# EDGAR Filing Document

**Accession Number:** 0001303942
**File Stem:** 0001437749-25-025088
**Filing Date:** 2025-8
**Character Count:** 24482
**Document Hash:** 2e261ef7b96892a008686792c4479f2f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001437749-25-025088.hdr.sgml**: 20250806

**ACCESSION NUMBER**: 0001437749-25-025088

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20250725

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250806

**DATE AS OF CHANGE**: 20250806

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BankFinancial CORP
- **CENTRAL INDEX KEY:** 0001303942
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-51331
- **FILM NUMBER:** 251190041

**BUSINESS ADDRESS:**
- **STREET 1:** 60 NORTH FRONTAGE ROAD
- **CITY:** BURR RIDGE
- **STATE:** IL
- **ZIP:** 60527
- **BUSINESS PHONE:** (800) 894-6900

**MAIL ADDRESS:**
- **STREET 1:** 60 NORTH FRONTAGE ROAD
- **CITY:** BURR RIDGE
- **STATE:** IL
- **ZIP:** 60527

?xml version='1.0' encoding='ASCII'? bfin20250426_8k.htm

**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): August 6, 2025**

## BANKFINANCIAL CORPORATION
**(Exact Name of Registrant as Specified in Charter)**

---

| | | |
|:---|:---|:---|
| **Maryland** | **0-51331** | **75-3199276** |

---

---

| | | |
|:---|:---|:---|
| **(State or Other Jurisdiction**<br> **of Incorporation)** | **(Commission**<br> **File No.)** | **(I.R.S. Employer**<br> **Identification No.)** |

---

---

| | |
|:---|:---|
| **60 North Frontage Road,**Burr Ridge**,**Illinois**<br> **(Address of Principal Executive Offices)** | **60527**<br> **(Zip Code)** |

---

**Registrant's telephone number, including area code: (**800**)**894-6900**

**Not Applicable**

**(Former name, former address and former fiscal year, 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:

---

| | |
|:---|:---|
| **Title of each class** | **Name of each exchange on which registered** |
| Common Stock, par value $0.01 per share<br> BFIN | The NASDAQ Stock Market LLC |

---

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. ☐

------

**Item 8.01. Other Events.**

On August 6, 2025, the Company filed its Quarterly Report on Form 10-Q for the second quarter ended June 30, 2025 and issued the Quarterly Financial and Statistical Supplement for the latest five quarters. The Quarterly Financial and Statistical Supplement is included as Exhibit 99.1 to this report.

This current report includes "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995. A variety of factors could cause BankFinancial's actual results to differ from those expected at the time of this release. For a discussion of some of the factors that may cause actual results to differ from expectations, please refer to BankFinancial's most recent Annual Report on Form 10-K as filed with the SEC, as supplemented by subsequent filings with the SEC. Investors are urged to review all information contained in these reports, including the risk factors discussed therein. Copies of these filings are available at no cost on the SEC's web site at www.sec.gov or on BankFinancial's web site at www.bankfinancial.com. Forward-looking statements speak only as of the date they are made, and we do not undertake to update them to reflect changes.

**Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits.**

(a) Not Applicable.

(b) Not Applicable.

(c) Not Applicable.

(d) Exhibits.

---

| | |
|:---|:---|
| <u>Exhibit No.</u> | <u>Description</u> |
| [99.1](ex_807707.htm) | Quarterly Financial and Statistical Supplement |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). |

---

------

**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.

---

| | | | |
|:---|:---|:---|:---|
|  |  | **BANKFINANCIAL CORPORATION** | **BANKFINANCIAL CORPORATION** |
| Dated: | August 6, 2025 | By: | /s/ F. Morgan Gasior |
|  |  |  | F. Morgan Gasior |
|  |  |  | Chairman of the Board, Chief Executive Officer and President |

---

## Exhibit 99.1

**Exhibit 99.1**

**BANKFINANCIAL CORPORATION**

**Second QUARTER 2025**

**QUARTERLY FINANCIAL AND STATISTICAL SUPPLEMENT**

**FOR THE LATEST FIVE QUARTERS**

Note: Certain reclassifications have been made in the prior period's financial statements and reflected in the Selected Quarterly Financial and Statistical Data tables to conform to the current period's presentation.

The information and statistical data contained herein have been prepared by BankFinancial Corporation and have been derived or calculated from selected unaudited quarterly and period–end historical financial statements prepared in accordance with accounting principles generally accepted in the United States. BankFinancial Corporation is under no obligation to update, keep current, or continue to provide the information contained herein. This information is provided solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or establish any business relationships with BankFinancial Corporation or its subsidiary.

------

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters (Dollars in thousands; except per share) – (Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **2025** | **2025** | **2024** | **2024** | **2024** |
|  | **IIQ** | **IQ** | **IVQ** | **IIIQ** | **IIQ** |
| **PERFORMANCE MEASUREMENTS** |  |  |  |  |  |
| Return on assets (ratio of net (loss) income to average total assets) <sup>(1)</sup> | (0.10)% | 0.58% | (0.49)% | 0.56% | 0.58% |
| Return on equity (ratio of net (loss) income to average equity) <sup>(1)</sup> | (0.91) | 5.31 | (4.43) | 5.03 | 5.44 |
| Net interest rate spread <sup>(1)</sup> | 2.86 | 2.94 | 2.92 | 2.90 | 3.11 |
| Net interest margin (TEB) <sup>(1) (2)</sup> | 3.43 | 3.50 | 3.49 | 3.47 | 3.67 |
| Efficiency ratio <sup>(3)</sup> | 89.59 | 83.11 | 84.54 | 76.73 | 80.39 |
| Noninterest expense to average total assets <sup>(1)</sup> | 3.33 | 3.05 | 3.13 | 2.82 | 3.03 |
| Average interest–earning assets to average interest–bearing liabilities | 132.78 | 133.17 | 133.97 | 133.26 | 134.44 |
| Number of full service offices | 18 | 18 | 18 | 18 | 18 |
| Employees (full time equivalents) | 190 | 191 | 197 | 198 | 206 |
| **SUMMARY STATEMENT OF FINANCIAL CONDITION** |  |  |  |  |  |
| **ASSETS** |  |  |  |  |  |
| Cash and due from other financial institutions | $17739 | $20274 | $20647 | $19412 | $19505 |
| Interest-bearing deposits in other financial institutions | 94497 | 124129 | 64182 | 95798 | 113432 |
| Interest-bearing time deposits in other financial institutions | 20273 | 33862 | 34156 | 45073 | 53754 |
| Securities, at fair value | 436965 | 357165 | 360530 | 264905 | 222906 |
| Loans receivable, net | 795963 | 841055 | 887586 | 923939 | 987745 |
| Foreclosed assets, net | 738 | 1337 | 1391 | 1966 | 1898 |
| Stock in Federal Home Loan Bank and Federal Reserve Bank, at cost | 7490 | 7490 | 7490 | 7490 | 7490 |
| Premises and equipment, net | 22385 | 22464 | 22889 | 22674 | 22765 |
| Bank-owned life insurance | 17757 | 18305 | 18301 | 18277 | 18291 |
| Deferred taxes | 4350 | 3561 | 3761 | 3590 | 4019 |
| Other assets | 11020 | 12479 | 13881 | 14536 | 25885 |
| **Total assets** | $1429177 | $1442121 | $1434814 | $1417660 | $1477690 |
| **LIABILITIES AND STOCKHOLDERS' EQUITY** |  |  |  |  |  |
| Deposits | $1215658 | $1232931 | $1217541 | $1199412 | $1252273 |
| Borrowings | 15000 | 15000 | 20000 | 20000 | 25000 |
| Subordinated notes, net of unamortized issuance costs | 18263 | 18253 | 18736 | 18726 | 18715 |
| Other liabilities | 24214 | 18442 | 22160 | 20414 | 24224 |
| Total liabilities | 1273135 | 1284626 | 1278437 | 1258552 | 1320212 |
| Stockholders' equity | 156042 | 157495 | 156377 | 159108 | 157478 |
| **Total liabilities and stockholders' equity** | $1429177 | $1442121 | $1434814 | $1417660 | $1477690 |

---

<sup>(1)</sup> Annualized

<sup>(2)</sup> Calculated on a tax equivalent basis ("TEB") assuming a federal income tax rate of 21% and an average state income tax rate of 9.5%.

<sup>(3)</sup> The efficiency ratio represents noninterest expense, divided by the sum of net interest income and noninterest income.

------

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **2025** | **2025** | **2024** | **2024** | **2024** |
|  | **IIQ** | **IQ** | **IVQ** | **IIIQ** | **IIQ** |
| **SUMMARY STATEMENT OF OPERATIONS** |  |  |  |  |  |
| Total interest income | $16129 | $16312 | $16687 | $16886 | $17655 |
| Total interest expense | 4864 | 4817 | 5010 | 5225 | 5079 |
| Net interest income | 11265 | 11495 | 11677 | 11661 | 12576 |
| Provision for (recovery of) credit losses | 2252 | (296) | 4650 | 485 | (122) |
| Net interest income after provision for (recovery of) credit losses | 9013 | 11791 | 7027 | 11176 | 12698 |
| Noninterest income | 1959 | 1634 | 1570 | 1482 | 1276 |
| Noninterest expense | 11848 | 10912 | 11199 | 10084 | 11135 |
| (Loss) income before income tax | (876) | 2513 | (2602) | 2574 | 2839 |
| Income tax (benefit) expense | (517) | 432 | (838) | 581 | 705 |
| Net (loss) income | $(359) | $2081 | $(1764) | $1993 | $2134 |
| Basic and diluted (loss) earnings per common share | $(0.03) | $0.17 | $(0.14) | $0.16 | $0.17 |
| **NONINTEREST INCOME AND EXPENSE** |  |  |  |  |  |
| **Noninterest Income** |  |  |  |  |  |
| Deposit service charges and fees | $972 | $884 | $875 | $915 | $834 |
| Loan servicing fees | 76 | 187 | 232 | 97 | 97 |
| Trust insurance commissions and annuities income | 394 | 437 | 354 | 405 | 349 |
| &nbsp;&nbsp;&nbsp;Loss on sale of premises and equipment | (4) | (5) | (20) | (20) | (9) |
| &nbsp;&nbsp;&nbsp;&nbsp;(Loss) earnings on bank-owned life insurance | (5) | 4 | 24 | (14) | (91) |
| &nbsp;&nbsp;&nbsp;Bank-owned life insurance death benefit | 417 |  |  |  |  |
| Gain on repurchase of Subordinated notes |  | 42 |  |  |  |
| Other | 109 | 85 | 105 | 99 | 96 |
| **Total noninterest income** | $1959 | $1634 | $1570 | $1482 | $1276 |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | $5565 | $5704 | $5710 | $5441 | $5943 |
| Office occupancy and equipment | 1790 | 2047 | 1689 | 1532 | 1861 |
| Advertising and public relations | 232 | 130 | 177 | 117 | 112 |
| Information technology | 985 | 1015 | 934 | 971 | 1049 |
| Professional fees | 770 | 405 | 410 | 299 | 382 |
| Supplies, telephone, and postage | 284 | 289 | 273 | 281 | 292 |
| FDIC insurance premiums | 157 | 157 | 159 | 156 | 144 |
| Other | 2065 | 1165 | 1847 | 1287 | 1352 |
| **Total noninterest expense** | $11848 | $10912 | $11199 | $10084 | $11135 |

---

------

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **2025** | **2025** | **2024** | **2024** | **2024** |
|  | **IIQ** | **IQ** | **IVQ** | **IIIQ** | **IIQ** |
| **LOANS** |  |  |  |  |  |
| One–to–four family residential real estate | $13534 | $14090 | $14829 | $15634 | $17707 |
| Multi-family residential real estate | 496190 | 506498 | 521957 | 524340 | 527542 |
| Nonresidential real estate | 103062 | 104610 | 108153 | 109799 | 109635 |
| Commercial loans and leases | 190518 | 221403 | 248595 | 280218 | 339216 |
| Consumer | 1775 | 1733 | 1623 | 1847 | 1787 |
|  | 805079 | 848334 | 895157 | 931838 | 995887 |
| Allowance for credit losses | (9116) | (7279) | (7571) | (7899) | (8142) |
| **Loans, net** | $795963 | $841055 | $887586 | $923939 | $987745 |
| **LOAN ORIGINATIONS <sup>(1)</sup>** |  |  |  |  |  |
| One–to–four family residential real estate | $414 | $273 | $336 | $149 | $268 |
| Multi-family residential real estate | 2615 | 2144 | 3311 | 4837 | 14177 |
| Nonresidential real estate | 100 |  | 1200 | 2658 | 34 |
| Commercial loans | 113552 | 134132 | 130969 | 149449 | 171430 |
| Equipment finance | 4505 | 5161 | 7861 | 8068 | 6207 |
| Consumer | 510 | 426 | 490 | 722 | 1184 |
|  | $121696 | $142136 | $144167 | $165883 | $193300 |
| **Weighted average interest rate** | 7.71% | 7.71% | 7.82% | 8.26% | 8.77% |
| **LOAN PAYMENTS and PAYOFFS (2)** |  |  |  |  |  |
| One–to–four family residential real estate | $953 | $1013 | $1126 | $2280 | $823 |
| Multi-family residential real estate | 11526 | 17477 | 5713 | 8094 | 12387 |
| Nonresidential real estate | 1625 | 3538 | 2712 | 2619 | 711 |
| Commercial loans | 122851 | 140783 | 135351 | 171276 | 165347 |
| Equipment finance | 25994 | 25668 | 30402 | 44315 | 33140 |
| Consumer | 508 | 532 | 592 | 722 | 682 |
|  | $163457 | $189011 | $175896 | $229306 | $213090 |
| **Weighted average interest rate** | 7.15% | 7.10% | 7.28% | 7.69% | 8.17% |

---

<sup>(1)</sup> Loan originations include purchased loans, draws on revolving lines of credit and exclude loan renewals.

<sup>(2)</sup> Loan payments and payoffs exclude loan renewals.

------

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **2025** | **2025** | **2024** | **2024** | **2024** |
|  | **IIQ** | **IQ** | **IVQ** | **IIIQ** | **IIQ** |
| **CREDIT QUALITY:** |  |  |  |  |  |
| **Nonperforming Assets:** |  |  |  |  |  |
| Nonaccrual loans: |  |  |  |  |  |
| One–to–four family residential real estate | $13 | $107 | $126 | $34 | $39 |
| &nbsp;&nbsp;&nbsp;Multi–family residential real estate |  | 1395 | 1453 | 1458 |  |
| Nonresidential real estate |  |  | 393 | 393 | 380 |
| Equipment finance | 9206 | 14911 | 14960 | 20446 | 20395 |
| &nbsp;&nbsp;&nbsp;Consumer |  |  | 2 |  |  |
|  | 9219 | 16413 | 16934 | 22331 | 20814 |
| Loans past due over 90 days still accruing | 2226 | 1 |  |  |  |
| Other foreclosed assets, net | 738 | 1337 | 1391 | 1966 | 1898 |
| Nonperforming assets | $12183 | $17751 | $18325 | $24297 | $22712 |
| **Asset Quality Ratios** |  |  |  |  |  |
| Nonperforming assets to total assets | 0.85% | 1.23% | 1.28% | 1.71% | 1.54% |
| Nonperforming loans to total loans (1) | 1.42 | 1.93 | 1.89 | 2.40 | 2.09 |
| Nonperforming commercial-related loans to total commercial-related loans <sup>(2)</sup> | 1.45 | 1.96 | 1.91 | 2.44 | 2.13 |
| Nonperforming residential and consumer loans to total residential and consumer loans | 0.09 | 0.68 | 0.78 | 0.19 | 0.20 |
| Allowance for credit losses to nonperforming loans | 79.65 | 44.35 | 44.71 | 35.37 | 39.12 |
| **Concentrations of Credit** |  |  |  |  |  |
| Commercial real estate for FFIEC concentration limits | $584046 | $595943 | $613914 | $616985 | $621628 |
| % FFIEC total capital | 341.81% | 352.64% | 368.12% | 361.51% | 359.51% |
| Multi–family mortgage loans - 50% risk based capital qualified (included above) | $199859 | $242644 | $254850 | $253491 | $269868 |
| % FFIEC total capital | 116.97% | 143.58% | 152.82% | 148.53% | 156.07% |

---

<sup>(1)</sup> Nonperforming loans include nonaccrual loans and loans past due 90 days and still accruing.

<sup>(2)</sup> Commercial-related loans include multi-family mortgage, nonresidential real estate, and commercial loans and leases.

------

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **2025** | **2025** | **2024** | **2024** | **2024** |
|  | **IIQ** | **IQ** | **IVQ** | **IIIQ** | **IIQ** |
| **SUBSTANDARD PERFORMING LOANS** |  |  |  |  |  |
| One–to–four family residential real estate | $217 | $175 | $218 | $164 | $167 |
| Multi–family residential real estate | 8492 | 9000 | 1168 | 686 | 1421 |
| &nbsp;&nbsp;&nbsp;Nonresidential real estate | 420 | 433 | 441 | 449 | 457 |
| Commercial loans and leases | 2184 | 2230 | 2628 | 4700 | 3154 |
| Consumer | 4 | 3 | 4 | 3 | 3 |
|  | $11317 | $11841 | $4459 | $6002 | $5202 |
| **ALLOWANCE FOR CREDIT LOSSES** |  |  |  |  |  |
| Beginning balance | $7279 | $7571 | $7899 | $8142 | $8249 |
| Charge–offs: |  |  |  |  |  |
| Multi–family residential real estate | (297) |  | (5) |  |  |
| Commercial loans and leases | (133) | (36) | (4968) | (731) | (10) |
| Consumer | (4) | (10) | (7) | (12) | (12) |
|  | (434) | (46) | (4980) | (743) | (22) |
| Recoveries: |  |  |  |  |  |
| One–to–four family residential real estate | 3 | 2 | 1 | 22 | 2 |
| Multi–family residential real estate | 3 | 2 | 2 | 6 | 4 |
| Commercial loans and leases | 3 | 10 | 2 |  | 7 |
| Consumer | 1 | 1 | 1 |  |  |
|  | 10 | 15 | 6 | 28 | 13 |
| Net charge–offs | (424) | (31) | (4974) | (715) | (9) |
| Provision for (recovery of) credit losses - loans | 2261 | (261) | 4646 | 472 | (98) |
| Ending balance | $9116 | $7279 | $7571 | $7899 | $8142 |
| Allowance for credit losses to total loans | 1.13% | 0.86% | 0.85% | 0.85% | 0.82% |
| Net charge–offs ratio <sup>(1)</sup> | (0.21) | (0.01) | (2.19) | (0.30) |  |

---

<sup>(1)</sup> Annualized

------

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **2025** | **2025** | **2024** | **2024** | **2024** |
|  | **IIQ** | **IQ** | **IVQ** | **IIIQ** | **IIQ** |
| **DEPOSITS** |  |  |  |  |  |
| Noninterest–bearing demand | $222444 | $231935 | $238826 | $226882 | $262585 |
| Interest–bearing NOW accounts | 275181 | 288857 | 277059 | 276551 | 287668 |
| Money market accounts | 303014 | 308924 | 305538 | 306679 | 311276 |
| Savings deposits | 159623 | 164323 | 161139 | 160815 | 167250 |
| Certificates of deposit - retail | 255396 | 238892 | 234979 | 228485 | 223494 |
|  | $1215658 | $1232931 | $1217541 | $1199412 | $1252273 |
| **SELECTED AVERAGE BALANCES** |  |  |  |  |  |
| Total average assets | $1424707 | $1432964 | $1430554 | $1430931 | $1470076 |
| Total average interest–earning assets | 1356970 | 1363715 | 1361554 | 1359833 | 1399280 |
| Average loans | 825988 | 870896 | 908908 | 964827 | 1010123 |
| Average securities | 406023 | 347092 | 308981 | 252735 | 242591 |
| Average stock in FHLB & FRB | 7490 | 7490 | 7490 | 7490 | 7490 |
| Average other interest–earning assets | 117469 | 138237 | 136175 | 134781 | 139076 |
| Total average interest–bearing liabilities | 1021963 | 1024008 | 1016350 | 1020434 | 1040842 |
| Average interest–bearing deposits | 988704 | 986215 | 977619 | 977529 | 997132 |
| Average borrowings and Subordinated notes | 33259 | 37793 | 38731 | 42905 | 43710 |
| Average stockholders' equity | 157599 | 156891 | 159454 | 158540 | 156785 |
| **SELECTED YIELDS AND COST OF FUNDS <sup>(1)</sup>** |  |  |  |  |  |
| Total average interest–earning assets | 4.77% | 4.85% | 4.88% | 4.94% | 5.07% |
| Average loans | 5.17 | 5.23 | 5.15 | 5.07 | 5.32 |
| Average securities (TEB) <sup>(2)</sup> | 4.32 | 4.30 | 4.34 | 4.45 | 4.09 |
| Average other interest–earning assets | 4.54 | 4.57 | 4.95 | 5.46 | 5.51 |
| Total average interest–bearing liabilities | 1.91 | 1.91 | 1.96 | 2.04 | 1.96 |
| Average interest–bearing deposits | 1.84 | 1.82 | 1.88 | 1.94 | 1.87 |
| Average cost of total deposits | 1.50 | 1.47 | 1.52 | 1.57 | 1.49 |
| Average cost of retail and commercial deposits | 1.84 | 1.82 | 1.88 | 1.94 | 1.87 |
| Average cost of wholesale deposits, borrowings and Subordinated notes | 4.11 | 4.23 | 4.13 | 4.18 | 4.19 |
| Average cost of funds | 1.57 | 1.56 | 1.60 | 1.66 | 1.58 |
| Net interest rate spread | 2.86 | 2.94 | 2.92 | 2.90 | 3.11 |
| Net interest margin (TEB) <sup>(2)</sup> | 3.43 | 3.50 | 3.49 | 3.47 | 3.67 |

---

<sup>(1)</sup> Annualized

<sup>(2)</sup> Calculated on a tax equivalent basis assuming a federal income tax rate of 21% and an average state income tax rate of 9.5%.

------

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **2025** | **2025** | **2024** | **2024** | **2024** |
|  | **IIQ** | **IQ** | **IVQ** | **IIIQ** | **IIQ** |
| **CAPITAL RATIOS** |  |  |  |  |  |
| **BankFinancial Corporation <sup>(1)</sup>** |  |  |  |  |  |
| Equity to total assets (end of period) | 10.92% | 10.92% | 10.90% | 11.22% | 10.66% |
| Risk–based total capital ratio | 24.30 | 23.57 | 21.79 | 21.56 | 20.52 |
| Common Tier 1 (CET1) | 20.66 | 20.28 | 18.70 | 18.53 | 17.60 |
| Risk–based tier 1 capital ratio | 20.66 | 20.28 | 18.70 | 18.53 | 17.60 |
| Tier 1 leverage ratio | 10.83 | 10.91 | 10.90 | 11.11 | 10.75 |
| Tier 1 capital | $154159 | $156147 | $155832 | $158778 | $157984 |
| **BankFinancial, NA <sup>(2)</sup>** |  |  |  |  |  |
| Risk–based total capital ratio | 22.95% | 22.02% | 20.08% | 19.96% | 19.31% |
| Common Tier 1 (CET1) | 21.76 | 21.10 | 19.24 | 19.11 | 18.46 |
| Risk–based tier 1 capital ratio | 21.76 | 21.10 | 19.24 | 19.11 | 18.46 |
| Tier 1 leverage ratio | 11.44 | 11.38 | 11.23 | 11.48 | 11.32 |
| Tier 1 capital | $161946 | $161901 | $159779 | $163355 | $165368 |
| **COMMON STOCK AND DIVIDENDS** |  |  |  |  |  |
| Stock Prices: |  |  |  |  |  |
| Close | $11.57 | $12.64 | $12.70 | $12.18 | $10.29 |
| High | 12.93 | 13.58 | 13.97 | 12.56 | 10.70 |
| Low | 11.17 | 11.53 | 11.36 | 10.01 | 9.60 |
| Common shares outstanding | 12460678 | 12460678 | 12460678 | 12460678 | 12460678 |
| Book value per share | $12.52 | $12.64 | $12.55 | $12.77 | $12.64 |
| Cash dividends declared on common stock | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 |
| Dividend payout ratio | (347.09)% | 59.88% | -70.64% | 62.52% | 58.39% |
| Stock repurchases | $— | $— | $— | $— | $— |
| Stock repurchases – shares |  |  |  |  |  |
| **EARNINGS PER SHARE COMPUTATIONS** |  |  |  |  |  |
| Net (loss) income | $(359) | $2081 | $(1764) | $1993 | $2134 |
| Weighted average basic and dilutive common shares outstanding | 12460678 | 12460678 | 12460678 | 12460678 | 12460678 |
| Basic and diluted (loss) earnings per common share | $(0.03) | $0.17 | $(0.14) | $0.16 | $0.17 |

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<sup>(1)</sup> As a small bank holding company, the Company is exempt from the Federal Reserve Board's risk-based capital and leverage rules. BankFinancial Corporation capital data is included for informational purposes only.

<sup>(2)</sup> As a qualifying community bank pursuant to Section 201 of the Economic Growth, Regulatory Relief and Consumer Protection Act of 2018, the Bank elected to adopt the Community Bank Leverage Ratio requirement in 2020. The Community Bank Leverage Ratio is equal to the Bank's Tier 1 Leverage Ratio. Other BankFinancial, NA capital data is included for informational purposes only.