BV Financial, Inc. is a bank holding company that operates BayVanguard Bank, a community bank headquartered in Baltimore serving the Baltimore metropolitan area and Eastern Shore of Maryland through 12 branch offices. The Bank attracts retail and commercial deposits and originates a diversified portfolio of loans, including residential mortgages, commercial real estate, construction, farm, marine, and consumer loans, with particular emphasis on real estate-backed lending. Revenue derives primarily from net interest income—the spread between interest earned on loans and investment securities and interest paid on deposits—supplemented by service fees on deposit accounts and other non-interest income, with funding sourced mainly from customer core deposits and Federal Home Loan Bank borrowings.