Financial insights of BYFC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Service charges	184	155
Grants	275	280
Other	1,293	1,119
Total non-interest income	1,752	1,554
Interest and fees on loans receivable	53,049	48,807
Interest on available-for-sale securities	6,412	7,034
Other interest income	1,821	6,368
Total interest income	61,282	62,209
Interest on deposits	19,930	13,183
Interest on borrowings	8,205	17,257
Total interest expense	28,135	30,440
Net interest income	33,147	31,769
Provision for credit losses	2,186	664
Net interest income after provision for credit losses	30,961	31,105
Compensation and benefits	18,838	17,562
Occupancy expense	2,037	1,858
Information services	3,011	2,763
Professional services	3,008	3,449
Supervisory costs	687	785
Corporate insurance	271	234
Amortization of core deposit intangible	315	336
Operational loss	100	-
Goodwill impairment	25,858	-
Other	3,058	2,907
Total non-interest expense	57,183	29,894
(loss) income before income taxes	-24,470	2,765
Income tax expense	338	814
Net (loss) income	-24,808	1,951
Less net (loss) income attributable to non-controlling interest	-13	25
Net (loss) income attributable to broadway financial corporation	-24,795	1,926
Less preferred stock dividends	3,000	1,567
Net (loss) income attributable to common stockholders	-27,795	359
Unrealized gains on securities available-for-sale arising during the period	7,260	3,232
Income tax effect	2,142	930
Other comprehensive income, net of tax	5,118	2,302
Comprehensive (loss) income	-22,677	2,661

Basic EPS	-3.23	0.04
Diluted EPS	-3.23	0.04
Basic Average Shares	8,595,254	8,459,460
Diluted Average Shares	8,595,254	8,638,660