What changed 10-Q

Item 1A. Risk Factors

2023-08-08 compared with 2023-05-10 · 1 added, 1 removed, 8 unchanged (20% of the section changed)

3 unchanged sentences

These developments have negatively impacted customer confidence in smaller banks, which could prompt customers to move their deposits to larger financial institutions.

Further, competition for and costs of deposits has similarly increased, putting pressure on net interest margin.

Further, competition for and costs of deposits have similarly increased, putting pressure on net interest margin.

While we have taken actions to improve our costs of funds, there is no guarantee that such actions will be successful or sufficient in the current or future market.

3 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.