BV Financial, Inc.

3.1 Amended and Restated Articles of Incorporation of BV Financial, Inc. (incorporated by reference to

Exhibit 3.1 to the Company’s Registration Statement on Form 8-A (Commission File No. 001-41764),

filed on July 31, 2023)

3.2 Amended and Restated Bylaws of BV Financial, Inc. (incorporated by reference to Exhibit 3.2 to the

Company’s Registration Statement on Form S-1, as amended (Commission File No. 333-270496), filed on

4.1 Form of Common Stock Certificate of BV Financial, Inc. (incorporated by reference to Exhibit 4 the

Company’s Registration Statement on Form S-1, as amended (Commission File No. 333-270496), filed on

4.2 Description of BV Financial, Inc.’s Securities (incorporated by reference to Exhibit 4.2 to the Company's Annual Report on Form 10-K for the year ended December 31, 2023 (Commission File No. 001-41764), as filed on March 22, 2024)

10.1*Employment Agreement between BayVanguard Bank, BV Financial, Inc., Bay-Vanguard, M.H.C. and

David M. Flair (incorporated by reference to Form 8-K as filed on January 23, 2026)

10.2*Employment Agreement between BayVanguard Bank, BV Financial, Inc., Bay-Vanguard, M.H.C. and

Timothy L. Prindle (incorporated by reference to Exhibit 10.2 to the Company’s Registration Statement on

Form S-1, as amended (Commission File No. 333-270496), as filed on March 13, 2023)

10.3*Change in Control Agreement between BayVanguard Bank and Michael J. Dee (incorporated by reference

to Exhibit 10.3 to the Company’s Registration Statement on Form S-1, as amended (Commission File No. 333-270496), as filed on March 13, 2023)

10.4*Salary Continuation Agreement between BayVanguard Bank and David M. Flair (incorporated by

reference to Exhibit 10.4 to the Company’s Registration Statement on Form S-1, as amended (Commission

File No. 333-270496), as filed on March 13, 2023)

10.5*Salary Continuation Agreement between BayVanguard Bank and Timothy L. Prindle (incorporated by

reference to Exhibit 10.5 to the Company’s Registration Statement on Form S-1, as amended (Commission

File No. 333-270496), as filed on March 13, 2023)

10.6*Split Dollar Agreement for David M. Flair (incorporated by reference to Exhibit 10.6 to the Company’s

10.7*BV Financial, Inc. 2017 Equity Incentive Plan (incorporated by reference to Exhibit 10.7 to the Company’s

10.8*BV Financial, Inc. 2021 Equity Incentive Plan (incorporated by reference to Exhibit 10.8 to the Company’s

10.9*Amended and Restated Supplemental Director Retirement Agreement with Brian K. McHale (incorporated

by reference to Exhibit 10.9 to the Company’s Registration Statement on Form S-1, as amended (Commission File No. 333-270496), as filed on March 13, 2023)

10.10*BV Financial Inc. 2024 Equity Incentive Plan (incorporated by reference to Appendix A to the Company's proxy statement for the 2024 Annual Meeting of Stockholders (Commission File No. 001-41764), as filed on August 1, 2024)

19.1 BV Financial, Inc. Insider Trading Policy (incorporated by reference to Exhibit 19.1 to the Company's Annual Report on Form 10-K for the year ended December 31, 2024 (Commission File No. 001-41764), as filed on March 27, 2025)

21 Subsidiaries of Registrant (incorporated by reference to Exhibit 21 to the Company's Annual Report on Form 10-K for the year ended December 31, 20204 (Commission File No. 001-41764), as filed on March 27, 2025)

23 Consent of Forvis Mazars, LLP

31.1 Certification of President and Chief Executive Officer pursuant to Rule 13a-14(a) of the Securities

Exchange Act of 1934, as amended, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

31.2 Certification of Chief Financial Officer pursuant to Rule 13a-14(a) of the Securities

Exchange Act of 1934, as amended, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

32 Certification of President and Chief Executive Officer and Chief Financial Officer pursuant to 18

U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

101 The following materials from the Company’s Annual Report on Form 10-K for the fiscal year ended

December 31, 2024, formatted in XBRL: (i) Balance Sheets, (ii) Statements of Income, (iii) Statements of

Comprehensive Income, (iv) Changes in Stockholders’ Equity, (v) Statements of Cash Flows and (vi)

Notes to the Financial Statements.

• Denotes a management contract or compensation plan or arrangement.