PROVIDENT FINANCIAL HOLDINGS INC
For the period ended Mar 31, 2026. Filed May 7, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2026 · Filed May 7, 2026
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Loan Volume Activities
The following table provides details related to the volume of loan originations, sales and principal payments for the quarters and nine months indicated:
| | | | | | | | | | | | | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| · · For the Quarter Ended · · For the Nine Months Ended | ||||||||||||
| · · March 31, · · March 31, | ||||||||||||
| (In Thousands) · · 2026 · · 2025 · · 2026 · · 2025 | ||||||||||||
| Loans originated for sale: · · · · · · · · | ||||||||||||
| Wholesale originations | | $— | | $— | | $2,060 | | $3,355 | ||||
| Total loans originated for sale | | | — | | | — | | | 2,060 | | | 3,355 |
| | | | | | | | | | | | | |
| Loans sold: | | | | | | | | | | | | |
| Servicing retained | | | — | | | — | | | (2,060) | | | (3,355) |
| Total loans sold | | | — | | | — | | | (2,060) | | | (3,355) |
| | | | | | | | | | | | | |
| 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 | ||||
| | | | | | | | | | | | | |
| Loan principal payments | | (52,050) | | (22,980) | | (133,249) | | (91,351) | ||||
| (Decrease) increase in other items, net⁽¹⁾ | | (142) | | 472 | | 1,205 | | 4,075 | ||||
| | | | | | | | | | | | | |
| Net (decrease) increase in LHFI | | $(8,011) | | $5,377 | | $(16,101) | | $6,001 | ||||
| (1) | Includes net changes in undisbursed loan funds, deferred loan fees or costs, ACL, fair value of LHFI and advance payments of escrows. |
Multi-family loans originated for investment increased $16.4 million, or 104 percent, to $32.2 million in the first nine months of fiscal 2026 from $15.8 million in the same period last year, reflecting strategic initiatives implemented during fiscal 2026 to increase loan production and further leverage market opportunities. During the third quarter of fiscal 2026, multi-family originations totaled $13.8 million, up $9.7 million, or 238 percent, from $4.1 million in the same quarter last year. The increase in multi-family originations partly offset the decline in multi-family loan balances resulting from elevated principal payoff activity during the period.
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