BV Financial, Inc.
For the period ended Jun 30, 2026. Filed Aug 12, 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.
Jun 30, 2026 · Filed Aug 12, 2026
BVFL$21.27-3.0%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Cash Flows
| Six Months Ended June 30, | ||
|---|---|---|
| (dollars in thousands) | 2026 | 2025 |
| Cash flows from operating activities | ||
| Net income | $4,553 | $4,960 |
| Adjustments to reconcile net income to net cash provided by operating activities | ||
| Net amortization (accretion) of discounts and premiums | 26 | (315) |
| (Recovery) provision of credit losses | (227) | 475 |
| Proceeds received on foreclosed real estate | — | 2 |
| Accretion of deferred loan fees/costs | 3 | (59) |
| Amortization of intangible assets | 90 | 90 |
| Amortization of debt issuance costs | — | 78 |
| Depreciation of premises and equipment | 387 | 398 |
| Deferred tax expense (benefit) | 23 | (512) |
| Increase in cash surrender value of life insurance | (202) | (201) |
| Stock-based compensation expense | 1,390 | 2,437 |
| ESOP compensation expense | 99 | 91 |
| Decrease in accrued interest and other assets | 459 | 228 |
| Increase in other liabilities | 1,519 | 1,536 |
| Net cash provided by operating activities | 8,120 | 9,208 |
| Cash flows from investing activities | ||
| (Increase) decrease in equity trading account | (1) | 15 |
| Proceeds from maturities and principal payments of investment securities available for sale | 12,667 | 9,683 |
| Purchases of investment securities available for sale | (11,750) | (7,225) |
| Proceeds from maturities and principal payments of investment securities held to maturity | 90 | 148 |
| Decrease (increase) in loans | 44,327 | (13,495) |
| Purchase of premises and equipment | (117) | (356) |
| Proceeds from sale of Federal Home Loan Bank of Atlanta stock | 1,663 | 1,014 |
| Purchase of Federal Home Loan Bank of Atlanta stock | — | (304) |
| Net cash provided by (used in) investing activities | 46,879 | (10,520) |
| Cash flows provided from financing activities | ||
| Net (decrease) increase in deposits | (204) | 7,400 |
| Advances from the Federal Home Loan Bank of Atlanta | — | 6,000 |
| Repayment of advances from the Federal Home Loan Bank of Atlanta | (35,000) | (21,000) |
| Repurchase of shares | (6,598) | (5,265) |
| Net cash used in financing activities | (41,802) | (12,865) |
| Net increase in cash and cash equivalents | 13,197 | (14,177) |
| Cash and cash equivalents at beginning of period | 55,705 | 70,500 |
| Cash and cash equivalents at end of period | $68,902 | $56,323 |
| Supplementary cash flows information | ||
| Interest paid | $5,430 | $6,049 |
| Income taxes paid | $2,037 | $1,368 |
| Supplementary noncash transactions | ||
| Noncash investing and financing activities: | ||
| Net change on equity investments | $— | $— |
| Net change on available for sale securities | 65 | (243) |
| Net change on loans | — | (98) |
| Deferred tax assets | (18) | 102 |
| Net change in adjusted other comprehensive income | (47) | 269 |
See notes to consolidated financial statements. 6
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