9 unchanged sentences
rate loans caused by changes in interest rates.
−Removed: Refer to Note 9 to the Consolidated Financial Statements in this report.
+Added: Refer to Note 10, Derivative Financial Instruments and Hedging Activities, to the consolidated financial statements in this Form 10-Q.
ALCO and the Board of Directors review our exposure to interest rate risk at least quarterly.
3 unchanged sentences
Governing policies are subject to review by regulators and are updated to incorporate their observations and adapt to changes in idiosyncratic and systemic risks.
−Removed: As of September 30, 2025, interest rate risk was within policy guidelines established by ALCO and the Board.
+Added: As of March 31, 2026, interest rate risk was within the policy guidelines established by ALCO and the Board.
One set of interest rates modeled and evaluated against flat interest rates and a static balance sheet is a series of immediate parallel shifts in the yield curve.
21 unchanged sentences
Treasury rates that result in changes to the shape of the yield curve could produce different results from those presented in the table.
−Removed: While not presented here, interest rate risk scenarios include yield curve steepening, flattening and twists.
+Added: While not presented here, interest rate risk scenarios may also include yield curve ramps, steepening, flattening and twists.
Accordingly, the results presented should not be relied upon as indicative of actual results in the event of changing market interest rates.
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.