株探米国株
英語
エドガーで原本を確認する
false 0001303942 0001303942 2025-10-30 2025-10-30
 
 
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):  October 30, 2025
 
 
 
BANKFINANCIAL CORPORATION
(Exact Name of Registrant as Specified in Charter)
 
 
 
Maryland
0-51331
75-3199276
(State or Other Jurisdiction
of Incorporation)
(Commission
File No.)
(I.R.S. Employer
Identification No.)
 
 
 
 
60 North Frontage Road, Burr Ridge, Illinois
(Address of Principal Executive Offices)
60527
(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
 
Trading
Symbol(s)
 
Name of each exchange on which registered
Common Stock, par value $0.01 per share
 
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 October 30, 2025, the Company filed its Quarterly Report on Form 10-Q for the third quarter ended September 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    Financial Statements and Exhibits.
 
 
(a)
Not Applicable.
 
(b)
Not Applicable.
 
(c)
Not Applicable.
 
(d)
Exhibits.
 
Exhibit No.
Description
 
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
 
 
 
 
 
 
 
Dated:
 October 30, 2025
 
By:
/s/ F. Morgan Gasior
 
 
 
 
 
F. Morgan Gasior
 
 
 
 
 
Chairman of the Board, Chief Executive Officer and President
 
 
EX-99.1 2 ex_852370.htm EXHIBIT 99.1 ex_852370.htm

Exhibit 99.1

 

 

 

BANKFINANCIAL CORPORATION

 

THIRD 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     2024  
   

IIIQ

    

IIQ

    

IQ

    

IVQ

    

IIIQ

  

PERFORMANCE MEASUREMENTS

                                        

Return on assets (ratio of net income (loss) to average total assets) (1)

     0.65 %     (0.10 )%     0.58 %     (0.49 )%     0.56 %

Return on equity (ratio of net income (loss) to average equity) (1)

     6.01       (0.91 )     5.31       (4.43 )     5.03  

Net interest rate spread (1)

     2.83       2.86       2.94       2.92       2.90  

Net interest margin (TEB) (1) (2)

     3.45       3.43       3.50       3.49       3.47  

Efficiency ratio (3)

     80.78       89.59       83.11       84.54       76.73  

Noninterest expense to average total assets (1)

     2.97       3.33       3.05       3.13       2.82  

Average interest–earning assets to average interest–bearing liabilities

     134.10       132.78       133.17       133.97       133.26  

Number of full service offices

     18       18       18       18       18  

Employees (full time equivalents)

     184       190       191       197       198  
                                         

SUMMARY STATEMENT OF FINANCIAL CONDITION

                                        

ASSETS

                                        

Cash and due from other financial institutions

   $ 17,293     $ 17,739     $ 20,274     $ 20,647     $ 19,412  

Interest-bearing deposits in other financial institutions

     65,449       94,497       124,129       64,182       95,798  

Interest-bearing time deposits in other financial institutions

     11,844       20,273       33,862       34,156       45,073  

Securities, at fair value

     537,503       436,965       357,165       360,530       264,905  

Loans receivable, net

     759,832       795,963       841,055       887,586       923,939  

Foreclosed assets, net

     45       738       1,337       1,391       1,966  

Stock in Federal Home Loan Bank and Federal Reserve Bank, at cost

     7,490       7,490       7,490       7,490       7,490  

Premises and equipment, net

     22,129       22,385       22,464       22,889       22,674  

Bank-owned life insurance

     17,757       17,757       18,305       18,301       18,277  

Deferred taxes

     4,364       4,350       3,561       3,761       3,590  

Other assets

     10,832       11,020       12,479       13,881       14,536  

Total assets

   $ 1,454,538     $ 1,429,177     $ 1,442,121     $ 1,434,814     $ 1,417,660  
                                         

LIABILITIES AND STOCKHOLDERS’ EQUITY

                                        

Deposits

   $ 1,242,081     $ 1,215,658     $ 1,232,931     $ 1,217,541     $ 1,199,412  

Borrowings

     10,000       15,000       15,000       20,000       20,000  

Subordinated notes, net of unamortized issuance costs

     18,274       18,263       18,253       18,736       18,726  

Other liabilities

     26,828       24,214       18,442       22,160       20,414  

Total liabilities

     1,297,183       1,273,135       1,284,626       1,278,437       1,258,552  

Stockholders’ equity

     157,355       156,042       157,495       156,377       159,108  

Total liabilities and stockholders’ equity

   $ 1,454,538     $ 1,429,177     $ 1,442,121     $ 1,434,814     $ 1,417,660  

 

(1)

Annualized
(2)

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%.

(3)

The efficiency ratio represents noninterest expense, divided by the sum of net interest income and noninterest income.

 

 

 

Page 1
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

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

 

 

    2025     2024  
   

IIIQ

    

IIQ

    

IQ

    

IVQ

    

IIIQ

  

SUMMARY STATEMENT OF OPERATIONS

                                        

Total interest income

   $ 16,707     $ 16,129     $ 16,312     $ 16,687     $ 16,886  

Total interest expense

     5,067       4,864       4,817       5,010       5,225  

Net interest income

     11,640       11,265       11,495       11,677       11,661  

(Recovery of) provision for credit losses

     (265 )     2,252       (296 )     4,650       485  

Net interest income after (recovery of) provision for credit losses

     11,905       9,013       11,791       7,027       11,176  

Noninterest income

     1,703       1,959       1,634       1,570       1,482  

Noninterest expense

     10,778       11,848       10,912       11,199       10,084  

Income (loss) before income tax

     2,830       (876 )     2,513       (2,602 )     2,574  

Income tax expense (benefit)

     471       (517 )     432       (838 )     581  

Net income (loss)

   $ 2,359     $ (359 )   $ 2,081     $ (1,764 )   $ 1,993  

Basic and diluted earnings (loss) per common share

   $ 0.19     $ (0.03 )   $ 0.17     $ (0.14 )   $ 0.16  
                                         

NONINTEREST INCOME AND EXPENSE

                                        

Noninterest Income

                                        

Deposit service charges and fees

   $ 1,000     $ 972     $ 884     $ 875     $ 915  

Loan servicing fees

     82       76       187       232       97  

Trust insurance commissions and annuities income

     314       394       437       354       405  

Loss on sale of premises and equipment

     (21 )     (4 )     (5 )     (20 )     (20 )

(Loss) earnings on bank-owned life insurance

     —       (5 )     4       24       (14 )

Bank-owned life insurance death benefit

     —       417       —       —       —  

Gain on repurchase of Subordinated notes

     —       —       42       —       —  

Other

     328       109       85       105       99  

Total noninterest income

   $ 1,703     $ 1,959     $ 1,634     $ 1,570     $ 1,482  
                                         

Noninterest Expense

                                        

Compensation and benefits

   $ 4,389     $ 5,565     $ 5,704     $ 5,710     $ 5,441  

Office occupancy and equipment

     1,978       1,790       2,047       1,689       1,532  

Advertising and public relations

     133       232       130       177       117  

Information technology

     1,011       985       1,015       934       971  

Professional fees

     1,175       770       405       410       299  

Supplies, telephone, and postage

     282       284       289       273       281  

FDIC insurance premiums

     160       157       157       159       156  

Other

     1,650       2,065       1,165       1,847       1,287  

Total noninterest expense

   $ 10,778     $ 11,848     $ 10,912     $ 11,199     $ 10,084  

 

 

Page 2
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

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

 

 

    2025     2024  
   

IIIQ

    

IIQ

    

IQ

    

IVQ

    

IIIQ

  

LOANS

                                        

One–to–four family residential real estate

   $ 12,859     $ 13,534     $ 14,090     $ 14,829     $ 15,634  

Multi-family residential real estate

     486,050       496,190       506,498       521,957       524,340  

Nonresidential real estate

     98,804       103,062       104,610       108,153       109,799  

Commercial loans and leases

     169,335       190,518       221,403       248,595       280,218  

Consumer

     1,598       1,775       1,733       1,623       1,847  
      768,646       805,079       848,334       895,157       931,838  

Allowance for credit losses

     (8,814 )     (9,116 )     (7,279 )     (7,571 )     (7,899 )

Loans, net

   $ 759,832     $ 795,963     $ 841,055     $ 887,586     $ 923,939  
                                         

LOAN ORIGINATIONS (1)

                                        

One–to–four family residential real estate

   $ 199     $ 414     $ 273     $ 336     $ 149  

Multi-family residential real estate

     3,391       2,615       2,144       3,311       4,837  

Nonresidential real estate

     —       100       —       1,200       2,658  

Commercial loans

     103,159       113,552       134,132       130,969       149,449  

Equipment finance

     3,900       4,505       5,161       7,861       8,068  

Consumer

     541       510       426       490       722  
    $ 111,190     $ 121,696     $ 142,136     $ 144,167     $ 165,883  

Weighted average interest rate

     7.54 %     7.71 %     7.71 %     7.82 %     8.26 %
                                         

LOAN PAYMENTS and PAYOFFS (2)

                                        

One–to–four family residential real estate

   $ 803     $ 953     $ 1,013     $ 1,126     $ 2,280  

Multi-family residential real estate

     13,479       11,526       17,477       5,713       8,094  

Nonresidential real estate

     4,232       1,625       3,538       2,712       2,619  

Commercial loans

     103,029       122,851       140,783       135,351       171,276  

Equipment finance

     25,113       25,994       25,668       30,402       44,315  

Consumer

     562       508       532       592       722  
    $ 147,218     $ 163,457     $ 189,011     $ 175,896     $ 229,306  

Weighted average interest rate

     6.93 %     7.15 %     7.10 %     7.28 %     7.69 %

 

(1)

Loan originations include purchased loans, draws on revolving lines of credit and exclude loan renewals.

(2)

Loan payments and payoffs exclude loan renewals.

 

Page 3
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

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

 

 

    2025     2024  
   

IIIQ

    

IIQ

    

IQ

    

IVQ

    

IIIQ

  

CREDIT QUALITY:

                                        

Nonperforming Assets:

                                        

Nonaccrual loans:

                                        

One–to–four family residential real estate

   $ 12     $ 13     $ 107     $ 126     $ 34  

Multi–family residential real estate

     —       —       1,395       1,453       1,458  

Nonresidential real estate

     —       —       —       393       393  

Equipment finance

     9,230       9,206       14,911       14,960       20,446  

Consumer

     —       —       —       2       —  
      9,242       9,219       16,413       16,934       22,331  
                                         

Loans past due over 90 days still accruing

     2,244       2,226       1       —       —  
                                         

Other foreclosed assets, net

     45       738       1,337       1,391       1,966  
                                         

Nonperforming assets

   $ 11,531     $ 12,183     $ 17,751     $ 18,325     $ 24,297  
                                         

Asset Quality Ratios

                                        

Nonperforming assets to total assets

     0.79 %     0.85 %     1.23 %     1.28 %     1.71 %

Nonperforming loans to total loans (1)

     1.49       1.42       1.93       1.89       2.40  

Nonperforming commercial-related loans to total commercial-related loans (2)

     1.52       1.45       1.96       1.91       2.44  

Nonperforming residential and consumer loans to total residential and consumer loans

     0.09       0.09       0.68       0.78       0.19  

Allowance for credit losses to nonperforming loans

     76.74       79.65       44.35       44.71       35.37  
                                         

Concentrations of Credit

                                        

Commercial real estate for FFIEC concentration limits

   $ 570,000     $ 584,046     $ 595,943     $ 613,914     $ 616,985  

% FFIEC total capital

     329.82 %     341.81 %     352.64 %     368.12 %     361.51 %
                                         

Multi–family mortgage loans - 50% risk based capital qualified (included above)

   $ 177,881     $ 199,859     $ 242,644     $ 254,850     $ 253,491  

% FFIEC total capital

     102.93 %     116.97 %     143.58 %     152.82 %     148.53 %
                                         

 

(1)

Nonperforming loans include nonaccrual loans and loans past due 90 days and still accruing. 

(2)

Commercial-related loans include multi-family mortgage, nonresidential real estate, and commercial loans and leases.

 

Page 4
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

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

 

 

    2025     2024  
   

IIIQ

    

IIQ

    

IQ

    

IVQ

    

IIIQ

  

SUBSTANDARD PERFORMING LOANS

                                        

One–to–four family residential real estate

   $ 141     $ 217     $ 175     $ 218     $ 164  

Multi–family residential real estate

     3,952       8,492       9,000       1,168       686  

Nonresidential real estate

     408       420       433       441       449  

Commercial loans and leases

     1,911       2,184       2,230       2,628       4,700  

Consumer

     3       4       3       4       3  
    $ 6,415     $ 11,317     $ 11,841     $ 4,459     $ 6,002  
                                         

ALLOWANCE FOR CREDIT LOSSES

                                        

Beginning balance

   $ 9,116     $ 7,279     $ 7,571     $ 7,899     $ 8,142  

Charge–offs:

                                        

Multi–family residential real estate

     —       (297 )     —       (5 )     —  

Commercial loans and leases

     (90 )     (133 )     (36 )     (4,968 )     (731 )

Consumer

     (12 )     (4 )     (10 )     (7 )     (12 )
      (102 )     (434 )     (46 )     (4,980 )     (743 )

Recoveries:

                                        

One–to–four family residential real estate

     3       3       2       1       22  

Multi–family residential real estate

     3       3       2       2       6  

Commercial loans and leases

     4       3       10       2       —  

Consumer

     —       1       1       1       —  
      10       10       15       6       28  
                                         

Net charge–offs

     (92 )     (424 )     (31 )     (4,974 )     (715 )

(Recovery of) provision for credit losses - loans

     (210 )     2,261       (261 )     4,646       472  

Ending balance

   $ 8,814     $ 9,116     $ 7,279     $ 7,571     $ 7,899  
                                         

Allowance for credit losses to total loans

     1.15 %     1.13 %     0.86 %     0.85 %     0.85 %

Net charge–offs ratio (1)

     (0.05 )     (0.21 )     (0.01 )     (2.19 )     (0.30 )

 

(1)

Annualized

 

Page 5
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

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

 

 

    2025     2024  
   

IIIQ

    

IIQ

    

IQ

    

IVQ

    

IIIQ

  

DEPOSITS

                                        

Noninterest–bearing demand

   $ 237,431     $ 222,444     $ 231,935     $ 238,826     $ 226,882  

Interest–bearing NOW accounts

     278,426       275,181       288,857       277,059       276,551  

Money market accounts

     306,173       303,014       308,924       305,538       306,679  

Savings deposits

     158,191       159,623       164,323       161,139       160,815  

Certificates of deposit - retail

     261,860       255,396       238,892       234,979       228,485  
    $ 1,242,081     $ 1,215,658     $ 1,232,931     $ 1,217,541     $ 1,199,412  
                                         

SELECTED AVERAGE BALANCES

                                        

Total average assets

   $ 1,453,697     $ 1,424,707     $ 1,432,964     $ 1,430,554     $ 1,430,931  

Total average interest–earning assets

     1,389,588       1,356,970       1,363,715       1,361,554       1,359,833  

Average loans

     779,302       825,988       870,896       908,908       964,827  

Average securities

     506,729       406,023       347,092       308,981       252,735  

Average stock in FHLB & FRB

     7,490       7,490       7,490       7,490       7,490  

Average other interest–earning assets

     96,067       117,469       138,237       136,175       134,781  

Total average interest–bearing liabilities

     1,036,236       1,021,963       1,024,008       1,016,350       1,020,434  

Average interest–bearing deposits

     1,003,728       988,704       986,215       977,619       977,529  

Average borrowings and Subordinated notes

     32,508       33,259       37,793       38,731       42,905  

Average stockholders’ equity

     156,982       157,599       156,891       159,454       158,540  
                                         

SELECTED YIELDS AND COST OF FUNDS (1)

                                        

Total average interest–earning assets

     4.77 %     4.77 %     4.85 %     4.88 %     4.94 %

Average loans

     5.21       5.17       5.23       5.15       5.07  

Average securities (TEB) (2)

     4.47       4.31       4.30       4.34       4.45  

Average other interest–earning assets

     4.45       4.54       4.57       4.95       5.46  

Total average interest–bearing liabilities

     1.94       1.91       1.91       1.96       2.04  

Average interest–bearing deposits

     1.87       1.84       1.82       1.88       1.94  

Average cost of total deposits

     1.52       1.50       1.47       1.52       1.57  

Average cost of retail and commercial deposits

     1.87       1.84       1.82       1.88       1.94  

Average cost of wholesale deposits, borrowings and Subordinated notes

     4.08       4.11       4.23       4.13       4.18  

Average cost of funds

     1.58       1.57       1.56       1.60       1.66  

Net interest rate spread

     2.83       2.86       2.94       2.92       2.90  

Net interest margin (TEB) (2)

     3.45       3.43       3.50       3.49       3.47  

 

(1)

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

 

Page 6
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

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

 

 

    2025     2024  
   

IIIQ

    

IIQ

    

IQ

    

IVQ

    

IIIQ

  

CAPITAL RATIOS

                                        

BankFinancial Corporation (1)

                                        

Equity to total assets (end of period)

     10.82 %     10.92 %     10.92 %     10.90 %     11.22 %

Risk–based total capital ratio

     24.80       24.30       23.57       21.79       21.56  

Common Tier 1 (CET1)

     21.14       20.66       20.28       18.70       18.53  

Risk–based tier 1 capital ratio

     21.14       20.66       20.28       18.70       18.53  

Tier 1 leverage ratio

     10.70       10.83       10.91       10.90       11.11  

Tier 1 capital

   $ 155,335     $ 154,159     $ 156,147     $ 155,832     $ 158,778  

BankFinancial, NA (2)

                                        

Risk–based total capital ratio

     23.58 %     22.95 %     22.02 %     20.08 %     19.96 %

Common Tier 1 (CET1)

     22.41       21.76       21.10       19.24       19.11  

Risk–based tier 1 capital ratio

     22.41       21.76       21.10       19.24       19.11  

Tier 1 leverage ratio

     11.36       11.44       11.38       11.23       11.48  

Tier 1 capital

   $ 164,256     $ 161,946     $ 161,901     $ 159,779     $ 163,355  
                                         

COMMON STOCK AND DIVIDENDS

                                        

Stock Prices:

                                        

Close

   $ 12.03     $ 11.57     $ 12.64     $ 12.70     $ 12.18  

High

     12.74       12.93       13.58       13.97       12.56  

Low

     10.68       11.17       11.53       11.36       10.01  

Common shares outstanding

     12,460,678       12,460,678       12,460,678       12,460,678       12,460,678  

Book value per share

   $ 12.63     $ 12.52     $ 12.64     $ 12.55     $ 12.77  

Cash dividends declared on common stock

   $ 0.10     $ 0.10     $ 0.10     $ 0.10     $ 0.10  

Dividend payout ratio

     52.82 %     (347.09 )%     59.88 %     (70.64 )%     62.52 %

Stock repurchases

   $ —     $ —     $ —     $ —     $ —  

Stock repurchases – shares

     —       —       —       —       —  
                                         

EARNINGS PER SHARE COMPUTATIONS

                                        

Net income (loss)

   $ 2,359     $ (359 )   $ 2,081     $ (1,764 )   $ 1,993  

Weighted average basic and dilutive common shares outstanding

     12,460,678       12,460,678       12,460,678       12,460,678       12,460,678  

Basic and diluted earnings (loss) per common share

   $ 0.19     $ (0.03 )   $ 0.17     $ (0.14 )   $ 0.16  

 

(1)

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.  

(2)

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.  

 

Page 7