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Midas Edge

PROVIDENT FINANCIAL HOLDINGS INC

For the period ended Jun 30, 2026. Filed Sep 2, 2026.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2026 · Filed Sep 2, 2026

PROV$18.18-0.1%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Average Balances, Interest and Average Yields/Costs

The following table sets forth certain information for the periods regarding average balances of assets and liabilities as well as the total dollar amounts of interest income from average interest-earning assets and interest expense on average interest-bearing liabilities and average yields and costs thereof. Yields and costs for the periods indicated are derived by dividing income or expense by the average daily balance of assets or liabilities, respectively, for the periods presented.

​​​​​​​​​​​​​​​​​​
​ · ​ · Year Ended June 30,
​ · ​ · 2026 · ​ · 2025 · ​
​ · ​ · Average · ​ · ​ · ​ · ​ · Yield/ · ​ · Average · ​ · ​ · ​ · ​ · Yield/ · ​
(Dollars In Thousands) · ​ · Balance · ​ · Interest · ​ · Cost · ​ · Balance · ​ · Interest · ​ · Cost · ​
Interest-earning assets:​ ​ ​​​​ ​ ​​​​ ​ ​​​ ​ ​​​​ ​ ​​​​ ​ ​​​ ​ ​
Loans receivable, net(1)​$1,036,180​$52,0245.02%$1,051,448​$52,5435.00%
Investment securities​100,966​1,6121.60%121,399​1,8581.53%
FHLB - San Francisco and other equity investments​10,302​1,09010.58%10,213​8458.27%
Interest-earning deposits​29,284​1,1633.92%28,990​1,3784.69%
​​​​​​​​​​​​​​​​​​
Total interest-earning assets​1,176,732​55,8894.75%1,212,050​56,6244.67%
​​​​​​​​​​​​​​​​​​
Noninterest-earning assets​30,700​​​​30,352​​​​
​​​​​​​​​​​​​​​​​​
Total assets​$1,207,432​​​​$1,242,402​​​​
​​​​​​​​​​​​​​​​​​
Interest-bearing liabilities:​​​​​​​​​​​
Checking and money market accounts(2)​$341,129​2070.06%$363,859​1900.05%
Savings accounts​227,020​8360.37%235,390​5000.21%
Time deposits​315,682​10,7783.41%282,489​10,5363.73%
​​​​​​​​​​​​​​​​​​
Total deposits(3)​883,831​11,8211.34%881,738​11,2261.27%
​​​​​​​​​​​​​​​​​​
Borrowings​180,041​7,7404.30%216,290​9,9294.59%
​​​​​​​​​​​​​​​​​​
Total interest-bearing liabilities​1,063,872​19,5611.84%1,098,028​21,1551.93%
​​​​​​​​​​​​​​​​​​
Noninterest-bearing liabilities​14,712​​​​13,710​​​​
​​​​​​​​​​​​​​​​​​
Total liabilities​1,078,584​​​​1,111,738​​​​
​​​​​​​​​​​​​​​​​​
Stockholders’ equity​128,848​​​​130,664​​​​
Total liabilities and stockholders’ equity​$1,207,432​​​​$1,242,402​​​​
​​​​​​​​​​​​​​​​​​
Net interest income​​​$36,328​​​​$35,469​​
​​​​​​​​​​​​​​​​​​
Interest rate spread(4)​​​​2.91%​​​2.74%
Net interest margin(5)​​​​3.09%​​​2.93%
Ratio of average interest- earning assets to average interest-bearing liabilities​​​​110.61%​​​110.38%
(1)Includes the average balance of non-performing loans of $1.0 million and $2.1 million, as well as net deferred loan costs of $1.9 million and $1.4 million for the fiscal years ended June 30, 2026 and 2025, respectively.
(2)Includes the average balance of noninterest-bearing checking accounts of $80.7 million and $88.2 million in the fiscal years ended June 30, 2026 and 2025, respectively.
(3)Includes the average balance of uninsured deposits of $166.8 million and $127.1 million in the fiscal years ended June 30, 2026 and 2025, respectively.
(4)Represents the difference between the weighted average yield on all interest-earning assets and the weighted average rate on all interest-bearing liabilities.
(5)Represents net interest income as a percentage of average interest-earning assets.
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.