We had no exposure to commercial office space, no construction loans, and $13.7 million in performing loans to the hospitality industry.

filing / Aug 10, 2026 / receipt

● the effects of any federal government shutdown or reduction in force; ● competition and innovation with respect to financial products and services by banks, financial institutions and non-traditional providers, including retail businesses and technology companies; ● changes in our organization and management and our ability to retain or expand our management team and our board of directors, as necessary; ● th

filing / Aug 10, 2026 / receipt

(“Signature”) by receiving shareholder and regulatory approvals and integrate into our operations Signature’s assets, liabilities or systems we acquired, as well as new management personnel or customers, and our ability to realize related revenue synergies and cost savings within expected time frames and any goodwill charges related thereto;

filing / May 11, 2026 / receipt

We had no exposure to commercial office space, no construction loans, and $13.9 million in performing loans to the hospitality industry.

filing / May 11, 2026 / receipt

● the effects of any federal government shutdown or reduction in force; ● competition and innovation with respect to financial products and services by banks, financial institutions and non-traditional providers, including retail businesses and technology companies; ● changes in our organization and management and our ability to retain or expand our management team and our board of directors, as necessary; ● th

filing / May 11, 2026 / receipt

In addition, the actual cost savings of the merger could be less than anticipated, and integration may result in additional and unforeseen expenses.

filing / May 11, 2026 / receipt

investing in resources (employees, technology, and marketing) for future growth

ir_statement / Sep 15, 2026 / receipt