ESOP for BV Financial (NASDAQ: BVFL) reports 9.6% stake filing

Rhea-AI Filing Summary

BayVanguard Bank Employee Stock Ownership Plan Trust, with Pentegra Trust Company as trustee, reports beneficial ownership of 853,899 shares of BV Financial, Inc. common stock, representing 9.6% of the class.

The trust has sole voting power over 666,330 shares and shared voting power over 187,569 shares. It has sole dispositive power over 842,743 shares and shared dispositive power over 11,156 shares. The filer certifies the shares are held in the ordinary course of business and not for the purpose of changing or influencing control of BV Financial.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

BV Financial, Inc.

(Name of Issuer)

Common Stock, par value $0.01 per share

(Title of Class of Securities)

05603E208

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 05603E208

1

Names of Reporting Persons

BayVanguard Bank Employee Stock Ownership Plan Trust

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

MARYLAND

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 666,330.00
6	Shared Voting Power 187,569.00
7	Sole Dispositive Power 842,743.00
8	Shared Dispositive Power 11,156.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

853,899.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

9.6 %

12

Type of Reporting Person (See Instructions)

EP

SCHEDULE 13G

Item 1.
(a)	Name of issuer: BV Financial, Inc.
(b)	Address of issuer's principal executive offices: 7114 North Point Road, Baltimore, Maryland, 21219
Item 2.
(a)	Name of person filing: BayVanguard Bank Employee Stock Ownership Plan Trust Trustee: Pentegra Trust Company
(b)	Address or principal business office or, if none, residence: c/o Pentegra Services 2 Enterprise Drive, Suite 408 Shelton, Connecticut 06484
(c)	Citizenship: Maryland
(d)	Title of class of securities: Common Stock, par value $0.01 per share
(e)	CUSIP No.: 05603E208
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 853,899
(b)	Percent of class: 9.6 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 666,330
	(ii) Shared power to vote or to direct the vote: 187,569
	(iii) Sole power to dispose or to direct the disposition of: 842,743
	(iv) Shared power to dispose or to direct the disposition of: 11,156
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

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.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

BayVanguard Bank Employee Stock Ownership Plan Trust

Signature:	/s/ Paula Edmonds
Name/Title:	Paula Edmonds, Senior Vice President, Pentegra Trust Company, Trustee
Date:	02/11/2026

FAQ

How many BV Financial (BVFL) shares does the ESOP trust beneficially own?

The BayVanguard Bank Employee Stock Ownership Plan Trust beneficially owns 853,899 shares of BV Financial common stock, according to the filing. This holding represents 9.6% of the company’s outstanding common stock as disclosed in the Schedule 13G/A amendment.

What percentage of BV Financial’s common stock is held by the ESOP trust?

The ESOP trust holds 9.6% of BV Financial’s common stock. This percentage is based on its beneficial ownership of 853,899 shares, as reported in the Schedule 13G/A, indicating a significant but non-controlling institutional stake in the company.

Who is the reporting person in the BV Financial (BVFL) Schedule 13G/A filing?

The reporting person is the BayVanguard Bank Employee Stock Ownership Plan Trust, with Pentegra Trust Company serving as trustee. The trust is organized in Maryland and files as an institutional holder of BV Financial’s common stock under Schedule 13G/A.

How much voting power does the ESOP trust have over BV Financial shares?

The ESOP trust has sole voting power over 666,330 shares and shared voting power over 187,569 shares. These figures outline how many BV Financial shares the trust can vote independently versus jointly, as disclosed in the ownership breakdown.

What dispositive power does the ESOP trust report over BV Financial (BVFL) shares?

The ESOP trust reports sole dispositive power over 842,743 shares and shared dispositive power over 11,156 shares. Dispositive power refers to the authority to sell or otherwise decide the disposition of these BV Financial common shares.

Is the ESOP trust seeking to influence control of BV Financial?

No. The filing certifies the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of BV Financial, nor in connection with any transaction having that purpose or effect.

Who signed the BV Financial (BVFL) Schedule 13G/A on behalf of the ESOP trust?

The Schedule 13G/A was signed by Paula Edmonds, Senior Vice President of Pentegra Trust Company, acting as trustee for the BayVanguard Bank Employee Stock Ownership Plan Trust. The signature certifies the accuracy of the reported ownership information.