Broadway Financial Corporation · NASDAQ:BYFC
Broadway Financial — Q2 2026 Earnings Presentation
18 slides from Broadway Financial's earnings presentation, Jul 28, 2026
Slide 1: Second Quarter 2026 Earnings Presentation
July 28, 2026 Second Quarter 2026 Earnings Presentation
Slide 2: Cautionary Forward-Looking Statements
Cautionary Forward-Looking Statements This presentation is for informational purposes only and does not purport to include a complete discussion of the topics mentioned and should not be relied upon as a basis for making an investment decision in the Company’s securities. This presentation also incl
Slide 3: Corporate Overview & Geographic Footprint
Corporate Overview & Geographic Footprint In 2021, Broadway Financial Corporation (BYFC) located in Los Angeles, CA completed a merger with CFBanc Corporation located in | Branch and Corporate Office Locations Washington, D.C., with BYFC continuing as the surviving entity BYFC proudly serves com
Slide 4: Executive Management Team
Executive Management Team Brian Argrett Zack Ibrahim John Allen President & Chief Financial Chief Banking CEO Officer Officer 35+ Years of 20+ Years of 30+ Years of Experience Experience Experience CEO of City First Former Head of Former Regional Bank prior to the Corporate Finance at Ba
Slide 5: Q2 2026 Financial Summary
Q2 2026 Financial Summary Strong Fundamental Performance: Q2 2026 Pre-Provision Net Revenue of 1 $3.0MM up 404% YoY Strong Balance Sheet Growth: Total assets increased $138MM (10%) QoQ, 2 reflecting continued momentum in franchise growth Disciplined Expense Management: Non-Interest Expense is down 7
Slide 6: Stock Price & Valuations
Stock Price & Valuations | Stock Price ($) 9.66 7.25 7.26 7.40 7.26 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 | Stock Valuation ($) 14.65 11.66 12.17 12.00 12.28 12.12 12.10 11.95 12.11 11.97 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Book Value/ Share ($) Tangible Book Value/ Share ($) Price / Book Value Per
Slide 7: Key Financial Highlights
Key Financial Highlights Actuals Actuals Actuals ▲ vs ▲ vs Key Financial Highlights Q2 '26 Q1 '26 Q2 '25 Pr Qtr Pr Yr Balance Sheet ($MM) Gross Loan Balances $1,137 $1,069 $987 6% 15% Deposit Balances $1,115 $1,073 $799 4% 40% Investment Balance $327 $284 $178 15% 84% Total Assets $1,564 $1,426 $1,2
Slide 8: Second Quarter 2026 GAAP Financial Highlights
Second Quarter 2026 GAAP Financial Highlights | Net Income attributable to Broadway | Total Gross Loans ($MM) | Total Deposits ($MM) _Financial Corporation ($MM)1 1.2 1,137 1,115 1,073 1.0 1,069 799 0.8 987 2025Q2 2026Q1 2026Q2 2025Q2 2026Q1 2026Q2 2025Q2 2026Q1 2026Q2 | Community Bank Leverage | Ne
Slide 9: Deposits & Borrowings Portfolios
Deposits & Borrowings Portfolios | Total Deposits ($MM) & Loans to Deposits | FHLB & Repos ($MM) 123.5% 120.5% 111.8% 102.0% 2025 2025 2025 2026 2026 99.6% Q2 Q3 Q4 Q1 Q2 1,115 1,073 FHLB 60.0 107.5 72.0 0.0 94.0 918 849 799 Repos 63.8 76.1 80.8 81.2 81.9 Total 123.8 183.6 152.8 81.2 175.9 2025Q2 20
Slide 10: Loan Portfolio
Loan Portfolio | Total Gross Loans ($MM) | Loan Yields2 % 5.36% 1,137 1,069 1,023 1,026 987 5.20% 5.22% 5.19% 5.17% 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 | Loan Composition % | Highlights Other Purchased 1 2% Loans (GGL) QoQ total gross loans have increased by 13% $
Slide 11: Investment Securities
Investment Securities | Investment Portfolio Composition Unrealized Type % of Portfolio Book Yield Book Value ($M)1 Market Value ($M) Gain/Loss ($M) MBS (Fixed) 47% 3.87% 160,896 153,054 (7,841) CMO (Float) 24% 4.65% 79,750 79,822 72 Corporate Bonds 9% 6.17% 30,000 29,940 (60) CMO (Fixed) 8% 4.19% 2
Slide 12: Asset Quality
Asset Quality Stable NPA Trends were Offset by Higher Provision for Credit Losses and Increased Reserve Requirements | NPAs ($MM) and NPAs/Assets (%) | Provision for Credit Losses ($MM) and _Provision / Gross Loans (Annualized %) 1.01% 0.83% 0.80% 0.52% 0.71% 0.26% 0.44% 0.08% 0.02% 1.5 0.7 13.5 0.0
Slide 13: Net Interest Income
Net Interest Income | Net Interest Income ($MM) and Net Interest Margin (%) | Interest Expense ($MM) and Cost of Funds (%)1 2.75% 3.07% 3.11% 2.72% 3.06% 3.02% 2.65% 2.62% 2.91% 2.58% 8.3 9.1 9.5 8.6 8.7 7.8 7.6 7.2 7.2 6.6 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 Net In
Slide 14: Non-Interest Expense
Non-Interest Expense Disciplined Expense Management and Revenue Growth Accelerated Operating Efficiency, Improving the Adjusted Efficiency Ratio by 21% YoY | Adjusted Non-Interest Expense ($MM)1 | Adjusted Efficiency Ratio (%)1 8.2 8.0 93% 87% 7.5 7.5 80% 83% 7.3 72% 2025Q2 2025Q3 2025Q4 2026Q1 2026
Slide 15: Capital & Liquidity
Capital & Liquidity | Community Bank Leverage Ratio (%) | Liquidity Sources ($MM) 15.34% Source As of 6/30/26 14.56% 14.09% 14.06% Cash and Cash Equivalents 48.9 13.20% Market Value of Unpledged Securities 229.9 Available FHLB Advance Capacity 148.4 Available Fed Fund Lines of Credit 10.0 Total Esti
Slide 16: Appendix
- BROADWAY FINANCIAL CORPORATION Appendix
Slide 17: Quarterly Financial Summary
Quarterly Financial Summary END OF PERIOD DATE 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 BALANCE SHEET ($000) Total Net Loans 977,064 1,013,144 1,016,540 1,059,262 1,126,539 Total Securities 177,977 244,005 256,835 284,103 327,030 Total Assets 1,247,517 1,335,565 1,345,569 1,426,065 1,563,6
Slide 18: Reconciliation of Non-GAAP Information
Reconciliation of Non-GAAP Information Adj. Non-Interest Expense ($M) and Adj. Efficiency Ratio (%) 2026Q2 2026Q1 2025Q4 2025Q3 2025Q2 Non-Interest Expense 7,476 8,015 7,946 31,518 7,522 Add: Operational Recovery (Loss) - - 240 1,603 - Less: Goodwill Impairment - - - 25,858 - Adj. Non-Interest Expen