EXHIBIT 32
Certification by the Principal Executive Officer and Principal Financial Officer Pursuant
to 18 U.S.C. Section 1350, as Adopted Pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002
Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, the undersigned officer of PSB Financial, Inc., a Maryland corporation (the “Company”), does hereby certify that:
1. | The accompanying Quarterly Report of the Company on Form 10-Q for the quarter ended June 30, 2026 (the “Report”) fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and |
2. | Information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. |
Dated: August 14, 2026 | /s/ Phillip K. Willett |
| Phillip K. Willett |
| President and Chief Executive Officer (Principal Executive Officer and Principal Financial Officer) |