109,399
Investment securities - available for sale, at fair value		1,404		1,607
Loans held for investment, net of allowance for credit losses of $5.6 million and $6.4 million, respectively; includes $1.0 million and $1.0 million of loans held at fair value, respectively; $642.3 million and $734.4 million pledged to Federal Home Loan Bank ("FHLB") - San Francisco, respectively; $310.0 million and $227.0 million pledged to Federal Reserve Bank ("FRB") - San Francisco, respectively		1,037,655		1,045,745
Accrued interest receivable		4,106		4,215
FHLB - San Francisco stock and other equity investments, includes $721 and $730 of other equity investments at fair value, respectively		10,289		10,298
Premises and equipment, net		9,836		9,324
Prepaid expenses and other assets		11,333		11,935

Total assets	$	1,227,892	$	1,245,613

Liabilities and Stockholders’ Equity

Liabilities:
Noninterest-bearing deposits	$	75,316	$	83,566
Interest-bearing deposits		797,118		805,206
Total deposits		872,434		888,772

Borrowings		213,060		213,073
Accounts payable, accrued interest and other liabilities		14,907		15,223
Total liabilities		1,100,401		1,117,068

Commitments and Contingencies (Notes 6 and 9)

Stockholders’ equity:
Preferred stock, $0.01 par value (2,000,000 shares authorized; none issued and outstanding)		—		—
Common stock, $0.01 par value, (40,000,000 and 40,000,000 shares authorized, 18,229,615 and 18,229,615 shares issued, and 6,414,751 and 6,577,718 shares outstanding, respectively)		183		183
Additional paid-in capital		99,434		99,149
Retained earnings		213,693		212,403
Treasury stock at cost (11,814,864 and 11,651,897 shares, respectively)		(185,836)		(183,207)
Accumulated other comprehensive income, net of tax		17		17

Total stockholders’ equity		127,491		128,545

Total liabilities and stockholders’ equity	$	1,227,892	$	1,245,613

The accompanying notes are an integral part of these condensed consolidated financial statements.

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PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Operations

(Unaudited)

In Thousands, Except Per Share Information


	Quarter Ended				Six Months Ended
	December 31,				December 31,
	2025		2024		2025		2024
Interest income:
Loans receivable, net	$	13,072	$	13,050	$	26,203	$	26,073
Investment securities		411		471		841		953
FHLB - San Francisco stock and other equity investments		214		213		425		423
Interest-earning deposits		253		287		627		647
Total interest income		13,950		14,021		28,096		28,096

Interest expense:
Checking and money market deposits		56		51		107		104
Savings deposits		197		117		368		229
Time deposits		2,672		2,506		5,436		5,165
Borrowings		2,101		2,588		4,331		5,223
Total interest expense		5,026		5,262		10,242		10,721

Net interest income		8,924		8,759		17,854		17,375
(Recovery of) provision for credit losses		(158)		586		(784)		(111)
Net interest income, after (recovery of) provision for credit losses		9,082		8,173		18,638		17,486

Non-interest income:
Loan servicing and other fees		176		60		322		164
Deposit account fees		273		282		538		580
Card and processing fees		286		300		588		620
Other		182		203		282		380
Total non-interest income		917		845		1,730		1,744

Non-interest expense:
Salaries and employee benefits		4,783		4,826		9,553		9,459
Premises and occupancy		851		917		1,798		1,868
Equipment		479		379		885		722
Professional		442		412		856		838
Sales and marketing		158		187		306		360
Deposit insurance premium and regulatory assessments		177		190		342		373
Other		1,059		883		1,843		1,697
Total non-interest expense		7,949		7,794		15,583		15,317

Income before income taxes		2,050		1,224		4,785		3,913
Provision for income taxes		614		352		1,668		1,141
Net income	$	1,436	$	872	$	3,117	$	2,772

Basic earnings per share	$	0.22	$	0.13	$	0.48	$	0.41
Diluted earnings per share	$	0.22	$	0.13	$	0.47	$	0.41

The accompanying notes are an integral part of these condensed consolidated financial statements.

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PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Comprehensive Income

(Unaudited)

In Thousands


	For the Quarter Ended				For the Six Months Ended
	December 31,				December 31,
	2025		2024		2025		2024
Net income	$	1,436	$	872	$	3,117	$	2,772

Change in unrealized holding (loss) income on securities available for sale and interest-only strips		(1)		1		—		26
Income tax expense		—		—		—		(8)
Other comprehensive (loss) income		(1)		1		—		18
Total comprehensive income	$	1,435	$	873	$	3,117	$	2,790

The accompanying notes are an integral part of these condensed consolidated financial statements.

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PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Stockholders' Equity

(Unaudited)

In Thousands, Except Share and Per Share Information

For the Quarters Ended December 31, 2025 and 2024:


															Accumulated
															Other
		Common					Additional								Comprehensive
		Stock					Paid-In			Retained			Treasury		Income (Loss),
		Shares		Amount			Capital			Earnings			Stock		Net of Tax		Total
Balance at September 30, 2025		6,511,011		$	183		$	99,306		$	213,163		$	(184,300)	$	18	$	128,370

Net income											1,436							1,436
Other comprehensive loss																(1)		(1)
Purchase of treasury stock		(96,260)												(1,536)				(1,536)
Amortization of restricted stock								102										102
Stock options expense								26										26
Cash dividends⁽¹⁾											(906)							(906)

Balance at December 31, 2025		6,414,751		$	183		$	99,434		$	213,693		$	(185,836)	$	17	$	127,491

(1)	Cash dividends of $0.14 per share were paid in the quarter ended December 31, 2025.


															Accumulated
															Other
		Common					Additional								Comprehensive
		Stock					Paid-In			Retained			Treasury		Income,
		Shares		Amount			Capital			Earnings			Stock		Net of Tax		Total
Balance at September 30, 2024		6,769,247		$	183		$	98,711		$	210,853		$	(180,155)	$	14	$	129,606

Net income											872							872
Other comprehensive income																1		1
Purchase of treasury stock		(63,556)												(1,030)				(1,030)
Awards of restricted stock								(91)						91				—
Amortization of restricted stock								111										111
Stock options expense								16										16
Cash dividends⁽¹⁾											(946)							(946)

Balance at December 31, 2024		6,705,691		$	183		$	98,747		$	210,779		$	(181,094)	$	15	$	128,630

(1)	Cash dividends of $0.14 per share were paid in the quarter ended December 31, 2024.

The accompanying notes are an integral part of these condensed consolidated financial statements.

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For the Six Months Ended December 31, 2025 and 2024:


																Accumulated
																Other
		Common					Additional									Comprehensive
		Stock					Paid-In			Retained			Treasury			Income,
		Shares		Amount			Capital			Earnings			Stock			Net of Tax			Total
Balance at June 30, 2025		6,577,718		$	183		$	99,149		$	212,403		$	(183,207)		$	17		$	128,545

Net income											3,117									3,117
Other comprehensive income																	—			—
Purchase of treasury stock		(162,967)												(2,595)						(2,595)
Forfeiture of restricted stock								34						(34)						—
Amortization of restricted stock								205												205
Stock options expense								46												46
Cash dividends⁽¹⁾											(1,827)									(1,827)

Balance at December 31, 2025		6,414,751		$	183		$	99,434		$	213,693		$	(185,836)		$	17		$	127,491

(1)	Cash dividends of $0.28 per share were paid during the six months ended December 31, 2025.


															Accumulated
															Other
		Common					Additional								Comprehensive
		Stock					Paid-In			Retained			Treasury		(Loss) Income,
		Shares		Amount			Capital			Earnings			Stock		Net of Tax		Total
Balance at June 30, 2024		6,847,821		$	183		$	98,532		$	209,914		$	(178,685)	$	(3)	$	129,941

Net income											2,772							2,772
Other comprehensive income																18		18
Purchase of treasury stock⁽¹⁾		(165,955)												(2,494)				(2,494)
Distribution of restricted stock		23,825																—
Awards of restricted stock								(91)						91				—
Forfeiture of restricted stock								6						(6)				—
Amortization of restricted stock								266										266
Stock options expense								34										34
Cash dividends⁽²⁾											(1,907)							(1,907)

Balance at December 31, 2024		6,705,691		$	183		$	98,747		$	210,779		$	(181,094)	$	15	$	128,630

(1)	Includes 8,758 shares acquired upon vesting of restricted stock in settlement of employees' withholding tax obligations.

(2)	Cash dividends of $0.28 per share were paid during the six months ended December 31, 2024.

The accompanying notes are an integral part of these condensed consolidated financial statements.

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PROVIDENT FINANCIAL HOLDINGS, INC.

Condensed Consolidated Statements of Cash Flows

(Unaudited - In Thousands)


	Six Months Ended
	December 31,
	2025		2024
Cash flows from operating activities:
Net income	$	3,117	$	2,772
Adjustments to reconcile net income to net cash provided by operating activities :
Depreciation and amortization		1,832		1,816
Recovery of credit losses		(784)		(111)
Net unrealized loss (gain) on other equity investments		9		(110)
Stock-based compensation		251		300
Provision for deferred income taxes		124		351
Decrease in accounts payable, accrued interest and other liabilities		(1,512)		(1,992)
Decrease (increase) in prepaid expenses and other assets		678		(143)
Net cash provided by operating activities		3,715		2,883

Cash flows from investing activities:
Net decrease (increase) in loans held for investment		8,006		(1,251)
Principal payments from investment securities - held to maturity		10,363		10,956
Principal payments from investment securities - available for sale		202		125
Purchase of premises and equipment		(231)		(188)
Net cash provided by investing activities		18,340		9,642

Cash flows from financing activities:
Net decrease in deposits		(16,338)		(20,833)
Proceeds from long-term borrowings		54,000		62,000
Repayments of long-term borrowings		(46,015)		(20,000)
Repayments of short-term borrowings, net		(8,000)		(35,000)
Treasury stock purchases		(2,595)		(2,494)
Withholding taxes on stock-based compensation		—		(128)
Cash dividends		(1,827)		(1,907)
Net cash used for financing activities		(20,775)		(18,362)

Net increase (decrease) in cash and cash equivalents		1,280		(5,837)
Cash and cash equivalents at beginning of period		53,090		51,376
Cash and cash equivalents at end of period	$	54,370	$	45,539
Supplemental information:
Cash paid for interest	$	10,751	$	11,340
Cash paid for income taxes	$	1,280	$	1,331

The accompanying notes are an integral part of these condensed consolidated financial statements.

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PROVIDENT FINANCIAL HOLDINGS, INC.

Notes to Unaudited Interim Condensed Consolidated Financial Statements

December 31, 2025

Note 1: Basis of Presentation

The unaudited interim condensed consolidated financial statements included herein reflect all adjustments which are, in the opinion of management, necessary to present a fair statement of the results of operations for the interim periods presented. All such adjustments are of a normal, recurring nature. The condensed consolidated statement of financial condition at June 30, 2025 is derived from the audited consolidated financial statements of Provident Financial Holdings, Inc. and its wholly-owned subsidiary, Provident Savings Bank, F.S.B. (the "Bank") (collectively, the "Corporation"). Certain information and note disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP") have been omitted pursuant to the rules and regulations of the United States Securities and Exchange Commission ("SEC") with respect to interim financial reporting. It is recommended that these unaudited interim condensed consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s Annual Report on Form 10-K for the fiscal year ended June 30, 2025 (“2025 Annual Form 10-K”). The results of operations for the quarter and six months ended December 31, 2025 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2026.

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Note 2: Accounting Standard Updates (“ASU”)

ASU 2025-08:

In November 2025, the Financial Accounting Standards Board (“FASB”) issued ASU 2025-08 to update ASC 326: Financial Instruments – Credit Losses to address concerns regarding complexity and lack of comparability in the accounting for purchased loans under the current credit loss standard (Topic 326). This ASU removes the previous distinction in accounting between purchased credit-deteriorated (“PCD”) assets and non-PCD assets by applying the gross-up accounting method; formerly used only for PCD assets, to most acquired loans. These loans will now be designated as purchased seasoned loans (“PSLs”). This change eliminates the Day-1 credit loss expense on PSLs, which the industry considered a double-count of expected losses on acquired performing loans, by recognizing expected credit losses at acquisition without immediate impact to earnings. This new guidance is effective for annual reporting periods beginning after December 15, 2026, including interim periods within those fiscal years. Early adoption is permitted in an interim or annual reporting period in which financial statements have not yet been issued or made available for issuance. If an entity adopts the amendments in an interim reporting period, it should apply the amendments as of the beginning of that interim reporting period or the beginning of the annual reporting period that includes that interim reporting period. The Corporation is in the process of reviewing the impact of this ASU and has not yet determined the impact of the adoption of this ASU on its consolidated financial statements.

ASU 2024-03:

In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. This ASU 2024-03 requires public business entities (“PBEs”) to disclose disaggregated information about specific natural expense categories underlying certain income statement expense line items that are considered relevant expense captions because they include one or more of the five natural expense categories identified in this ASU. Such disclosures must be made on an annual and interim basis in a tabular format in the footnotes to the financial statements. The ASU requires entities to disaggregate any relevant expense caption presented on the face of the income statement within continuing operations into the following required natural expense categories, as applicable: (1) purchases of inventory, (2) employee compensation, (3) depreciation, (4) intangible asset amortization, and (5) depreciation, depletion and amortization recognized as part of oil- and gas-producing activities or other depletion expenses. This ASU does not change the expense captions an entity presents on the face of the income statement; rather, it requires disaggregation of certain expense captions into specified categories in disclosures within the footnotes to the financial statements. This ASU is effective for all PBEs for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. The Corporation is in the process of reviewing the impact of this ASU and has not yet determined the impact of the adoption of this ASU on its consolidated financial statements.

ASU 2023-09:

In December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. This ASU requires PBEs to annually (a) disclose specific categories in the rate reconciliation and (b) provide additional information for reconciling items that meet a quantitative threshold of equal to or greater than five percent of the amount computed by multiplying pretax income or loss by the applicable statutory income tax rate. This ASU is effective for annual periods beginning after December 15, 2024. Early adoption is permitted. The Corporation is in the process of reviewing the impact of this ASU and has not yet determined the impact of the adoption of this ASU on its consolidated financial statements.

Note 3: Earnings Per Share

Basic earnings per share (“EPS”) excludes dilution and is computed by dividing income available to common shareholders by the weighted-average number of shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that would then share in the earnings of the Corporation.

As of December 31, 2025 and 2024, there were outstanding stock options to purchase 229,000 shares and 223,000 shares of the Corporation’s common stock, respectively. As of December 31, 2025 and 2024, there were 89,000 and 95,000 outstanding stock options, respectively, excluded from the diluted EPS computation as their effect was anti-dilutive. As of

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December 31, 2025 and 2024, there were outstanding restricted stock awards of 140,900 shares and 162,200 shares, respectively.

The following table provides the basic and diluted EPS computations for the quarters and six months ended December 31, 2025 and 2024, respectively.


	For the Quarter Ended				For the Six Months Ended
	December 31,				December 31,
(In Thousands, Except Earnings Per Share)	2025		2024		2025		2024
Numerator:
Net income – numerator for basic earnings per share and
diluted earnings per share - available to common
stockholders	$	1,436	$	872	$	3,117	$	2,772

Denominator:
Denominator for basic earnings per share:
Weighted-average shares		6,462		6,745		6,514		6,789

Less effect of dilutive shares:
Stock options		12		13		10		6
Restricted stock		57		35		54		33

Denominator for diluted earnings per share:
Adjusted weighted-average shares and assumed
conversions		6,531		6,793		6,578		6,828

Basic earnings per share	$	0.22	$	0.13	$	0.48	$	0.41
Diluted earnings per share	$	0.22	$	0.13	$	0.47	$	0.41

Note 4: Investment Securities

The amortized cost and estimated fair value of investment securities as of December 31, 2025 and June 30, 2025 were as follows:


					Gross			Gross			Estimated
		Amortized			Unrealized			Unrealized			Fair			Carrying
December 31, 2025		Cost			Gains			(Losses)			Value			Value
(In Thousands)
Held to maturity
U.S. government sponsored enterprise MBS⁽¹⁾		$	94,281		$	144		$	(8,197)		$	86,228		$	94,281
U.S. government sponsored enterprise CMO⁽²⁾			4,404			18			(56)			4,366			4,404
U.S. SBA securities⁽³⁾			214			—			(2)			212			214
Total investment securities - held to maturity			98,899			162			(8,255)			90,806			98,899

Available for sale
U.S. government agency MBS⁽¹⁾			932			11			—			943			943
U.S. government sponsored enterprise MBS⁽¹⁾			378			9			—			387			387
Private issue CMO⁽²⁾			74			—			—			74			74
Total investment securities - available for sale			1,384			20			—			1,404			1,404
Total investment securities		$	100,283		$	182		$	(8,255)		$	92,210		$	100,303

(1)Mortgage-Backed Securities (“MBS”)

(2)Collateralized Mortgage Obligations (“CMO”)

(3)Small Business Administration (“SBA”)

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					Gross			Gross			Estimated
		Amortized			Unrealized			Unrealized			Fair			Carrying
June 30, 2025		Cost			Gains			(Losses)			Value			Value
(In Thousands)
Held to maturity
U.S. government sponsored enterprise MBS		$	104,549		$	127		$	(10,305)		$	94,371		$	104,549
U.S. government sponsored enterprise CMO			4,525			14			(108)			4,431			4,525
U.S. SBA securities			325			—			(1)			324			325
Total investment securities - held to maturity			109,399			141			(10,414)			99,126			109,399

Available for sale
U.S. government agency MBS			1,072			10			—			1,082			1,082
U.S. government sponsored enterprise MBS			436			10			—			446			446
Private issue CMO			79			—			—			79			79
Total investment securities - available for sale			1,587			20			—			1,607			1,607
Total investment securities		$	110,986		$	161		$	(10,414)		$	100,733		$	111,006

In the second quarter of fiscal 2026 and 2025, the Corporation received MBS principal payments of $5.1 million and $5.3 million, respectively, and there were no purchases or sales of investment securities during both periods.

For the first six months of fiscal 2026 and 2025, the Corporation received MBS principal payments of $10.6 million and $11.1 million, respectively, and there were no purchases or sales of investment securities during these periods.

The Corporation held investments with an unrealized loss position of $8.3 million at December 31, 2025 and $10.4 million at June 30, 2025 as follows:


As of December 31, 2025		Unrealized Holding Losses						Unrealized Holding Losses						Unrealized Holding Losses
(In Thousands)		Less Than 12 Months						12 Months or More						Total
		Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
Description of Securities		Value			Losses			Value			Losses			Value			Losses
Held to maturity
U.S. government sponsored enterprise MBS		$	—		$	—		$	82,396		$	8,197		$	82,396		$	8,197
U.S. government sponsored enterprise CMO			—			—			3,365			56			3,365			56
U.S. SBA securities			—			—			212			2			212			2
Total investment securities - held to maturity			—			—			85,973			8,255			85,973			8,255

Available for sale
U.S government agency MBS			31			—			13			—			44			—
Private issue CMO			—			—			16			—			16			—
Total investment securities - available for sale			31			—			29			—			60			—
Total investment securities		$	31		$	—			86,002		$	8,255		$	86,033		$	8,255

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As of June 30, 2025		Unrealized Holding Losses						Unrealized Holding Losses						Unrealized Holding Losses
(In Thousands)		Less Than 12 Months						12 Months or More						Total
		Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
Description of Securities		Value			Losses			Value			Losses			Value			Losses
Held to maturity
U.S. government sponsored enterprise MBS		$	—		$	—		$	90,022		$	10,305		$	90,022		$	10,305
U.S. government sponsored enterprise CMO			—			—			3,435			108			3,435			108
U.S. SBA securities			324			1			—			—			324			1
Total investment securities - held to maturity			324			1			93,457			10,413			93,781			10,414

Available for sale
U.S government agency MBS			37			—			13			—			50			—
Private issue CMO			—			—			17			—			17			—
Total investment securities - available for sale			37			—			30			—			67			—
Total investment securities		$	361		$	1		$	93,487		$	10,413		$	93,848		$	10,414

On a quarterly basis, the Corporation evaluates the allowance for credit losses for its investment securities held to maturity and the credit losses for its investment securities held for sale based on Accounting Standards Codification (“ASC”) 326, “Financial Instruments – Credit Losses.” At December 31, 2025, all of the $8.3 million of unrealized holding losses were in a loss position for 12 months or more; while at June 30, 2025, all $10.4 million of unrealized holding losses were in a loss position for 12 months or more, except $1,000 of unrealized holding losses that were in a loss position for less than 12 months. The unrealized losses on investment securities were attributable to changes in interest rates relative to when the investment securities were purchased and not due to the credit quality of the investment securities, which are predominately U.S. government sponsored enterprise securities that are either explicitly or implicitly guaranteed by the U.S. government and have a long history of no credit losses. Therefore, the Corporation has determined that the unrealized losses are due to the fluctuating nature of interest rates, and not related to any potential credit risks within the investment portfolio. The Bank does not currently intend to sell any investment securities classified as held to maturity recorded at amortized cost or available for sale recorded at fair market value as prescribed by GAAP. As part of the Corporation’s monthly risk assessment, the Corporation prepares a number of stressed liquidity scenarios to determine if it is more likely than not that the Bank will be required to sell the investment securities before the recovery of its amortized cost basis. The results of these liquidity scenarios support the Corporation’s assessment that the Corporation has the ability to hold these held to maturity securities until maturity or available for sale securities until recovery of the amortized cost is realized and it is not more likely than not that the Corporation will be required to sell the securities prior to recovery of the amortized cost. There was no allowance for credit losses (“ACL”) on investment securities held to maturity and there was no impairment of investment securities available for sale at December 31, 2025 and June 30, 2025.

In order to maintain adequate liquidity, the Bank has established borrowing facilities with various counterparties. As of December 31, 2025, the Bank had a remaining borrowing capacity of $213.1 million at the FHLB of San Francisco and an estimated $193.3 million discount window facility at the FRB of San Francisco. In addition, the Bank also has an unsecured borrowing arrangement in the form of a federal funds facility with its correspondent bank for $50.0 million. The Bank had no advances under the Federal Reserve discount window or correspondent bank facility as of December 31, 2025. The total remaining available borrowing capacity across all sources totaled approximately $456.4 million at December 31, 2025.

At June 30, 2025, the Bank had a remaining borrowing capacity of $282.3 million at the FHLB of San Francisco and an estimated $142.5 million discount window facility at the FRB of San Francisco. In addition, the Bank also had an unsecured borrowing arrangement in the form of a federal funds facility with its correspondent bank for $50.0 million. The Bank had no advances under the Federal Reserve discount window or the correspondent bank facility as of June 30, 2025. The total remaining available borrowing capacity across all sources totaled approximately $474.8 million at June 30, 2025.

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Contractual maturities of investment securities as of December 31, 2025 and June 30, 2025 were as follows:


		December 31, 2025						June 30, 2025
					Estimated						Estimated
		Amortized			Fair			Amortized			Fair
(In Thousands)		Cost			Value			Cost			Value
Held to maturity
Due in one year or less		$	152		$	150		$	69		$	68
Due after one through five years			17,682			16,951			4,921			4,760
Due after five through ten years			49,505			45,779			40,773			38,224
Due after ten years			31,560			27,926			63,636			56,074
Total investment securities - held to maturity			98,899			90,806			109,399			99,126

Available for sale
Due in one year or less			—			—			—			—
Due after one through five years			—			—			—			—
Due after five through ten years			1,288			1,307			1,483			1,501
Due after ten years			96			97			104			106
Total investment securities - available for sale			1,384			1,404			1,587			1,607
Total investment securities		$	100,283		$	92,210		$	110,986		$	100,733

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Note 5: Loans Held for Investment

Loans held for investment, net of fair value adjustments, consisted of the following:


	December 31,		June 30,
(In Thousands)	2025		2025
Mortgage loans:
Single-family	$	553,311	$	544,425
Multi-family		408,289		423,417
Commercial real estate		70,942		72,766
Construction		812		402
Other		88		89
Commercial business loans		22		1,267
Consumer loans		58		57
Total loans held for investment, gross		1,033,522		1,042,423

Advance payments of escrows		196		293
Deferred loan costs, net		9,571		9,453
ACL on loans		(5,634)		(6,424)
Total loans held for investment, net	$	1,037,655	$	1,045,745

The following table sets forth information at December 31, 2025 regarding the dollar amount of loans held for investment that are contractually repricing during the periods indicated, segregated between adjustable rate loans and fixed rate loans. At both December 31, 2025 and June 30, 2025, fixed rate loans comprised 10 percent of loans held for investment. Adjustable rate loans that reprice when the index they are tied to reprices (e.g. prime rate index) and checking account overdrafts are reported as repricing within one year. The table does not include any estimate of prepayments which may cause the Corporation’s actual repricing experience to differ materially from that shown.


		Adjustable Rate
					After			After			After
			Within		One Year			3 Years			5 Years
(In Thousands)		One Year			Through 3 Years			Through 5 Years			Through 10 Years			Fixed Rate			Total
Mortgage loans:
Single-family		$	51,057		$	74,378		$	122,473		$	200,087		$	105,316		$	553,311
Multi-family			220,982			122,349			61,380			3,488			90			408,289
Commercial real estate			27,461			34,266			8,849			—			366			70,942
Construction			812			—			—			—			—			812
Other			—			—			—			—			88			88
Commercial business loans			—			—			—			—			22			22
Consumer loans			58			—			—			—			—			58
Total loans held for investment, gross		$	300,370		$	230,993		$	192,702		$	203,575		$	105,882		$	1,033,522

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The following tables present the Corporation’s commercial real estate loans by property types and loan-to-value ( “LTV”) ratio as of December 31, 2025 and June 30, 2025:


		Owner		Non-Owner			% of Total			Weighted
December 31, 2025		Occupied Loan		Occupied Loan		Total		Commercial		Average
(Dollars in Thousands)	Balance			Balance		Balance	Real Estate			LTV ⁽¹⁾
Office	$	5,226	$	18,537	$	23,763		33	%	39	%
Mixed use⁽²⁾		272		15,410		15,682		22		34	%
Retail		—		8,333		8,333		12		33	%
Warehouse		1,312		7,175		8,487		12		29	%
Medical/dental office		2,485		3,782		6,267		9		41	%
Mobile home park		—		6,678		6,678		9		37	%
Restaurant/fast food		675		491		1,166		2		45	%
Automotive - non gasoline		—		566		566		1		26	%
Total commercial real estate	$	9,970	$	60,972	$	70,942		100	%	36	%

(1)Current loan balance as a percentage of the original appraised value.

(2)	Mixed use includes $6.3 million in Office/Retail, $5.8 million in Multi-family/Retail, $2.4 million in Other Mixed Use, $732 thousand in Multi-family/Commercial and $385 thousand in Multi-family/Office.

Owner

Non-Owner

% of Total

Weighted

June 30, 2025

Occupied Loan

Total

Commercial

Average

(Dollars in Thousands)

Balance

Real Estate

LTV ⁽¹⁾

Office

5,666

19,895

PROVIDENT FINANCIAL HOLDINGS INC 10-Q