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  <xs:element name="CommercialPortfolioSegmentExcludingSBALoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_CommercialPortfolioSegmentExcludingSBALoansMember"/>
  <xs:element name="CommonStockHeldByESOPMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_CommonStockHeldByESOPMember"/>
  <xs:element name="DCGovernmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_DCGovernmentMember"/>
  <xs:element name="DCHousingMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_DCHousingMember"/>
  <xs:element name="DepositsTotalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_DepositsTotalMember"/>
  <xs:element name="FederalReserveBankDiscountWindowMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_FederalReserveBankDiscountWindowMember"/>
  <xs:element name="FiveCustomersMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_FiveCustomersMember"/>
  <xs:element name="LongTermIncentivePlanParticipantsExcludingDirectorsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_LongTermIncentivePlanParticipantsExcludingDirectorsMember"/>
  <xs:element name="MultifamilyLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_MultifamilyLoanMember"/>
  <xs:element name="NonvotingClassBCommonStockMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_NonvotingClassBCommonStockMember"/>
  <xs:element name="NonvotingClassCCommonStockMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_NonvotingClassCCommonStockMember"/>
  <xs:element name="OneCustomerMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_OneCustomerMember"/>
  <xs:element name="OtherFinancialInstitutionsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_OtherFinancialInstitutionsMember"/>
  <xs:element name="PreferredStockNonVotingMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_PreferredStockNonVotingMember"/>
  <xs:element name="SecuritiesSoldUnderAgreementsToRepurchaseTotalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_SecuritiesSoldUnderAgreementsToRepurchaseTotalMember"/>
  <xs:element name="SingleFamilyLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_SingleFamilyLoanMember"/>
  <xs:element name="SmallBusinessAdministrationLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_SmallBusinessAdministrationLoanMember"/>
  <xs:element name="SmallBusinessAdministrationSecuritiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_SmallBusinessAdministrationSecuritiesMember"/>
  <xs:element name="TwoThousandEighteenLtipMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_TwoThousandEighteenLtipMember"/>
  <xs:element name="VotingClassACommonStockMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_VotingClassACommonStockMember"/>
  <xs:element name="VotingCommonStockMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_VotingCommonStockMember"/>
  <xs:element name="WatchMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_WatchMember"/>
  <xs:element name="ESOPPlanAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_ESOPPlanAbstract"/>
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  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="byfc_DocumentAndEntityInformationAbstract"/>
</xs:schema>
