3 unchanged sentences
The following table provides information regarding the Company’s financial instruments that are sensitive to changes in interest rates.
−Removed: For loans, securities and liabilities with contractual maturities, the table presents principal cash flows and related weighted-average interest rates by contractual maturities, as well as the Company’s assumptions relative to the impact of interest-rate fluctuations on the prepayment of certain commercial, residential and home equity loans and mortgage-backed securities.
+Added: For loans, securities and liabilities with contractual maturities, the table presents principal cash flows and related weighted-average interest rates by contractual maturities, as well as the Company’s assumptions relative to the impact of interest-rate fluctuations on the prepayment of loans and mortgage-backed securities.
Core deposits such as noninterest bearing deposits, interest bearing checking, savings and money market deposits that have no contractual maturity, are shown based on management’s judgment and historical experience that indicates some portion of the balances are retained over time.
37 unchanged sentences
at December 31, 2025
+Added: 191.9 % 152.7 % 139.9 % 91.3 % 68.1 % 54.0 %
at December 31, 2024
+Added: 177.1 % 208.1 % 175.8 % 135.4 % 99.2 % 51.6 %
The Company utilizes computer modeling software to measure interest rate risk and to stress test the balance sheet under a wide variety of interest rate scenarios.
5 unchanged sentences
GAP/Interest Rate Sensitivity Reports and Net Interest Income Simulation Modeling, which are constructed, presented and monitored quarterly.
−Removed: Management believes that the Company’s liquidity and interest sensitivity position at December 31, 2024, remained adequate to meet the Company’s primary goal of achieving optimum interest margins while
−Removed: avoiding undue interest rate risk.
+Added: Management believes that the Company’s liquidity and interest sensitivity position at December 31, 2025, remained adequate to meet the Company’s primary goal of achieving optimum interest margins while avoiding undue interest rate risk.
The Company places a greater level of credence in net interest income simulation modeling.
25 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.