<SEC-DOCUMENT>0001303942-20-000008.txt : 20200214
<SEC-HEADER>0001303942-20-000008.hdr.sgml : 20200214
<ACCEPTANCE-DATETIME>20200214101259
ACCESSION NUMBER:		0001303942-20-000008
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20200214
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200214
DATE AS OF CHANGE:		20200214

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BankFinancial CORP
		CENTRAL INDEX KEY:			0001303942
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-51331
		FILM NUMBER:		20615042

	BUSINESS ADDRESS:	
		STREET 1:		15W060 NORTH FRONTAGE ROAD
		CITY:			BURR RIDGE
		STATE:			IL
		ZIP:			60527
		BUSINESS PHONE:		(800) 894-6900

	MAIL ADDRESS:	
		STREET 1:		15W060 NORTH FRONTAGE ROAD
		CITY:			BURR RIDGE
		STATE:			IL
		ZIP:			60527
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>bfin2020028-knel.htm
<DESCRIPTION>8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2020 Workiva -->
		<title>Document</title>
	</head>
	<body><div style="font-family:Times New Roman;font-size:10pt;">
<div><a name="sBF7E95FD523959BE8CC8D370D5DF7C0F"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:4px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;"><br></font></div><div style="line-height:120%;padding-top:4px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">WASHINGTON, D.C. 20549</font></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#160;</font><hr></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">FORM 8-K</font><font style="font-family:inherit;font-size:9pt;">&#160;</font></div><div style="line-height:120%;text-align:left;"><hr></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">CURRENT REPORT</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PURSUANT TO SECTION 13 OR 15(D) OF THE</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SECURITIES EXCHANGE ACT OF 1934</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Date of Report (Date of earliest event reported): </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">February&#160;14, 2020</font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">&#32;</font></div><div style="line-height:120%;text-align:left;"><hr></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:24pt;"><font style="font-family:inherit;font-size:24pt;font-weight:bold;">BANKFINANCIAL CORPORATION</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(Exact Name of Registrant as Specified in Charter)</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Commission File Number 0-51331</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;text-indent:120px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Maryland&#160;&#160;&#160;&#160;75-3199276</font></div><div style="line-height:120%;text-indent:120px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(State or Other Jurisdiction&#160;&#160;&#160;&#160;(I.R.S. Employer</font></div><div style="line-height:120%;text-indent:120px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">of Incorporation)&#160;&#160;&#160;&#160;Identification No.)</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">60 North Frontage Road, Burr Ridge, Illinois  60527</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Address of Principal Executive Offices)</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Registrant&#8217;s telephone number, including area code: (800)&#160;894-6900</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Not Applicable</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Former name, former address and former fiscal year, if changed since last report)</font><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:left;"><hr></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-indent:32px;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-indent:32px;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-indent:32px;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-indent:32px;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities registered pursuant to Section&#160;12(b) of the Act: </font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:95.1171875%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:36%;"></td><td style="width:1%;"></td><td style="width:17%;"></td><td style="width:1%;"></td><td style="width:45%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Title of each class</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Trading</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Symbol(s)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Name of each exchange on which registered</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Common Stock, par value $0.01 per share</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">BFIN</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The NASDAQ Stock Market LLC</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter). </font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Emerging growth company  </font><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.   </font><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="s63D153E4FC18584F99845AAD528D2B65"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:0px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Item 8.01</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Other Events.</font></div></td></tr></table><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">On </font><font style="font-family:inherit;font-size:11pt;">February&#160;14, 2020</font><font style="font-family:inherit;font-size:11pt;">, BankFinancial NA (&#8220;the Bank&#8221;), the national banking association subsidiary of BankFinancial Corporation (Nasdaq - BFIN) announced today the expansion of BankFinancial Equipment Finance.  BankFinancial Equipment Finance&#8217;s capabilities now include leasing to governmental, middle-market and small business lessees, as well as continuing its corporate leasing, lending, deposit and treasury management services to independent equipment lessors nationwide.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">BankFinancial Equipment Finance is led by Ms. Marci Slagle, President of BankFinancial Equipment Finance.  Ms. Slagle is a Certified Lease Finance Professional (CLFP) with over 20 years&#8217; experience in the commercial equipment leasing industry.  Ms. Slagle is a former member of the Equipment Finance and Lease Association Steering Committee - Middle Market Leasing and she is also an Executive Committee member and Past President of the CLFP Foundation. </font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The Bank also announced the expansion of BankFinancial Commercial Real Estate Capital Markets.  BankFinancial Commercial Real Estate Capital Markets provides a comprehensive array of commercial real estate loan, deposit and treasury solutions across virtually every asset type to investors and management companies on a national basis, as well as continuing its selective apartment building and commercial real estate portfolio in selected regional markets.</font></div><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">BankFinancial Commercial Real Estate is led by President John Manos, a 30-year veteran of national commercial real estate lending and Vicky Arroyo, Executive Vice President - Chicago, with two decades&#8217; experience in Chicago commercial real estate and community development lending, most recently with MB Financial Bank. The team now consists of 12 bankers located in Chicago, IL, Denver, CO, Dallas, TX and Tampa, FL with investor relationships nationwide.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">A copy of the press releases announcing these items are attached as Exhibit 99.1 and 99.2 to this report.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:0px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Item 9.01</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Financial Statements and Exhibits.</font></div></td></tr></table><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:left;text-indent:36px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(a)&#160;&#160;&#160;&#160;Not Applicable.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:left;text-indent:36px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(b)&#160;&#160;&#160;&#160;Not Applicable.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:left;text-indent:36px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(c)&#160;&#160;&#160;&#160;Not Applicable.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:left;text-indent:36px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(d)&#160;&#160;&#160;&#160;Exhibits.</font></div><div style="line-height:120%;padding-left:4px;padding-bottom:4px;text-align:left;padding-left:96px;text-indent:0px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:53.216374269005854%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:25%;"></td><td style="width:1%;"></td><td style="width:34%;"></td><td style="width:40%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-bottom:4px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Exhibit No.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-bottom:4px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Description</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-bottom:4px;text-align:justify;font-size:11pt;"><a style="font-family:inherit;font-size:11pt;" href="bfin202002nelprex991.htm"><font style="font-family:inherit;font-size:11pt;">99.1</font></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-bottom:4px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Press Release dated</font></div></td><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-bottom:4px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">February&#160;14, 2020</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-bottom:4px;text-align:justify;font-size:11pt;"><a style="font-family:inherit;font-size:11pt;" href="bfin202002creprex992.htm"><font style="font-family:inherit;font-size:11pt;">99.2</font></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-bottom:4px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Press Release dated</font></div></td><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-bottom:4px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">February&#160;14, 2020</font></div></td></tr></table></div></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="sD9E90D59EC1856C3929EADAF9F1F9F5C"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">SIGNATURES</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:7%;"></td><td style="width:20%;"></td><td style="width:15%;"></td><td style="width:5%;"></td><td style="width:22%;"></td><td style="width:31%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dated:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">February&#160;14, 2020</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">BANKFINANCIAL CORPORATION</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ F. Morgan Gasior</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">F. Morgan Gasior</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chairman of the Board and Chief Executive Officer</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</div></body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>bfin202002nelprex991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2020 Workiva -->
		<title>Exhibit</title>
	</head>
	<body><div style="font-family:Times New Roman;font-size:10pt;">
<div><a name="scce26ee157fc4130958213950b34be4f"></a></div><div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:174%;padding-bottom:8px;padding-top:0px;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit No. 99.1</font></div><div style="line-height:174%;padding-bottom:0px;padding-top:0px;text-align:left;"><img src="graphica02a32.jpg" alt="graphica02a32.jpg" style="height:52px;width:200px;"></div><div style="line-height:174%;padding-bottom:8px;padding-top:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:174%;padding-bottom:8px;padding-top:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">FOR IMMEDIATE RELEASE</font></div><div style="line-height:174%;padding-bottom:0px;padding-top:0px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">BankFinancial NA Announces Expansion of BankFinancial Equipment Finance </font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Burr Ridge, Illinois </font><font style="font-family:inherit;font-size:10pt;">- (February 14, 2020)  BankFinancial NA (&#8220;the Bank&#8221;), the national banking association subsidiary of BankFinancial Corporation (Nasdaq - BFIN) announced today the expansion of BankFinancial Equipment Finance.  BankFinancial Equipment Finance&#8217;s capabilities now include leasing to governmental, middle-market and small business lessees, as well as continuing its corporate leasing, lending, deposit and treasury management services to independent equipment lessors nationwide.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">BankFinancial Equipment Finance is led by Ms. Marci Slagle, President of BankFinancial Equipment Finance.  Ms. Slagle is a Certified Lease Finance Professional (CLFP) with over 20 years&#8217; experience in the commercial equipment leasing industry.  Ms. Slagle is a former member of the Equipment Finance and Lease Association Steering Committee - Middle Market Leasing and she is also an Executive Committee member and Past President of the CLFP Foundation.   </font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8220;BankFinancial already has a strong reputation in the corporate leasing segment of the market.  As we add the middle-market and small business capabilities, BankFinancial Equipment Finance now has a three-dimensional presence in the leasing market.  With the additional capability to provide bridge, warehouse and retained lease and residual equity credit facilities to the entire market, BankFinancial can now provide virtually every lease, loan and deposit product and service needed by independent equipment leasing companies.&#8221; said Ms. Slagle.  &#8220;I am tremendously excited to lead this organization, and especially, our highly experienced team, into its very bright future.&#8221;  </font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8220;The expansion of BankFinancial Equipment Finance into the middle-market and small-business segments significantly enhances the scope of our commercial equipment lease and finance originations, and further expands the opportunities available for new commercial lending, deposit and treasury services to the independent lessors in these segments.  Taken together, this expansion is expected to materially increase our commercial lease origination volumes during the course of 2020.&#8221; said F. Morgan Gasior, Chief Executive Officer of the Bank.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">BankFinancial's management will review fourth quarter 2019 results and new developments in a conference call and webcast for stockholders and analysts on </font><font style="font-family:inherit;font-size:10pt;">Wednesday, February&#160;19, 2020</font><font style="font-family:inherit;font-size:10pt;">&#32;at 9:30 a.m. Chicago, Illinois Time.  The conference call may be accessed by calling </font><font style="font-family:inherit;font-size:10pt;">(844) 413-1780</font><font style="font-family:inherit;font-size:10pt;">&#32;using participant passcode </font><font style="font-family:inherit;font-size:10pt;">7198886</font><font style="font-family:inherit;font-size:10pt;">.  The conference call will be simultaneously webcast at </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">www.bankfinancial.com</font><font style="font-family:inherit;font-size:10pt;">, &#8220;Investor Relations&#8221; page.  For those unable to participate in the conference call, the webcast will be archived through </font><font style="font-family:inherit;font-size:10pt;">Wednesday, March&#160;11, 2020</font><font style="font-family:inherit;font-size:10pt;">&#32;on our website.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">BankFinancial Corporation is the holding company for BankFinancial, NA, a national banking association providing financial services to individuals, families and businesses through 19 full-service banking offices, located in Cook, DuPage, Lake and Will Counties, Illinois and to selected commercial loan, lease and deposit customers on a regional or national basis. BankFinancial Corporation's common stock trades on the Nasdaq Global Select Market under the symbol BFIN. Additional information may be found at the company's website, </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">www.bankfinancial.com</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This release includes &#8220;forward-looking statements&#8221; as defined in the Private Securities Litigation Reform Act of 1995. A variety of factors could cause BankFinancial&#8217;s actual results to differ from those expected at the time of this release. For a discussion of some of the factors that may cause actual results to differ from expectations, please refer to BankFinancial&#8217;s most recent Annual Report on Form 10-K as filed with the SEC, as supplemented by subsequent filings with the SEC.  Investors are urged to review all information contained in these reports, including the risk factors discussed therein.  Copies of these filings are available at no cost on the SEC's web site at www.sec.gov or on BankFinancial&#8217;s web site at www.bankfinancial.com.  Forward looking statements speak only as of the date they are made, and we do not undertake to update them to reflect changes.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:39%;"></td><td style="width:1%;"></td><td style="width:60%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">For Further Information Contact:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Shareholder, Analyst and Investor Inquiries:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Media Inquiries:</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Elizabeth A. Doolan</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Senior Vice President - Finance</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;BankFinancial Corporation</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Telephone: 630-242-7151</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Gregg T. Adams</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">President - Marketing &amp; Sales</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">BankFinancial  NA</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Telephone: 630-242-7234</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</div></body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>bfin202002creprex992.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2020 Workiva -->
		<title>Exhibit</title>
	</head>
	<body><div style="font-family:Times New Roman;font-size:10pt;">
<div><a name="sdcac2b7a1940462397140b1ae39cebd9"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:174%;padding-bottom:8px;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit No. 99.2</font></div><div style="line-height:120%;"><img src="graphica02a21.jpg" alt="graphica02a21.jpg" style="height:52px;width:200px;"></div><div style="line-height:174%;padding-bottom:8px;padding-top:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">FOR IMMEDIATE RELEASE</font></div><div style="line-height:174%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">BankFinancial NA Announces Expansion of BankFinancial Commercial Real Estate Capital Markets</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Burr Ridge, Illinois </font><font style="font-family:inherit;font-size:10pt;">- (February 14, 2020) BankFinancial NA (&#8220;the Bank&#8221;), the national banking association subsidiary of BankFinancial Corporation (Nasdaq - BFIN) announced today the expansion of BankFinancial Commercial Real Estate Capital Markets.  BankFinancial Commercial Real Estate Capital Markets recently expanded its product line and commercial banking staff to provide a comprehensive array of commercial real estate loan, deposit and treasury solutions across virtually every asset type to investors and management companies on a national basis, as well as continuing its selective apartment building and commercial real estate portfolio in selected regional markets.  </font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">BankFinancial Commercial Real Estate is led by President John Manos, a 30-year veteran of national commercial real estate lending and Vicky Arroyo, Executive Vice President &#8211; Chicago, with two decades&#8217; experience in Chicago commercial real estate and community development lending, most recently with MB Financial Bank. The team currently consists of 12 commercial real estate bankers located in Chicago, IL, Denver, CO, Dallas, TX and Tampa, FL with investor relationships nationwide.  </font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8220;BankFinancial Commercial Real Estate Capital Markets now offers loan products from $1 million up to $20 million in multi-family, retail, office, self-storage, industrial, hospitality and healthcare, including higher-leverage bridge, construction, mezzanine and permanent financing available on a limited- or non-recourse basis.  Loan structures available include interest-only, balloon and full-amortization payments.  With our placement fee typically 50% less than our competition, our unique platform offers a cost-effective solution to all types of project sponsors on a national basis.&#8221; said John Manos, President of BankFinancial Commercial Real Estate.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8220;BankFinancial Commercial Real Estate Capital Markets capabilities enable us to focus on meeting the exact needs of the real estate investor, either through a Capital Markets credit product or with a bank loan portfolio solution, if eligible.   In this manner, we can benefit from increased non-interest income or higher interest income, and a greater return on investment with respect to human capital and marketing resources.  Taken together, this expansion is expected to materially improve commercial banking non-interest income and may create some additional growth opportunities with respect to our loan portfolios during 2020.&#8221; said F. Morgan Gasior, Chief Executive Officer of the Bank.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;BankFinancial's management will review fourth quarter 2019 results and new developments in a conference call and webcast for stockholders and analysts on </font><font style="font-family:inherit;font-size:10pt;">Wednesday, February&#160;19, 2020</font><font style="font-family:inherit;font-size:10pt;">&#32;at 9:30 a.m. Chicago, Illinois Time.  The conference call may be accessed by calling </font><font style="font-family:inherit;font-size:10pt;">(844) 413-1780</font><font style="font-family:inherit;font-size:10pt;">&#32;using participant passcode </font><font style="font-family:inherit;font-size:10pt;">7198886</font><font style="font-family:inherit;font-size:10pt;">.  The conference call will be simultaneously webcast at </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">www.bankfinancial.com</font><font style="font-family:inherit;font-size:10pt;">, &#8220;Investor Relations&#8221; page.  For those unable to participate in the conference call, the webcast will be archived through </font><font style="font-family:inherit;font-size:10pt;">Wednesday, March&#160;11, 2020</font><font style="font-family:inherit;font-size:10pt;">&#32;on our website.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">BankFinancial Corporation is the holding company for BankFinancial, NA, a national banking association providing financial services to individuals, families and businesses through 19 full-service banking offices, located in Cook, DuPage, Lake and Will Counties, Illinois and to selected commercial loan, lease and deposit customers on a regional or national basis. BankFinancial Corporation's common stock trades on the Nasdaq Global Select Market under the symbol BFIN. Additional information may be found at the company's website, </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">www.bankfinancial.com</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:justify;text-indent:36px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This release includes &#8220;forward-looking statements&#8221; as defined in the Private Securities Litigation Reform Act of 1995. A variety of factors could cause BankFinancial&#8217;s actual results to differ from those expected at the time of this release. For a discussion of some of the factors that may cause actual results to differ from expectations, please refer to BankFinancial&#8217;s most recent Annual Report on Form 10-K as filed with the SEC, as supplemented by subsequent filings with the SEC.  Investors are urged to review all information contained in these reports, including the risk factors discussed therein.  Copies of these filings are available at no cost on the SEC's web site at www.sec.gov or on BankFinancial&#8217;s web site at www.bankfinancial.com.  Forward looking statements speak only as of the date they are made, and we do not undertake to update them to reflect changes.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:39%;"></td><td style="width:1%;"></td><td style="width:60%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">For Further Information Contact:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Shareholder, Analyst and Investor Inquiries:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Media Inquiries:</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Elizabeth A. Doolan</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Senior Vice President - Finance</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;BankFinancial Corporation</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Telephone: 630-242-7151</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Gregg T. Adams</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">President - Marketing &amp; Sales</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">BankFinancial  NA</font></div><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Telephone: 630-242-7234</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</div></body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>graphica02a21.jpg
<TEXT>
begin 644 graphica02a21.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ - #) P$1  (1 0,1 ?_$ 'H   $% 0$! 0$
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M^S/^G0.[ ++KBUV N5U=/X59,7.-&G*DD"E+'+V$Q06$ S" .\?7." 1Y8#
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MO;6"[+G>/O!8$RL)ZFIAKLA@)#8HDS$.7B488 N+H)S<@IB %)A""::85XA
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:/T3W/G>WT$P>@.@.@.@.@.@.@.@.@.@__]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>graphica02a32.jpg
<TEXT>
begin 644 graphica02a32.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@ - #) P$1  (1 0,1 ?_$ 'H   $% 0$! 0$
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M^S/^G0.[ ++KBUV N5U=/X59,7.-&G*DD"E+'+V$Q06$ S" .\?7." 1Y8#
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MO;6"[+G>/O!8$RL)ZFIAKLA@)#8HDS$.7B488 N+H)S<@IB %)A""::85XA
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:/T3W/G>WT$P>@.@.@.@.@.@.@.@.@.@__]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
