diff --git a/fs/buffer.c b/fs/buffer.c
index ed966fa73b1b..fa55a507835a 100644
--- a/fs/buffer.c
+++ b/fs/buffer.c
@@ -1070,12 +1070,16 @@ EXPORT_SYMBOL(__bforget);
 static void buffer_set_crypto_ctx(struct bio *bio, const struct buffer_head *bh,
 				  gfp_t gfp_mask)
 {
-	const struct address_space *mapping = folio_mapping(bh->b_folio);
+	const struct address_space *mapping;
 
 	/*
 	 * The ext4 journal (jbd2) can submit a buffer_head it directly created
-	 * for a non-pagecache page.  fscrypt doesn't care about these.
+	 * for memory that is not in the page cache at all.  fscrypt doesn't
+	 * care about these.
 	 */
+	if (!bh->b_folio)
+		return;
+	mapping = folio_mapping(bh->b_folio);
 	if (!mapping)
 		return;
 	fscrypt_set_bio_crypt_ctx(bio, mapping->host,
@@ -1107,7 +1111,8 @@ static void __bh_submit(struct buffer_head *bh, blk_opf_t opf,
 
 	bio = bio_alloc(bh->b_bdev, 1, opf, GFP_NOIO);
 
-	if (folio_test_dropbehind(bh->b_folio) && op_is_write(opf))
+	if (bh->b_folio && folio_test_dropbehind(bh->b_folio) &&
+	    op_is_write(opf))
 		bio_set_flag(bio, BIO_COMPLETE_IN_TASK);
 
 	if (IS_ENABLED(CONFIG_FS_ENCRYPTION))
@@ -1116,7 +1121,11 @@ static void __bh_submit(struct buffer_head *bh, blk_opf_t opf,
 	bio->bi_iter.bi_sector = bh->b_blocknr * (bh->b_size >> 9);
 	bio->bi_write_hint = write_hint;
 
-	bio_add_folio_nofail(bio, bh->b_folio, bh->b_size, bh_offset(bh));
+	if (bh->b_folio)
+		bio_add_folio_nofail(bio, bh->b_folio, bh->b_size,
+				     bh_offset(bh));
+	else
+		bio_add_virt_nofail(bio, bh->b_data, bh->b_size);
 
 	bio->bi_end_io = end_bio;
 	bio->bi_private = bh;
@@ -1126,7 +1135,8 @@ static void __bh_submit(struct buffer_head *bh, blk_opf_t opf,
 
 	if (wbc) {
 		wbc_init_bio(wbc, bio);
-		wbc_account_cgroup_owner(wbc, bh->b_folio, bh->b_size);
+		if (bh->b_folio)
+			wbc_account_cgroup_owner(wbc, bh->b_folio, bh->b_size);
 	}
 
 	blk_crypto_submit_bio(bio);