<span item_type="fundamental" item_id="3adfb9d88778f5b52a81950410bc2a56" counter_id="ST/US/BYFC" env="prod"></span><span item_type="announcement" item_id="544382449923981441" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD -0.02.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 854 K.</p><p></p><h3>Net Income</h3><ul><li>Consolidated net income before preferred dividends was $603 thousand for the second quarter of 2025, compared to $269 thousand for the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li><li>Net loss attributable to common stockholders was - $147 thousand during the second quarter of 2025, compared to net income of $269 thousand for the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Net Interest Margin</h3><ul><li>The net interest margin increased by 22 basis points to 2.63% for the second quarter of 2025, compared to 2.41% for the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Deposits</h3><ul><li>Total deposits increased by $53.5 million, or 7.2%, during the first six months of 2025 compared to December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Capital Ratios</h3><ul><li>Community Bank Leverage Ratio was 15.69% at June 30, 2025, compared to 13.96% at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Credit Quality</h3><ul><li>Non-accrual loans to total loans were at 0.42% and non-performing loans to total assets were at 0.36%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Borrowings</h3><ul><li>Borrowings were $69.2 million at June 30, 2025, compared to $195.5 million at December 31, 2024, a reduction of $126.3 million, or 64.6%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Non-interest Expense</h3><ul><li>Non-interest expense was $7.5 million for the second quarter of 2025, compared to $7.3 million for the second quarter of 2024, representing an increase of $242 thousand, or 3.3%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Income Tax</h3><ul><li>Income tax expense was $257 thousand for the second quarter of 2025 compared to $146 thousand for the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Total Assets</h3><ul><li>Total assets decreased by $76.3 million at June 30, 2025, compared to December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company remains focused on executing strategic goals and improving profitability to support growth in low-to-moderate income communities.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li><li>The CEO expressed optimism about building a stronger balance sheet and improving efficiency.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li><li>Forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from historical results.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_ex99-1.htm"></span></li></ul>

Broadway Financial | 8-K: FY2025 Q2 EPS: USD -0.02