Provident Financial Holdings, Inc.

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Provident Financial Holdings, Inc. (the "Corporation"), the holding company for Provident Savings Bank, F.S.B. (the "Bank"), announced that Donavon P. Ternes has been appointed, beginning July 23, 2026, to serve on the Boards of Directors of the Corporation and the Bank to fill the vacancies resulting from the death of Director William E. Thomas in April 2026. Mr. Ternes will serve until the Corporation’s 2027 Annual Meeting of Stockholders and the Bank’s 2026 Annual Meeting of Stockholders Mr. Ternes has been the President and Chief Executive Officer of the Corporation and Bank since January 2024 and joined the Corporation and Bank in November 2000 as Senior Vice President and Chief Financial Officer. Mr. Ternes has held various positions within the Corporation and Bank with increasing duties and responsibilities including, Chief Operating Officer and Corporate Secretary, among others. Additionally, the Bank announced the appointment of Michael S. Van Stockum, age 63, as Senior Vice President and Chief Lending Officer of the Bank effective July 23, 2026. Mr. Van Stockum has more than 40 years of experience across commercial, multifamily, construction and SBA lending, loan administration, underwriting, regulatory compliance, and enterprise-level credit management. Since joining the Bank in 2007, Mr. Van Stockum has assumed increasing duties and responsibilities including his most recent position of Vice President, Commercial Real Estate Loan Administrator and Community Reinvestment Act Officer. There are no family relationships between Mr. Van Stockum and any director or executive officer of the Corporation and the Bank. Mr. Van Stockum has not engaged in any transaction with the Corporation or the Bank that would be reportable as a related party transaction under the rules of the Securities and Exchange Commission.