SCHEDULE 13G/A 0000943374-25-000079 0002055420 XXXXXXXX LIVE 1 Common Stock, par value $0.01 per share 12/31/2025 0001302387 BV Financial, Inc. 05603E208 7114 North Point Road Baltimore MD 21219 Rule 13d-1(b) BayVanguard Bank Employee Stock Ownership Plan Trust b MD 666330 187569 842743 11156 853899 N 9.6 EP BV Financial, Inc. 7114 North Point Road, Baltimore, Maryland, 21219 BayVanguard Bank Employee Stock Ownership Plan Trust Trustee: Pentegra Trust Company c/o Pentegra Services 2 Enterprise Drive, Suite 408 Shelton, Connecticut 06484 Maryland N EP 853,899 9.6 666,330 187,569 842,743 11,156 Y Y Y Y Y N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11. BayVanguard Bank Employee Stock Ownership Plan Trust /s/ Paula Edmonds 02/11/2026