# EDGAR Filing Document

**Accession Number:** 0001001171
**File Stem:** 0001140361-26-026086
**Filing Date:** 2026-6
**Character Count:** 26405
**Document Hash:** 7a9e873d6a7ee0dd02d6eb4d9043af8b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001140361-26-026086.hdr.sgml**: 20260623

**ACCESSION NUMBER**: 0001140361-26-026086

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20260617

**ITEM INFORMATION**: Submission of Matters to a Vote of Security Holders

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260623

**DATE AS OF CHANGE**: 20260623

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BROADWAY FINANCIAL CORP \DE\
- **CENTRAL INDEX KEY:** 0001001171
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 954547287
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-39043
- **FILM NUMBER:** 261110937

**BUSINESS ADDRESS:**
- **STREET 1:** 5055 WILSHIRE BLVD STE 500
- **CITY:** LOS ANGELES
- **STATE:** CA
- **ZIP:** 90036
- **BUSINESS PHONE:** 3236341700

**MAIL ADDRESS:**
- **STREET 1:** 5055 WILSHIRE BLVD STE 500
- **CITY:** LOS ANGELES
- **STATE:** CA
- **ZIP:** 90036

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### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

### FORM 8-K

#### CURRENT REPORT

#### Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

#### Date of Report (Date of earliest event reported): June 17, 2026

## BROADWAY FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| **Delaware**<br>| **001-39043**<br>| **95-4547287**<br>|
| (State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification No.) |

---

---

| | |
|:---|:---|
| **4601 Wilshire Boulevard, Suite 150, Los Angeles, CA** | **90010**  |
| (Address of principal executive offices) | (Zip Code) |

---

Registrant's telephone number, including area code: **(323) 634-1700**

#### NOT APPLICABLE
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| **Title of each class** | **Trading symbol(s)** | **Name of each exchange on which**<br> **registered** |
| Class A Common Stock, par value $0.01 per share (including attached preferred stock purchase rights) | BYFC<br>| Nasdaq Capital Market<br>|

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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| | |
|:---|:---|
| **Item 5.07** | **Submission of Matters to a Vote of Security Holders** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Broadway Financial Corporation (the "Company") Annual Meeting of Stockholders was held on June 17, 2026. Proxies for
 the meeting were solicited pursuant to Section 14(a) of the Securities Exchange Act of 1934 , as amended (the "Exchange Act"), and there was no solicitation in opposition to the Company's Board of Directors
 solicitations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Stockholders voted on the matters set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The nominees for election to the Company's Board of Directors set forth in Item 1 to the Company's Proxy Statement filed with the U.S. Securities and
 Exchange Commission on April 30, 2026 were elected to serve until the Annual Meeting of Stockholders to be held in the year 2029 or until their respective successors are duly elected and qualified, based on the following vote:

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| | | | |
|:---|:---|:---|:---|
| **Nominee** | **Votes For** | **Votes Withheld** | **Broker Non-Votes** |
| Brian E. Argrett | 2,599,102 | 84,212 | 1,010,675 |
| Mary Ann Donovan | 2,244,672 | 438,642 | 1,010,675 |
| Mary M. Hentges | 2,595,986 | 87,328 | 1,010,675 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The proposal to ratify on an advisory (non-binding) basis the appointment of Crowe LLP as the independent registered public accounting firm for the
 Company for its fiscal year ending December 31, 2026 was approved based upon the following votes:

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| | |
|:---|:---|
| Votes for approval | 3,551,552 |
| Votes against | 132,899 |
| Abstentions | 9,538 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The proposal to approve the Company's executive compensation on an advisory (non-binding) basis was approved based upon the following votes:

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| | |
|:---|:---|
| Votes for approval | 2,508,990 |
| Votes against | 164,287 |
| Abstentions | 10,037 |
| Broker Non-Votes | 1,010,675 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Our stockholders selected on an advisory (non-binding) basis the frequency of future advisory votes to approve the Company's executive
 compensation as set forth in the table below:

---

| | |
|:---|:---|
| Votes for 1 Year | 2,654,844 |
| Votes for 2 Years | 7,272 |
| Votes for 3 Years | 19,527 |
| Abstentions | 1,671 |
| Broker Non-Votes | 1,010,675 |

---

The Company has decided, consistent with the majority of the votes cast at the Annual Meeting of Stockholders, that future advisory votes to approve the Company's executive compensation be held annually.

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| | |
|:---|:---|
| **Item 7.01** | **Regulation FD Disclosure** |

---

Attached as Exhibit 99.1 to this report is the presentation for the Company's Annual Meeting of Stockholders held on June 17, 2026, which is posted as a presentation in the "Investor Relations" page of its website, www.cityfirstbank.com. The information contained in this Current Report on Form 8-K that is furnished as Exhibit 99.1 is incorporated herein solely for purposes of this Item 7.01 disclosure. Such presentation shall not be deemed "filed" for any purpose, including for the purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that Section. The information in this Item 7.01, as well as Exhibit 99.1, shall not be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act regardless of any general incorporation language in such filing.

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| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits.** |

---

---

| | |
|:---|:---|
| (d) | Exhibits |
| **[99.1](ef20076658_ex99-1.htm)** | Presentation dated June 17, 2026 |
| 104 | The cover page from this Current Report on Form 8-K, formatted in Inline XBRL (included as Exhibit 101). |

---

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#### SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | BROADWAY FINANCIAL CORPORATION | BROADWAY FINANCIAL CORPORATION |
| Date: June 23, 2026 | By: | /s/ Zack Ibrahim |
|  |  | Zack Ibrahim |
|  |  | Executive Vice President and |
|  |  | Chief Financial Officer |

---

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## Exhibit 99.1

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**Exhibit 99.1**<br>

<br> ![](ef20076658_ex99-1slide1.jpg)

Annual Meeting of Stockholders June 17, 2026

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![](ef20076658_ex99-1slide2.jpg)

Forward-looking statements in this presentation speak only as of the date of this presentation, and we undertake no obligation, and do not intend, to update these forward-looking statements to reflect events or circumstances occurring after the date of this presentation, except to the extent required by law. You are cautioned not to place undue reliance on these forward-looking statements. 2 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 includes "forward-looking statements" within the meaning of the safe harbor provisions of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements often include words such as "expect," "estimate," "project," "budget," "forecast," "anticipate," "intend," "plan," "may," "will," "could," "should," "believes," "predicts," "potential," "continue," and similar expressions, but the absence of such words or expressions does not mean a statement is not forward-looking. These forward-looking statements are subject to risks and uncertainties, including those identified below, which could cause actual future results to differ materially from historical results or from those anticipated or implied by such statements. The following factors, among others, could cause future results to differ materially from historical results or from those indicated by forward-looking statements included in this press release: (1) the level of demand for mortgage and commercial loans, which is affected by such external factors as general economic conditions, market interest rate levels, tax laws, and the demographics of our lending markets; (2) the direction and magnitude of changes in interest rates and the relationship between market interest rates and the yield on our interest-earning assets and the cost of our interest-bearing liabilities; (3) the rate and amount of loan losses incurred and projected to be incurred by us, increases in the amounts of our nonperforming assets, the level of our loss reserves and management's judgments regarding the collectability of loans; (4) changes in the regulation of lending and deposit operations or other regulatory actions, whether industry-wide or focused on our operations, including increases in capital requirements or directives to increase allowances for loan losses or make other changes in our business operations; (5) legislative or regulatory changes, including those that may be implemented by the current administration in Washington, D.C. and the Federal Reserve Board; (6) possible adverse rulings, judgments, settlements and other outcomes of litigation; (7) actions undertaken by both current and potential new competitors; (8) the possibility of adverse trends in property values or economic trends in the residential and commercial real estate markets in which we compete; (9) the effect of changes in general economic conditions; (10) the effect of geopolitical uncertainties; (11) the impact of health crises on our future financial condition and operations; (12) the impact of any volatility in the banking sector due to the failure of certain banks due to high levels of exposure to liquidity risk, interest rate risk, uninsured deposits and cryptocurrency risk; (13) the loss of our CDFI certification could potentially limit our grant income awards; and (14) other risks and uncertainties. All such factors are difficult to predict and are beyond our control. Additional factors that could cause results to differ materially from those described above can be found in our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K or other filings made with the SEC and are available on our website at http://www.cityfirstbank.com and on the SEC's website at http://www.sec.gov.

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![](ef20076658_ex99-1slide3.jpg)

3 Agenda About Broadway Financial Corporation Corporate Overview & Geographic Footprint Executive Management Team Value Proposition Banking on Impact 2021-2025 2025 Financial Performance Strategic Repositioning 2025 Key Financial Highlights Key Balance Sheet & Margin Metrics (GAAP) Loan & Deposit Composition Capital and Liquidity Key Profitability & Capital Metrics 2026 Strategic & Financial Update Our Customer Promise & Strategic Intent Appendix: Non-GAAP Financial Measures

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![](ef20076658_ex99-1slide4.jpg)

About Broadway Financial Corporation

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![](ef20076658_ex99-1slide5.jpg)

5 Corporate Overview & Geographic Footprint In 2021, Broadway Financial Corporation (BYFC) located in Los Angeles, CA completed a merger with CFBanc Corporation located in Washington, D.C., with BYFC continuing as the surviving entity BYFC proudly serves communities on both coasts, with branches in Washington, D.C. and Los Angeles, California A mission driven commercial bank with a focus on the benefit and economic empowerment of our customers and communities. BYFC exists to empower organizations and individuals with more limited access to traditional commercial finance and banking services BYFC operates as a certified B Corp and Public Benefit Corporation. City First Bank, N.A. operates as a certified Community Development Financial Institution (CDFI) As of December 31, 2025, BYFC had 98 full-time equivalent employees Ticker NASDAQ: BYFC Established 1946 (Broadway Federal Bank) 1995 (Broadway Financial Corporation) Headquarters Washington, D.C. (Bank HQ) Los Angeles, CA (Holding Co. HQ) Branches full-service branch – Washington, D.C. full-service branches – Los Angeles, CA Total Assets $1.3 billion (as of 12/31/25) Total Gross Loans $1.0 billion (as of 12/31/25) Total Deposits $0.9 billion (as of 12/31/25) Community Bank Leverage Ratio (CBLR) 14.09% (as of 12/31/25) Los Angeles, CA Washington, D.C. \| Branch and Corporate Office Locations Full-Service Branch Corporate Office Only

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![](ef20076658_ex99-1slide6.jpg)

6 Executive Management Team Zack Ibrahim Chief Financial Officer 20+ Years of Experience Former Head of Corporate Finance at Texas Capital Bank Previously held key financial leadership roles at Truist, M&T Bank, Regions, Northern Trust, & TIAA Brian Wagner Chief Human Resource Officer 20+ Years of Experience Previously held roles with EagleBank Corp, Truist, and PNC Experience with acquiring top talent across the nation with multiple institutions John Allen Chief Banking Officer 30+ Years of Experience Former Regional Bank President for Wells Fargo Previously held roles at Santander Bank, Capital One, and Fifth Third Bank LaShanya Washington Chief Credit Officer 25+ Years of Experience Previously held roles with United Bank and Capital One Experience with complex transactions such as NMTC, PACE, and Charter Schools Brian Argrett President & CEO 35+ Years of Experience CEO of City First Bank prior to the merger with Broadway Former Founder and Managing Partner of Fulcrum Capital Group Justin Jennings Chief Deposit Officer 20+ Years of Experience Former Operations Officer at Columbia Bank Previously held treasury and operations roles at JP Morgan Chase & Co

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![](ef20076658_ex99-1slide7.jpg)

7 Our Customer Promise (Our Value Proposition) A purposeful relationship, consistent quality service, and responsive products to grow and strengthen our customers' businesses, grounded in a shared commitment to community growth, resilience, and opportunity. How we win: Shared commitment/purpose to broadened economic opportunity Client focused solutions Relationship-driven Our Strategic Positioning (Our Business Strategy) High impact, relationship-built, commercial finance solutions for small business owners, their employees, and the communities they serve and impact through: Commercial banking credit solutions Commercial, business banking, and institutional deposits & treasury solutions Consumer deposit products and services City First is: A Different Kind of Bank. One that leads with purpose, operates with discipline, and delivers with heart. Vision To support and strengthen underserved communities through the provision of high-quality banking and other financial services. Mission We put our customers and Communities FIRST We think BIG We model EXCELLENCE We are ONE City First Team Values Based Banking Value Proposition

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![](ef20076658_ex99-1slide8.jpg)

8 Banking on Impact 2021-2025 We are intensely focused on the economic empowerment of our customers and communities. We aim for at least 70% of our lending to align with our mission and at least 60% to serve low-income communities. During the period covered by this report (2021-2025), we surpassed these goals.

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![](ef20076658_ex99-1slide9.jpg)

2025 Financial Performance

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![](ef20076658_ex99-1slide10.jpg)

10 Strategic Repositioning \| Business Line Pivot Identified structural challenges in 2024: Legacy wholesale multifamily lending became unprofitable due to rising interest rate environment, liquidity constraints, and competitive pressures; drove elevated Commercial Real Estate (CRE) concentration without funding alignment Executed mid-year repositioning: Deliberately scaled back high-volume, credit-strong business line that historically powered asset growth to safeguard long-term risk posture 2025 near-term impact: Moderated loan growth and earnings as anticipated Strategic benefits realized: Reduced CRE exposure, balanced relationship-driven portfolio, improved liquidity/concentration, and stronger regulatory standing 2026 positioning: Establishes resilience for sustainable growth, enhanced profitability, and superior franchise value

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![](ef20076658_ex99-1slide11.jpg)

11 Key Balance Sheet & Margin Metrics (GAAP) 1 Gross Loans excludes allowance for credit losses, but includes net credit and interest marks on purchases loans 2 Cost of Funds includes all interest-bearing liabilities 3 Thousands (M); Millions (MM) 64 61 FY 2024 FY 2025 \| Interest Income ($MM) 1,008 1,026 Dec-24 Dec-25 \| Gross Loans1 ($MM) \| Deposits ($MM) 745 918 Dec-24 Dec-25 135% 112% Dec-24 Dec-25 \| Loan to Deposit Ratio 13 20 19 8 28 FY 2024 FY 2025 Deposit Int Exp Borrowings Int Exp \| Interest Expense ($MM) 32 2.34% 2.64% FY 2024 FY 2025 \| Net Interest Margin Cost of Funds2 FY 2024 FY 2025 3.23% 3.07%

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![](ef20076658_ex99-1slide12.jpg)

12 Non-Interest Bearing 14% Interest Checking / Savings 15% Money Market 12% ICS 30% CDs & CDARS 29% \| Gross Loans Dec-25: $1,026MM Non-Owner Occupied CRE 73% Commercial 8% Owner Occupied CRE 10% Purchased 7% Other 2% Non-Owner Occupied CRE 78% Commercial 7% Owner Occupied CRE 11% \| Gross Loans Dec-24: $1,008MM Other 4% \| Total Deposits Dec-24: $745MM \| Total Deposits Dec-25: $918MM 1.7% 23.1% Non-Interest Bearing 11% Interest Checking / Savings 11% Money Market 20% ICS 25% CDs & CDARS 25% Brokered Deposits 8% 1 Gross Loans excludes allowance for credit losses, but includes net credit and interest marks on purchases loans 2 Non-owner occupied CRE includes construction, residential 1-4 units, and residential 5+ units loans in addition to traditional non-owner occupied CRE loans Loans & Deposits Composition

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![](ef20076658_ex99-1slide13.jpg)

BYFC has access to sufficient liquidity from cash, unpledged securities, and available FHLB advance capacity The Bank remains committed to maintaining strong capital and liquidity positions 13 $150 $150 ($15) $122 $13 $128 14.09% \| Total Capital ($MM) \| Highlights 13.61% Dec-24 Dec-25 Preferred Stock Retained Earnings (Accumulated Deficit) CBLR APIC and Other 1 $285 $263 \| Total Liquidity ($MM) BYFC remains well capitalized as evidenced by a Community Bank Leverage Ratio (CBLR) of 14.09%, well above the regulatory minimum of 9.00% The $150MM of preferred stock with 2.00% perpetual dividend rate received from the ECIP program represents ~57% of total capital The accumulated deficit in 2025 was the result of the $25.9MM goodwill impairment expense recognized in Q3 2025 In Q1 2025, BYFC entered into an ECIP securities purchase option agreement with the US Department of the Treasury, allowing for the heavily discounted repurchase of the ECIP securities beginning as early as Q2 2028 Liquidity Dec-25 Cash & Equivalents 11 Unpledged Securities at Market Value 2 161 Lines of Credit 10 FHLB Availability 243 Total Liquidity 425 Capital and Liquidity Abundant capital and liquidity capacity enhances flexibility 1 Other equity includes common stock, unearned ESOP shares, accumulated other comprehensive loss (net of tax), and treasury stock at loss. In total, other equity was ($20.7MM) as of 12/31/24 and ($15.2MM) as of 12/31/25 2 Unpledged Investment Securities comprise securities that are eligible as collateral for secured transactions through market channels or are eligible to be pledged to the Federal Home Loan Bank

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![](ef20076658_ex99-1slide14.jpg)

14 Key Profitability & Capital Metrics 0.14% 0.08% FY 2024 FY 2025 \| Adj. Net Income ($MM)1 \| Adj. ROAA1 0.83% 0.99% FY 2024 FY 2025 \| ACL as a % of Adj. Gross Loans2 2.0 1.1 FY 2024 FY 2025 GAAP Net Income FY 2024 FY 2025 2.0 (24.8) 89.7% 89.8% FY 2024 FY 2025 0.1% 13.61% 14.09% Dec-24 Dec-25 0.03% 1.09% Dec-24 Dec-25 1 2025 Non-Interest Expense is adjusted to exclude goodwill impairment of $25.9MM in Q3 2025. Refer to the reconciliation of non-GAAP measures in the appendix of the presentation 2 Gross loans are adjusted for purchased government guaranteed loans (GGLs) attracting no loan loss reserves. Refer to the reconciliation of non-GAAP measures in the appendix of the presentation \| Adj. Efficiency Ratio1 \| CBLR \| Non-Accrual as a % of Gross Loans

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![](ef20076658_ex99-1slide15.jpg)

2026 Strategic & Financial Update

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![](ef20076658_ex99-1slide16.jpg)

16 Our strategic intent is to be recognized as a national market leader in high-impact, mission-driven business banking solutions with focus on C&I, CRE, and Small Business Lending. We leverage our relationship managers, partners & digital solutions to expand access to credit & build community economic vitality. Our vision of serving the best interests of our people, communities, clients, and owners is the driving force to our sustainability. We have 4 strategic areas of focus: Attract, develop, and retain high performing, in-market, mission aligned relationship managers Build out differentiated deposit and treasury management solutions and channels Streamline and digitize business processes to support scale, efficiencies, and customer experience Have shared values and principles at the root of every aspect of our growth and expansion Long-term Strategic Intent (2026-2030 Plan Excerpt)

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![](ef20076658_ex99-1slide17.jpg)

17 2026 Areas of Strategic Focus Strategic Focus Action Grow low-cost deposits to improve funding diversification and improve overall funding costs. Modernize our treasury management solutions to help retain customers and become competitive in the marketplace Drive growth in fee income through areas such as treasury solutions, swap fees, business and consumer credit cards through Elan, merchant services and higher debit card usage Diversify our loan portfolio to help drive profitable and mission-based growth in C&I and owner-occupied opportunities that provide higher loan yields compared to the current portfolio Review all areas of the bank to identify and implement streamlined processes to reduce organization expenses and shift resources to high-priority initiatives Optimize resource allocations. Improve productivity by ensuring frontline capacity is directed towards prospecting and servicing high quality relationships Drive Low-Cost Deposit Growth and Improve Treasury Solutions Increase Non-Interest Income Loan Portfolio Diversification Identify Efficiencies and Streamline Processes Optimize Existing Resources

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![](ef20076658_ex99-1slide18.jpg)

18 First Quarter 2026 Financial Highlights (GAAP) (2.7) 1.0 1.1 2025Q1 2025Q4 2026Q1 \| Net Income ($MM) \| Total Gross Loans ($MM)1 \| Total Deposits ($MM) 1,073 777 918 2025Q1 2025Q4 2026Q1 1,026 1,002 1,069 2025Q1 2025Q4 2026Q1 \| Net Interest Margin 2.63% 2.62% 2.75% 2025Q1 2025Q4 2026Q1 \| ROAA (1.08%) 0.08% 0.12% 2025Q1 2025Q4 2026Q1 \| CBLR 14.78% 14.09% 14.06% 2025Q1 2025Q4 2026Q1 1 Gross Loans excludes allowance for credit losses, but includes net credit and interest marks on purchases loans

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![](ef20076658_ex99-1slide19.jpg)

19 Our Customer Promise & Strategic Intent To continue this story and see how we proudly fulfill our promise with Impact on behalf of all of our stakeholders, please take a look at our: 2021-2025 Impact Book (click here) Our strategic intent is to be recognized as a national market leader in high-impact, mission-driven business banking solutions with focus on C&I, CRE, and Small Business Lending. Our customer promise is a purposeful relationship, consistent quality service, and responsive products to grow and strengthen our customers' businesses -- all grounded in a shared commitment to community growth, resilience, and opportunity. Thank You

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![](ef20076658_ex99-1slide20.jpg)

Appendix: Non-GAAP Financial Measures

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![](ef20076658_ex99-1slide21.jpg)

21 Reconciliation of Non-GAAP Information Financial Metrics ($M) FY 2024 FY 2025 Non-Interest Expense 29,894 57,183 Less: One Time Expenses (Goodwill Impairment; Non-Tax Affected) - 25,858 Adj. Non-Interest Expense 29,894 31,325 Net Income Attributable to Broadway Financial Corporation 1,954 (24,808) Add: One Time Expenses (Goodwill Impairment; Non-Tax Affected) - 25,858 Adj. Net Income 1,954 1,050 Average Assets 1,410,327 1,302,879 ROAA 0.14% (1.90%) Adj. ROAA 0.14% 0.08% Net Interest Income 31,769 33,147 Non-Interest Income 1,554 1,752 Total Revenue 33,323 34,899 Efficiency Ratio 89.7% 163.9% Adj. Efficiency Ratio 89.7% 89.8% Gross Loans 1,008,320 1,025,964 Less: Government Guaranteed Loans - 75,321 Adj. Gross Loans 1,008,320 950,643 ACL 8,364 9,424 ACL / Adj. Gross Loans 0.83% 0.99%

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