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Investor Presentation Fourth Quarter Ended June 30, 2026
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1 This presentation contains statements that the Company believes are “forward-looking statements” within the meaningof the Private Securities Litigation Reform Act of 1995. These statements relate to the Company’s financial condition, liquidity, results of operations, plans, objectives, future performance or business. You should not place undue reliance on these statements as they are subject to various risks and uncertainties. When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements the Company may make. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to the Company. There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors which could cause actual results to differ materially from the results anticipated or implied by our forward-looking statements include, but are not limited to: adverse economic conditions in our local market areas orother markets where we have lending relationships; effectsof employment levels, labor shortages, persistent inflation, recessionary pressures or slowing economic growth; changes in interest rate levels and the duration of such changes, including actions by the Board of Governors of the Federal Reserve Board (the “Federal Reserve”), which could adversely affect our revenues and expenses, the value of assets and obligations, and the availability and cost of capital and liquidity; the impact of inflation and monetary and fiscal policy responses thereto, and their impact on consumer and business behavior; the effects of a Federal government shutdown, debt ceiling standoff, or other fiscal policy uncertainty; credit risks of lending activities, including loan delinquencies, write-offs, changes in our allowance for credit losses (“ACL”), and provision for credit losses; increased competitive pressures, including repricing and competitors’ pricing initiatives, and their impact on our market position, loan, and deposit products; quality and composition of our securities portfolio and the impact of adverse changes in the securities markets; fluctuations in deposits; secondary market conditions for loans and our ability to sell loans in the secondary market; liquidity issues, including our ability to borrow funds or raise additional capital, if necessary; expectations regarding key growth initiatives and strategic priorities; the impact ofbank failures or adverse developments at other banks and related negative press about the banking industry in general on investor and depositor sentiment; results of examinations of us by regulatory authorities, which may the possibility that any such regulatory authority may, among other things, institute a formal or informal enforcement action against us or our bank subsidiary which could require us to increase our ACL, write-down assets, change our regulatory capital positionor affect our ability to borrow funds or maintain or increasedeposits or impose additional requirements or restrictions on us, any of which could adversely affect our liquidity and earnings; the ability to adapt to rapid technological changes, including advancements in artificial intelligence, digital banking, and cybersecurity; legislative or regulatory changes, including but not limited to shifts in capital requirements, banking regulation, tax laws, or consumer protection laws; use of estimates in determining the fair value of assets, which may prove incorrect; vulnerabilities in information systems or third-party service providers, including disruptions, breaches, or attacks; geopolitical developments and international conflicts, including but not limited to tensions or instability in Eastern Europe, the Middle East, and Asia, or the imposition of new or increased tariffs andtrade restrictions, which may disrupt financial markets, global supply chains, energy prices, oreconomic activity in specific industry sectors; staffing fluctuations in response to product demand or corporate implementation strategies; our ability to pay dividends on our common stock; environmental, social and governance goals; effects of climate change, severe weather events, natural disasters, pandemics, epidemics and other public health crises, acts of war or terrorism, domestic political unrest and other external events; and other factors described in the Company’s latestAnnual Report on Form 10-K and Quarterly Reports on Form 10-Qand other reports filed with and furnished to the Securities and Exchange Commission (“SEC”), which are available on our website at www.myprovident.com and on the SEC’s website at www.sec.gov. We do not undertake and specifically disclaim any obligation to revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements whether as a result of new information, future events or otherwise. These risks could cause our actual results for fiscal 2027 and beyond to differ materially fromthose expressed in any forward-looking statements by, or onbehalf of us and could negatively affect our operating and stock price performance.
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2 Provident Financial Holdings, Inc. Nasdaq GS: PROV Share Price: $17.20 52-Week Range: $14.95 - $17.42 Shares Outstanding: 6,264,035 shares Market Capitalization: $107.7 million P/E (ttm): 16.7x Diluted EPS (ttm): $1.03 Annual Dividend & Yield: $0.56 (3.3%) As of June 30, 2026
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3 Largest independent community bank headquartered in Riverside County, California Expanding customer base and market 11th largest deposit market share in Riverside County; 2nd largest deposit market share among community banks Provident Bank Offices: Blythe Corona Hemet Moreno Valley Rancho Mirage Redlands Sun City Temecula Riverside: Canyon Crest Home Office Downtown La Sierra Orangecrest
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Operating Expenses and Efficiency Ratio 4 Developments (sequential quarter) Net Interest Income (NII) and Net Interest Margin (NIM) Net Income increased approximately 61% Pre-Provision, Pre-Tax Income increased approximately 27% $95,000 recovery of credit losses vs. $326,000 provision for credit losses Net Interest Margin increased eight basis points to 3.21% Net Interest Income increased approximately 2% Non-Interest Income increased approximately 80% Operating Expenses increased approximately 1% Pre-Provision, Pre-Tax Income $9.2 $8.9 $8.9 $8.9 $9.2 $9.3 3.02% 2.94% 3.00% 3.03% 3.13% 3.21% 2.00% 2.50% 3.00% 3.50% 4.00% $5.0 $6.0 $7.0 $8.0 $9.0 $10.0 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 NII (In Millions) NIM $2.3 $2.1 $2.1 $1.9 $2.2 $2.8 $0.0 $0.5 $1.0 $1.5 $2.0 $2.5 $3.0 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Pre-Provision, Pre-Tax Income (In Millions) $7.9 $7.6 $7.6 $7.9 $7.6 $7.7 60% 65% 70% 75% 80% 85% 90% 95% 100% $0.0 $2.0 $4.0 $6.0 $8.0 $10.0 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Operating Expenses (In Millions) Efficiency Ratio
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5 Net Income and Earnings Per Share (EPS) Return on Equity (ROE) and Return on Assets (ROA) $1.9 $1.6 $1.7 $1.4 $1.4 $2.2 $0.28 $0.24 $0.25 $0.22 $0.21 $0.35 $- $0.05 $0.10 $0.15 $0.20 $0.25 $0.30 $0.35 $0.40 $0.0 $1.0 $2.0 $3.0 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Net Income (In Millions) EPS 0.59% 0.53% 0.55% 0.47% 0.45% 0.73% 5.71% 5.01% 5.17% 4.44% 4.21% 6.85% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 ROA ROE
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6 Developments (sequential quarter) Loan to Investment Mix Loan Portfolio Mix Portfolio Loan Originations and Loan Principal Payments Loans Held for Investment increased slightly to $1.03 billion, while the weighted average rate increased 11 basis points to 5.31% at June 30, 2026 Total Deposits increased 2% to $910.4 million, while the weighted average rate increased 12 basis points to 1.43% at June 30, 2026 Total Borrowings decreased 15% to $157.0 million and the weighted average rate decreased nine basis points to 4.00% at June 30, 2026 Portfolio Loan Originations increased 5% while Loan Principal Payments decreased 15% in the quarter In Millions $1,059 $1,046 $1,042 $1,038 $1,030 $1,032 $115 $111 $105 $100 $95 $91 $600 $700 $800 $900 $1,000 $1,100 $1,200 03/31/25 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 In Millions Loans Held for Investment Investment Securities $28 $29 $30 $42 $44 $46 ($23) ($42) ($35) ($47) ($52) ($44) -60 -40 -20 0 20 40 60 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 In Millions Portfolio Originations Principal Payments $430 $423 $415 $408 $407 $396 $545 $544 $550 $553 $548 $566 $75 $73 $71 $71 $70 $67 $0 $100 $200 $300 $400 $500 $600 03/31/25 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 In Millions Muti-Family Single-Family Commercial Real Estate
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7 Loans Held for Investment (LHI) Composition Inland Empire (1) 20% Southern California (2) 42% Other California 38% Other States 0% Geographic Location (1) Comprised of Riverside and San Bernardino counties. (2) Other than Inland Empire. Loan Category (Dollar In Millions) Balance as of 06/30/26 Interest Rate Balance as of 06/30/25 Interest Rate Single-Family 565.9 $ 4.75% 544.4 $ 4. 69% Multi-Family 395.9 5.88% 423.4 5. 52% Commercial Real Estate 66.7 6.64% 72.8 6.59% Construction - - 0.4 9.17% Other mortgage - - 0.1 5.25% Commercial Business - - 1.3 9.59% Consumer 0.1 16.75% 0.1 17 .50% Total Loans Held for Investment 1,028.6 $ 5.31% 1,042.4 $ 5.16% Advance Payments of Escrows 0.1 $ 0.3 $ Deferred Loan Costs, net 9.8 9.5 Allowance for Credit Losses (5.9) (6.4) Total Loans Held for Investment, net 1,032.7 $ 1,045.7 $
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$591 $577 $566 $558 $569 $557 $310 $312 $309 $314 $324 $353 $216 $213 $213 $213 $184 $157 0 3 / 3 1 / 2 5 0 6 / 3 0 / 2 5 0 9 / 3 0 / 2 5 1 2 / 3 1 / 2 5 0 3 / 3 1 / 2 6 0 6 / 3 0 / 2 6 In Millions Transaction Accounts Time Deposits Borrowings 8 Funding Mix Balances and Cost of Funds Deposit Composition at 06/30/26 Borrowings Maturity Schedule (1) Includes uninsured deposits of approximately $178.6 million (of which, $61.2 million are collateralized) and $158.7 million (of which, $54.0 million are collateralized) at June 30, 2026 and 2025, respectively. (2) The average balance of deposit accounts was approximately $40 thousand and $37 thousand at June 30, 2026 and 2025, respectively. (1) The Bank had approximately $255.9 million and $282.3 million of remaining borrowing capacity at the FHLB – San Francisco, approximately $187.5 million and $142.5 million of borrowing capacity at the Federal Reserve Bank of San Francisco and $50.0 million and $50.0 million of borrowing capacity with its correspondentbank at June 30, 2026 and 2025, respectively. Checking Accounts - Non Interest-Bearing 10% Checking Accounts - Interest-Bearing 25% Savings Accounts 24% Money Market Accounts 2% Time Deposits 39% (Dollar In Millions) Remaining Maturity At 06/30/2026 Rate At 06/30/2025 Rat e Overnight - $ - 20.0 $ 4.64% Three Months or Less 25.0 4.45% 5 .0 5.33% Over Three to Six Months 15.0 4. 03% 54.0 5.03% Over Six to Twelve Months 72.0 3. 76% 84.0 4.39% Over One to Two Years 35.0 4.03% 3 5.0 4.35% Over Two to Three Years 10.0 4.51 % 5.1 4.22% Over Three to Four Years - - 10.0 4.51% Over Four to Five Years - - - - Over Five Years - - - - Total Borrowings (1) 157.0 $ 4.00% 213.1 $ 4.59% Category (Dollar In Millions) At 06/30/2026 Rate At 06 /30/2025 Rate Checking Accounts - Non Interest-Bearing 86.9 $ - % 83.6 $ - % Checking Accounts - Interest-Bearing 226.7 0.04% 240.6 0.04% Savings Accounts 223.1 0.50% 230.6 0.28% Money Market Accounts 20.5 0.48% 21 .7 0.32% Time Deposits 353.2 3.32% 312.3 3.56% Total Deposits (1) (2) 910.4 $ 1.43% 888.8 $ 1.34% Brokered CDs Included in time deposits above 161.4 $ 3.93% 131.0 $ 4.24%
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9 Developments Non-Performing Assets (NPA) and NPA Ratio Provision for (Recovery of) Credit Losses Net Charge-Offs (Recoveries) Non-Performing Assets to Total Assets Ratio was 0.04% at June 30, 2026 compared to 0.08% at March 31, 2026 (sequential quarter) $95,000 Recovery of Credit Losses in the quarter ended June 30, 2026 No REO Early-Stage Delinquencies remain at very low levels $1.4 $1.4 $1.9 $1.0 $1.0 $0.5 0.11% 0.11% 0.15% 0.08% 0.08% 0.04% 0.00% 0.20% $0 $1 $2 03/31/25 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 In Millions NPA NPA to Total Assets Ratio $(391) $(164) $(626) $(158) $326 $(95) $(1,000) $(750) $(500) $(250) $- $250 $500 $750 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 In Thousands $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 ($1) $0 $1 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 In Millions
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10 Allowance for Credit Losses (ACL) and ACL Ratio ACL Allocation as of 06/30/26 Delinquent and Non-Performing Loans Non-Performing Asset Composition 06/30/26 $6.6 $6.4 $5.8 $5.6 $5.9 $5.9 0.62% 0.62% 0.56% 0.55% 0.58% 0.57% -0.10% 0.10% 0.30% 0.50% 0.70% 0.90% 1.10% 1.30% 1.50% $0 $2 $4 $6 $8 03/31/2025 06/30/2025 09/30/2025 12/31/2025 03/31/2026 0 6/30/2026 ACL (In Millions) ACL to LHI Ratio Single-Family 91% Multi-Family 8% Commercial Real Estate 1% Other Loans 0% Single-Family 10% Multi-Family 90% Commercial Real Estate 0% Other Loans 0% Real Estate Owned 0% # of # of # of # of Loans Balance Loans Balance Loans Balance Loans Balance Mortgage Loans: Single-Family - - $ 3 0.1 $ - - $ 7 0.9 $ Multi-Family - - 1 0.5 - - 1 0.5 Commercial Real Estate - - - - - - - - Construction - - - - - - - - Other - - - - - - - - Commercial Business Loans - - - - - - - - Consumer Loans - - - - - - - - Total - - $ 4 0.5 $ - - $ 8 1.4 $ At June 30, 2026 At June 30, 2025 (Dollar In Millions) 30 - 89 Days Non-Performing 30 - 89 Days Non-performin g
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11 Developments Stock Repurchase Activity Bank Capital Ratio Strong Capital Ratios 3.3% cash dividend yield (as of June 30, 2026) Purchased approximately 90,000 shares of common stock in the fourth quarter of fiscal 2026 Outstanding Shares 9.85% 10.11% 9.55% 9.79% 9.98% 10.30% 19.01% 19.50% 18.19% 18.67% 19.01% 19.41% 20.03% 20.51% 19.09% 19.56% 19.96% 20.34% 03/31/25 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 Tier 1 Leverage CET1 and Tier 1 Risk-Based Capital Total Risk-Based Capital 51,869 76,104 66,707 96,260 91,532 89,974 79% 77% 80% 80% 81% 84% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% - 20,000 40,000 60,000 80,000 100,000 120,000 140,000 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Stock Repurchase (# of Shares) Stock Price to TBV Ratio 6.65 6.58 6.51 6.41 6.32 6.26 03/31/25 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 In Millions
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13 Single-Family – Loans Held for Investment Commercial RE – Loans Held for Investment Multi-Family – Loans Held for Investment (1) Current loan balance in comparison to the original appraised value. (2) At time of loan origination. (3) Riverside and San Bernardino counties. (4) Other than Inland Empire. (5) Other than Inland Empire and Southern California. (1) Current loan balance in comparison to the original appraised value. (2) At time of loan origination. (3) Riverside and San Bernardino counties. (4) Other than Inland Empire. (5) Other than Inland Empire and Southern California. (1) Current loan balance in comparison to the original appraised value. (2) At time of loan origination. (3) Riverside and San Bernardino counties. (4) Other than Inland Empire. (5) Other than Inland Empire and Southern California. (6) Comprised of the following: $21.2 million in Office; $14.7 million in Mixed Use ($6.2 million in Office/Retail, $5.2 million in Multi-Family/Retail, $724 thousand in Multi- Family/Commercial, $383 thousand in Multi-Family/Office and $2.2 million in Other Mixed Use); $9.2 million in Retail; $8.3 million in Warehouse; $6.1 million in Mobile Home Park; $5.5 million in Medical/Dental Office; $1.2 million in Restaurant/Fast Food; $562 thousand in Automotive – Non-Gasoline. (7) Consisting of $57.0 million or 85.4% in investment properties and $9.7 million or 14.6% in owner occupied properties. 2018 & Prior 2019 2020 2021 2022 2023 2024 2025 2026 YTD TOT AL (6) (7) Loan Balance (In Thousands) $10,689 $3,572 $3,162 $3,37 5 $22,168 $11,393 $4,965 $5,874 $1,533 $66,731 Weighted Avg. LTV (1) 38% 42% 29% 40% 35% 32% 30% 34% 42% 35% W. Avg. Debt Coverage Ratio (2) 1.80x 1.44x 1.88x 1.87x 1.70x 1.83x 3.14x 1.47x 1.30x 1.82x Weighted Avg. Age (In Years) 10.01 7.00 6.17 4.80 3.99 2.94 2.10 0.90 0.36 4.58 Weighted Avg. FICO (2) 761 749 724 770 774 776 771 764 723 766 Number of Loans 15 5 5 4 27 17 8 11 2 94 Geographic Breakdown (%) Inland Empire (3) 33% 49% 4% 28% 10% 4% 19% 25% 33% 18% Southern California (4) 63% 51% 65% 43% 55% 60% 56% 31% 67% 55% Other California (5) 4% 0% 31% 29% 35% 36% 25% 44% 0% 27% Other States 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Calendar Year of Origination 2018 & Prior 2019 2020 2021 2022 2023 2024 2025 2026 YTD TOT AL Loan Balance (In Thousands) $92,227 $31,621 $38,305 $73 ,075 $66,781 $23,035 $18,303 $29,591 $22,944 $395,882 Weighted Avg. LTV (1) 38% 40% 47% 46% 44% 35% 38% 54% 46% 43% W. Avg. Debt Coverage Ratio (2) 1.74x 1.65x 1.57x 1.76x 1.58x 1.83x 1.70x 1.40x 1.67x 1.67x Weighted Avg. Age (In Years) 10.93 7.05 6.07 5.00 4.06 3.06 1.96 0.90 0.27 5.66 Weighted Avg. FICO (2) 754 759 762 761 761 763 758 785 769 762 Number of Loans 174 42 42 95 86 32 26 34 24 555 Geographic Breakdown (%) Inland Empire (3) 18% 13% 20% 15% 6% 0% 4% 5% 9% 12% Southern California (4) 56% 74% 60% 46% 63% 59% 44% 52% 51% 56% Other California (5) 26% 13% 20% 39% 31% 41% 52% 43% 40% 32% Other States 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Calendar Year of Origination 2018 & Prior 2019 2020 2021 2022 2023 2024 2025 2026 YTD TOT AL Loan Balance (In Thousands) $33,262 $5,445 $13,533 $134 ,015 $182,176 $38,693 $29,851 $63,347 $65,608 $565,930 Weighted Avg. LTV (1) 45% 55% 58% 58% 65% 68% 62% 65% 64% 62% Weighted Avg. Age (In Years) 14.97 7.10 5.81 4.96 3.98 3.27 1.80 0.85 0.22 3.98 Weighted Avg. FICO (2) 738 754 750 764 766 770 777 768 774 765 Number of Loans 162 9 21 194 284 51 38 76 75 910 Geographic Breakdown (%) Inland Empire (3) 31% 18% 24% 41% 26% 19% 15% 15% 7% 25% Southern California (4) 54% 68% 31% 16% 32% 40% 38% 37% 30% 31% Other California (5) 15% 14% 45% 43% 42% 41% 47% 48% 63% 44% Other States 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Calendar Year of Origination
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14 Mortgage Loan Category Inland Empire (1) Southern California (2) Other California Other States Total (Dollars in Millions) Balance Percentage Balance Percentage Balance Percentage Balance Percentage Balance Percentage Single-Family 143.1 $ 25% 175.4 $ 31% 247.2 $ 44% 0.2 $ 0% 565.9 $ 100% Multi-Family 47.6 12% 222.3 56% 126.0 32% - 0% 395.9 100% Commercial Real Estate 11.9 18% 36.8 55% 18.0 27% - 0% 66.7 100% Construction - 0% - 0% - 0% - 0% - 0% Other - 0% - 0% - 0% - 0% - 0% Total 202.5 $ 20% 434.6 $ 42% 391.3 $ 38% 0. 2 $ 0% 1,028.5 $ 100% (1) Comprised of Riverside and San Bernardino counties. (2) Other than Inland Empire.