SCHEDULE 13G/A 0002054698 XXXXXXXX LIVE 1 Common Stock, par value $0.01 per share 12/31/2025 0001337068 Magyar Bancorp, Inc. 55977T208 400 Somerset Street New Brunswick NJ 08901 Rule 13d-1(b) Magyar Bank Employee Stock Ownership Plan Trust b NJ 253602 191698 366204 79096 445300 N 6.9 EP Magyar Bancorp, Inc. 400 Somerset Street, New Brunswick, New Jersey, 08901 Magyar Bank, Employee Stock Ownership Plan Trust, Trustee: TI-Trust, Inc. c/o TI-Trust, Inc., 2900 North 23rd Street, Quincy, Illinois 62305 New Jersey N EP 445,300 6.9% 253,602 191,698 366,204 79,096 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. Magyar Bank Employee Stock Ownership Plan Trust /s/ Craig Baker 02/04/2026