21 unchanged sentences
• the sale of a vast majority of longer-term fixed-rate residential loans in the secondary market with retained servicing;
−Removed: • managing our funding needs growing core deposits;
+Added: • managing our funding needs by growing core deposits;
• utilize brokered certificate of deposits and borrowings as appropriate, which may have fixed rates with varying maturities;
1 unchanged sentence
At times, depending on the level of general interest rates, the relationship between long- and short-term interest rates, market conditions and competitive factors, the ALCO may determine to increase the Bank’s interest rate risk position somewhat in order to maintain or improve its net interest margin.
−Removed: The following table sets forth, at September 30, 2025 and December 31, 2024, an analysis of our interest rate risk as measured by the estimated changes in Economic Value of Equity (“EVE”) resulting from an immediate and permanent shift in the yield curve (up 300 basis points and down 200 basis points).
+Added: The following table sets forth, at March 31, 2026 and December 31, 2025, an analysis of our interest rate risk as measured by the estimated changes in Economic Value of Equity (“EVE”) resulting from an immediate and permanent shift in the yield curve (up 300 basis points and down 200 basis points).
Percent Change in Economic Value of Equity (EVE)
Change in Interest Rates in Basis Points (“bp”)
−Removed: Rate Shock in Rates (1) At September 30, 2025
+Added: Rate Shock in Rates (1) At March 31, 2026
At December 31, 2025
7 unchanged sentences
This analysis assesses the risk of change in our net interest income over the next 12 months in the event of an immediate and parallel shift in the yield curve (up 300 basis points and down 200 basis points).
−Removed: The table below presents our projected change in net interest income for the various rate shock levels at September 30, 2025, and December 31, 2024.
+Added: The table below presents our projected change in net interest income for the various rate shock levels at March 31, 2026, and December 31, 2025.
Percent Change in Net Interest Income Over One Year Horizon
Change in Interest Rates in Basis Points (“bp”)
−Removed: Rate Shock in Rates (1) At September 30, 2025
+Added: Rate Shock in Rates (1) At March 31, 2026
At December 31, 2025
11 unchanged sentences
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.