VWFB VWF Bancorp Inc (QX)

(Check one):

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☐ Form 10-K

☐ Form 20-F

☐ Form 11-K

⌧ Form 10-Q

☐ Form 10-D

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☐ Form N-CEN

☐ Form N-CSR

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For Period Ended:

September 30, 2023

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☐ Transition Report on Form 10-K

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☐ Transition Report on Form 20-F

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☐ Transition Report on Form 11-K

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☐ Transition Report on Form 10-Q

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For the Transition Period Ended:

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Read Instructions (on back page) Before Preparing Form. Please Print or Type.
Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.

VWF Bancorp, Inc.

Full Name of Registrant

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Former Name if Applicable

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976 S. Shannon St.

Address of Principal Executive Office (Street and Number)

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Van Wert, Ohio 45891

City, State and Zip Code

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(a)

The reason described in reasonable detail in Part III of this form could not be eliminated without unreasonable effort or expense

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(b)

The subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, Form 11-K, Form N-CEN or Form N-CSR, or portion thereof, will be filed on or before the fifteenth calendar day following the prescribed due date; or the subject quarterly report or transition report on Form 10-Q or subject distribution report on Form 10-D, or portion thereof, will be filed on or before the fifth calendar day following the prescribed due date; and

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(c)

The accountant’s statement or other exhibit required by Rule 12b-25(c) has been attached if applicable.

(1)

Name and telephone number of person to contact in regard to this notification

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Richard W. Brackin

419

238-9662

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(Name)

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(Area Code)

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(Telephone Number)

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(2)

Have all other periodic reports required under Section 13 or 15(d) of the Securities Exchange Act of 1934 or Section 30 of the Investment Company Act of 1940 during the preceding 12 months or for such shorter period that the registrant was required to file such report(s) been filed? If answer is no, identify report(s).

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⌧ Yes    ☐ No

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(3)

Is it anticipated that any significant change in results of operations from the corresponding period for the last fiscal year will be reflected by the earnings statements to be included in the subject report or portion thereof?

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⌧ Yes    ☐ No

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If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if appropriate, state the reasons why a reasonable estimate of the results cannot be made.

Based on the Company’s estimates, it expects to report (i) an increase in total interest income to $2,080,745 for the three months ended September 30, 2023 compared to $1,021,171 for the three months ended September 30, 2022, (ii) an increase in interest expense to $996,314 for the three months ended September 30, 2023 compared to $71,213 for the three months ended September 30, 2022, (iii) an increase in total noninterest expense to $1,562,643 for the three months ended September 30, 2023 compared to $822,887 for the three months ended September 30, 2022. The increase in noninterest expense is related to increases in salaries and benefits expense as we continue to add employees in an effort to build out the necessary areas of the bank to support our overall goal of developing into a regional commercial bank, an increase in marketing and branding expense, and certain one-time expenses and (iv) an increase in net loss to $358,353 for the three months ended September 30, 2023 compared to net income of $154,777 for the three months ended September 30, 2022.

Date

November 13, 2023

By

/s/ Richard W. Brackin, Chief Financial Officer and Treasurer

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ATTENTION

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Intentional misstatements or omissions of fact constitute Federal Criminal Violations (See 18 U.S.C. 1001).