BV Financial Inc 2025年度报告

ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2025 OR ☐TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from _______________ to _______________ Commission File Number 001-41764 A.Full title of the plan and the address of the plan, if different from that of the issuer named below: BayVanguard Bank 401(k) Profit Sharing Plan B:Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: BV Financial, Inc.7114 North Point RoadBaltimore, Maryland 21219 REQUIRED INFORMATION 1.Not applicable. 2.Not applicable. 3.Not applicable. 4.The BayVanguard Bank 401(k) Profit Sharing Plan (the “Plan”), is subject to the requirements of the Employee Retirement Income Security Actof 1974 (“ERISA”). Pursuant to Section103(c) of ERISA and the requirements thereunder, the Plan is not required to file audited financialstatements because the Plan has fewer than 100 participants. The following financial statements are filed as part of this annual report for the Planand appear immediately after the signature page hereof: Schedule I to Form 5500 Annual Return/Report of Employee Benefit Plan of the Plan year ended December31, 2025. SIGNATURES The Plan.Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefitplan) have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized. BAYVANGUARD BANK 401(k) PROFIT SHARING PLAN By:/s/ Michael J. DeeMichael J. DeeExecutive Vice President and Chief Financial Officer Date: July6, 2026 ISmall Plan Financial Information Report below the current value of assets and liabilities, income, expenses, transfers and changes in net assets during the plan year. Combine the value of plan assets held in more than onetrust. Do not enter the value of the portion of an insurance contract that guarantees during this plan year to pay a specific dollar benefit at a future date. Include all income and expenses of theplan including any trust(s) or separately maintained fund(s) and any payments/receipts to/from insurance carriers.Round off amounts to the nearest dollar. 3Specific Assets:If the plan held assets at any time during the plan year in any of the following categories, check ‘‘Yes” and enter the current value of any assets remaining in the plan as ofthe end of the plan year. Allocate the value of the plan’s interest in a commingled trust containing the assets of more than one plan on a line-by-line basis unless the trust meets one of thespecific exceptions described in the instructions. Table of Contents