Provident Financial Holdings Reports Q2 FY26 Results: Net Income Down 15% but Up 65% YoY, Net Interest Margin Up 12 Basis Points YoY.

Provident Financial Holdings reported a net income of $1.44 million in Q2 FY26, down 15% from Q1 FY26 but up 65% from the same period last year. Net interest margin increased to 3.03%, up 3 basis points from the previous quarter and 12 basis points from the same period last year. Loans held for investment were $1.04 billion, down 1% from Q1 FY26, while total deposits were $872.4 million, down 2% from Q1 FY26. Non-performing assets to total assets ratio was 0.08%, down from 0.11% in Q1 FY26.