7 unchanged sentences
These risks are discussed more fully after the summary, and risks include, but are not limited to, the following:
−Removed: • Current uncertain economic conditions (both domestic and international) pose challenges, and could adversely affect our business, financial condition and results of operations;
+Added: • Current uncertain economic conditions (both domestic and international) and increased geopolitical risks pose challenges, and could adversely affect our business, financial condition and results of operations;
• Changes in interest rates could have an adverse impact on our results of operations and financial condition including decreased net interest margin, impact on loan demand, competition for, and increased cost of funding, deposits, and the value of our securities portfolio (including any losses recognized);
13 unchanged sentences
• Our ability to maintain our reputation is critical to the success of our business;
−Removed: • Risks related to ESG strategies and initiatives, the scope and pace of which could alter our reputation and shareholder, associate, customer and third-party affiliations;
+Added: • Risks related to sustainability strategies and initiatives, the scope and pace of which could alter our reputation and shareholder, associate, customer and third-party affiliations;
• Our business has grown rapidly, and we may not be able to maintain our historical rate of growth, which could have an adverse effect on our ability to successfully implement our business strategy;
14 unchanged sentences
Risks Related to Our Business
−Removed: Current uncertain economic conditions pose challenges, and could adversely affect our business, financial condition and results of operations.
+Added: Current uncertain economic conditions and increased geopolitical risks pose challenges, and could adversely affect our business, financial condition and results of operations.
We are operating in an uncertain economic environment.
3 unchanged sentences
We could also face the following risks in connection with the following events:
−Removed: • inflationary pressures remained elevated throughout 2023 and 2024, and may to continue into 2025;
+Added: • inflationary pressures remained elevated throughout 2024 and 2025, and may continue into 2026;
• market developments, economic stagnation or slowdowns, and tariffs are expected to affect consumer confidence levels and may cause adverse changes in payment patterns, resulting in increased delinquencies and default rates on loans and other credit facilities;
10 unchanged sentences
If these conditions or similar ones continue to exist or worsen, we could experience adverse effects on our financial condition.
+Added: Unstable global economic conditions may have serious adverse consequences on our business, financial condition, and operations.
+Added: The global credit and financial markets have from time to time experienced extreme volatility and disruptions, including severely diminished liquidity and credit availability, declines in consumer confidence, declines in economic growth, increases in unemployment rates, high rates of inflation, and uncertainty about economic stability.
+Added: The financial markets and the global economy may also be adversely affected by the current or anticipated impact of military conflict, including uncertainty surrounding the impact of the United States’ involvement in the Venezuelan government, the ongoing wars in the Ukraine and the Middle East, which have increased volatility in commodity and energy prices, created supply chain issues and caused instability in financial markets, all of which may continue or worsen in the future.
+Added: Sanctions imposed by the United States and other countries in response to such conflicts could further adversely impact the financial markets and the global economy, and any economic countermeasures by the affected countries or others could exacerbate market and economic instability.
+Added: There can be no assurance that further deterioration in markets and confidence in economic conditions will not occur.
+Added: Our general business strategy may be adversely affected by any such economic downturn, volatile business environment, hostile third-party action, or continued unpredictable and unstable market conditions.
Changes in interest rates could have an adverse impact on our results of operations and financial condition.
−Removed: Significant increases in market interest rates on loans, or the perception that an increase may occur, could adversely affect both our ability to originate new loans and our ability to grow.
+Added: Significant increases or decreases in market interest rates, or the perception that such a change may occur, could adversely affect our business.
In response to growing signs of inflation, the Federal Reserve rapidly increased interest rates during 2022 and 2023 and took further actions to mitigate inflationary pressures.
These interest rate changes had a number of negative effects on our business, including reducing the value of our securities portfolio, increasing our interest rate expense, and decreasing demand for new loans, particularly residential mortgages.
+Added: The Federal Reserve began reducing interest rates in 2024, but the future direction of interest rate changes remain unclear as inflation remains above target.
Future rapid changes in interest rates, in either direction, may make it difficult for us to balance our loan and deposit portfolios, which may adversely affect our results of operations by, for example, reducing asset yields or spreads, or having other adverse impacts on our business.
−Removed: Decreases in interest rates could result in an acceleration of loan prepayments.
−Removed: Continued increased market interest rates could also adversely affect the ability of our floating-rate borrowers to meet their higher payment obligations.
+Added: Decreases in interest rates, such as those that occurred in 2024 and 2025, could result in an acceleration of loan prepayments.
+Added: Increased market interest rates could also adversely affect the ability of our floating-rate borrowers to meet their higher payment obligations.
If this occurred, it could cause an increase in nonperforming assets and charge-offs, which could adversely affect our business.
10 unchanged sentences
Similarly, when interest-earning assets mature or reprice more quickly, or to a greater degree than interest-bearing liabilities, falling interest rates could reduce net interest income.
−Removed: Changes in market values of investment securities classified as available for sale are impacted by higher rates and can negatively impact our other comprehensive (loss) income and equity levels through accumulated other comprehensive (loss) income, which includes net unrealized gains and losses on those securities.
+Added: Changes in market values of investment securities classified as available for sale are impacted by changes in interest rates and can negatively impact our other comprehensive (loss) income and equity levels through accumulated other comprehensive (loss) income, which includes net unrealized gains and losses on those securities.
Further, such losses could be realized into earnings should liquidity and/or business strategy necessitate the sales of securities in a loss position.
−Removed: Additionally, further increases in interest rates may, among other things, reduce the demand for loans and our ability to originate loans and decrease loan repayment rates.
+Added: Additionally, future increases in interest rates may, among other things, reduce the demand for loans and our ability to originate loans and decrease loan repayment rates.
A decrease in the general level of interest rates may affect us through, among other things, increased prepayments on our loan portfolio and increased competition for deposits.
Accordingly, changes in the level of market interest rates affect our net yield on interest-earning assets, loan origination volume, loan portfolio and our overall results.
−Removed: Moreover, although we have implemented practices, we believe will reduce the potential effects of changes in interest rates on our net interest income, these practices may not always be successful.
+Added: Moreover, the practices we have implemented that are intended to reduce the potential effects of changes in interest rates on our net interest income may not be successful.
Accordingly, changes in levels of market interest rates could materially and adversely affect our net interest income and our net interest margin, asset quality, loan and lease origination volume, liquidity, and overall profitability.
9 unchanged sentences
Inflation rose over the last several years to levels not seen for over 40 years.
−Removed: Inflationary pressures may continue into 2025.
+Added: Inflationary pressures may continue in 2026.
Inflation could lead to increased costs to our customers, making it more difficult for them to repay their loans or other obligations increasing our credit risk.
−Removed: While the Federal Reserve has cut interest rates in late 2024, current interest rates remain significantly higher than interest rates as of early 2022.
+Added: While the Federal Reserve began cutting interest rates in late 2024, current market interest rates remain higher than interest rates as of early 2022.
A deterioration in economic conditions in the United States and our markets could result in an increase in loan delinquencies and non-performing assets, decreases in loan collateral values and a decrease in demand for our products and services, all of which, in turn, would adversely affect our business, financial condition and results of operations.
2 unchanged sentences
These activities strongly influence our rate of return on certain investments, our mortgage origination pipeline, as well as our costs of funds for lending and investing, all of which may adversely impact our liquidity, results of operations, financial condition and capital position.
−Removed: Unstable global economic conditions may have serious adverse consequences on our business, financial condition, and operations.
−Removed: The global credit and financial markets have from time to time experienced extreme volatility and disruptions, including severely diminished liquidity and credit availability, declines in consumer confidence, declines in economic growth, increases in unemployment rates, high rates of inflation, and uncertainty about economic stability.
−Removed: The financial markets and the global economy may also be adversely affected by the current or anticipated impact of military conflict, including the ongoing wars in the Ukraine and the Middle East, which have increased volatility in commodity and energy prices, created supply chain issues and caused instability in financial markets, all of which may continue or worsen in the future.
−Removed: Sanctions imposed by the United States and other countries in response to such conflicts could further adversely impact the financial markets and the global economy, and any economic countermeasures by the affected countries or others could exacerbate market and economic instability.
−Removed: There can be no assurance that further deterioration in markets and confidence in economic conditions will not occur.
−Removed: Our general business strategy may be adversely affected by any such economic downturn, volatile business environment, hostile third-party action or continued unpredictable and unstable market conditions.
We may not be able to adequately measure and limit our credit risk, which could lead to unexpected losses.
30 unchanged sentences
If real estate values decline, it is also more likely that we would be required to increase our allowance for loan credit losses, which could have an adverse effect on our business, financial condition and results of operations.
−Removed: The geographic concentration of our markets in Texas, Louisiana, Mississippi, and most recently into Alabama and Florida makes us more sensitive than our more geographically diversified competitors to adverse changes in the local economy.
+Added: The geographic concentration of our markets in Texas, Louisiana, Mississippi, Alabama and Florida makes us more sensitive than our more geographically diversified competitors to adverse changes in the local economy.
Unlike larger financial institutions that are more geographically diversified, we are a regional bank concentrated in the Interstate 20 corridor between the Dallas/Fort Worth metropolitan area, East Texas, North Louisiana and Jackson, Mississippi, as well as in Houston, Texas and Oxford, Mississippi.
−Removed: Recently, we expanded our presence into Mobile, Alabama and Fort Walton Beach, Florida.
−Removed: At December 31, 2024, 69.2% of our total loans (by dollar amount), excluding mortgage warehouse lines of credit, were made to borrowers who reside or conduct business in Texas, 18.4% attributable to Louisiana and 7.1% attributable, in total, to Mississippi, Mobile, Alabama and Fort Walton Beach, Florida and majority of our real estate loans are secured by properties located in these states.
+Added: In 2024, we expanded our presence into Mobile, Alabama and Fort Walton Beach, Florida.
+Added: At December 31, 2025, 64.7% of our total real estate loans (by dollar amount), excluding mortgage warehouse lines of credit, were made to borrowers who reside or conduct business in Texas, 15.4% attributable to Louisiana and 9.1% attributable, in total, to Mississippi, Mobile, Alabama and Fort Walton Beach, Florida and majority of our real estate loans are secured by properties located in these states.
A deterioration in local economic conditions or in the residential or commercial real estate markets could have an adverse effect on the quality of our portfolio, the demand for our products and services, the ability of borrowers to timely repay loans, and the value of the collateral securing loans.
34 unchanged sentences
A material weakness, as defined by the SEC rules, is a deficiency, or a combination of deficiencies, such that there is a reasonable possibility that a material misstatement of our annual or interim financial statements will not be prevented or detected on a timely basis.
−Removed: During the year ended December 31, 2024, we implemented remediation actions to address the material weakness in our internal controls and, as of December 31, 2024, this material weakness has been deemed remediated.
+Added: During the year ended December 31, 2024, we implemented remediation actions to address the material weakness in our internal controls and, as of December 31, 2024, this material weakness had been deemed remediated.
If additional material weaknesses in internal control over financial reporting are discovered or occur in the future, our consolidated financial statements may contain material misstatements and we could be required to revise or restate our financial results, which could materially and adversely affect our business, results of operations and financial condition, restrict our ability to access the capital markets, require us to expend significant resources to correct the material weakness, subject us to fines, penalties or judgments, harm our reputation, adversely affect the trading price of our common stock, or otherwise cause a decline in investor confidence.
13 unchanged sentences
In the last few years, there have been an increasing number of cyber incidents and cyber criminals continue to increase their sophistication, including several well-publicized cyber-attacks that targeted other companies in the United States, including financial services companies much larger than us.
+Added: The sophistication of these incidents has also increased, and is expected to increase further, as cyber criminals utilize artificial intelligence and related emerging technologies.
These cyber incidents have been initiated from a variety of sources, including terrorist organizations and hostile foreign governments.
12 unchanged sentences
The Company’s and its customers’ exposure to fraud may increase the Company’s financial risk and reputation risk as it may result in unexpected litigation expense, other costs and loan losses that exceed those that have been provided for in the allowance for credit losses.
+Added: In addition, the use of artificial intelligence and other emerging technologies by those committing fraud against the Company and its customers may increase the likelihood that such attempts at fraud are successful and decrease the likelihood of, or delay, the detection of fraud.
Our ability to attract and retain profitable bankers is critical to the success of our business strategy.
7 unchanged sentences
We will be subject to heightened regulatory requirements if our total assets exceed $10 billion as of December 31 of any calendar year.
−Removed: As of December 31, 2024, our total assets were $9.68 billion, and we expect our total assets to grow in excess of $10 billion during the 2025 year.
+Added: As of December 31, 2025, our total assets were $9.72 billion.
In addition to our current regulatory requirements, banks with $10 billion or more in total assets are, among other things:
7 unchanged sentences
Our regulators may also consider our preparation for compliance with these regulatory requirements in the course of examining our operations generally or when considering any request from us or the Bank.
−Removed: We will become subject to reduced debit interchange income and overdraft income and could face related adverse business consequences if our total assets grow in excess of $10 billion as of December 31 of any calendar year.
+Added: Although the CFPB’s level of activity has been significantly reduced, the scope of its future activities remains subject to ongoing litigation, and it is unclear what regulatory role the CFPB would play if our total assets were to exceed $10 billion.
+Added: We will become subject to reduced debit interchange income and could face related adverse business consequences if our total assets grow in excess of $10 billion as of December 31 of any calendar year.
Debit card interchange fee restrictions set forth in the Durbin Amendment, as implemented by regulations of the Federal Reserve, cap the maximum debit interchange fee that a debit card issuer may receive per transaction.
1 unchanged sentence
The exemption for small issuers ceases to apply as of July 1 of the year following the calendar year in which the debit card issuer has total consolidated assets of $10 billion or more at calendar year end.
−Removed: At December 31, 2024, we had total consolidated assets of $9.68 billion and our expectation is that we will exceed $10 billion in total consolidated assets during 2025.
+Added: At December 31, 2025, we had total consolidated assets of $9.72 billion.
Any reduction in interchange income as a result of the loss of the exemption for small issuers under the Durbin Amendment could have a significant adverse effect on our business, financial condition and results of operations.
Our interchange fees for the year ended December 31, 2025, were $8.5 million.
−Removed: Similarly, the CFPB recently adopted final rules, effective October 1, 2025, that limits the overdraft fees that banks with more than $10 billion in assets can charge per occurrence.
−Removed: During 2024, our total overdraft fee income was $2.2 million.
−Removed: At this time, there is still some uncertainty surrounding this rule’s ultimate disposition and the timing of its effectiveness on Origin.
+Added: Although the Durbin Amendment’s restrictions on debit interchange fees currently remain in place, they are subject to ongoing litigation.
Moreover, our loss of eligibility under the exemption for small issuers could adversely affect or reduce our ability to maintain certain of our fee-sharing prepaid card partnerships, which have the right to terminate our agreement with respect to certain financial services under such circumstances.
43 unchanged sentences
Adverse reputational impacts or events may also increase our litigation risk.
−Removed: Over recent years we have faced increased public scrutiny related to ESG activities.
−Removed: We risk damage to our brand and reputation if we fail to act responsibly in a number of areas, such as diversity, equity and inclusion (“DEI”), environmental stewardship, human capital management, support for our local communities, corporate governance and transparency, or fail to consider ESG factors in our business operations.
−Removed: Additionally, investors and shareholder advocates are placing ever increasing emphasis on how corporations address ESG issues in their business strategy when making investment decisions and when developing their investment theses and proxy recommendations.
−Removed: We may incur meaningful costs with respect to our ESG efforts and if such efforts are negatively perceived, our reputation and stock price may suffer.
−Removed: Our business has grown rapidly, and we may not be able to maintain our historical rate of growth, which could have an adverse effect on our ability to successfully implement our business strategy.
−Removed: Our business has grown rapidly.
−Removed: Financial institutions that grow rapidly can experience significant difficulties as a result of rapid growth.
−Removed: Furthermore, our primary strategy focuses on organic growth, supplemented by acquisitions of banking teams or other financial institutions.
−Removed: We may be unable to execute on aspects of our growth strategy to sustain our historical rate of growth or we may be unable to grow at all.
−Removed: For example, we may be unable to generate sufficient new loans and deposits within acceptable risk and expense tolerances, obtain the personnel or funding necessary for additional growth or find suitable banking teams or acquisition candidates.
−Removed: Various factors, such as economic conditions and competition, may impede or prohibit the growth of our operations, the opening of new branches, and the consummation of acquisitions.
−Removed: Further, we may be unable to attract and retain experienced bankers, which could adversely affect our growth.
−Removed: The success of our strategy also depends on our ability to effectively manage growth, which is dependent upon a number of factors, including our ability to adapt existing credit, operational, technology and governance infrastructure to accommodate our expanded operations.
−Removed: If we fail to build infrastructure sufficient to support rapid growth or fail to implement one or more aspects of our strategy, we may be unable to maintain historical earnings trends, which could have an adverse effect on our business, financial condition and results of operations.
−Removed: In addition, the Louisiana Office of Financial Institutions or the Federal Reserve may direct us to restrain our growth.
We may not be able to manage the risks associated with our anticipated growth and expansion through de novo branching.
37 unchanged sentences
Further, acquisitions typically involve the payment of a premium over book and market values and, therefore, some dilution of our book value and net income per common share may occur in connection with any future acquisition, and the carrying amount of any goodwill that we currently maintain or may acquire may be subject to impairment in future periods.
−Removed: The markets in which we operate are susceptible to hurricanes and other natural disasters, adverse weather and climate change effects, which could result in a disruption of our operations and increases in loan losses.
+Added: The markets in which we operate are susceptible to natural disasters, adverse weather and climate change effects, which could result in a disruption of our operations and increases in loan losses.
A significant portion of our business is generated from markets that have been, and may continue to be, damaged by hurricanes, floods, tropical storms, tornadoes and other natural disasters and adverse weather, which may grow more severe as a result of climate change.
5 unchanged sentences
We have a continuing need for technological change, and we may not have the resources to effectively implement new technology, or we may experience operational challenges when implementing new technology.
−Removed: The financial services industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services (including those related to or involving artificial intelligence, machine learning, blockchain and other distributed ledger technologies) and an established and growing demand for mobile and other phone and computer banking applications.
+Added: The financial services industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services (including those related to or involving artificial intelligence, machine learning, stablecoins, blockchain and other distributed ledger technologies) and an established and growing demand for mobile and other phone and computer banking applications.
The effective use of technology increases efficiency and enables financial institutions to reduce costs as well as service our customers better.
25 unchanged sentences
Failure to successfully manage these risks could have an adverse impact on our business, financial condition or results of operations.
−Removed: We may be required to repurchase mortgage loans in some circumstances, which could diminish our liquidity.
−Removed: Historically, we have originated mortgage loans for sale in the secondary market.
−Removed: When mortgage loans are sold in the secondary market, we are required to make customary representations and warranties to the purchasers about the mortgage loans and the manner in which they were originated.
−Removed: The mortgage loan sale agreements require us to repurchase or substitute mortgage loans or indemnify buyers against losses, in the event we breach these representations and warranties.
−Removed: In addition, we may be required to repurchase mortgage loans as a result of early payment default of the borrower on a mortgage loan.
−Removed: With respect to loans that are originated by us through our broker or correspondents, the remedies available against the originating broker or correspondent, if any, may not be as broad as the remedies available to a purchaser of mortgage loans against us or the originating broker or correspondent, if any, may not have the financial capacity to perform remedies that otherwise may be available.
−Removed: Therefore, if a purchaser enforces their remedies against us, we may not be able to recover losses from the originating broker or correspondent.
−Removed: If repurchase and indemnity demands increase and such demands are valid claims, it could diminish our liquidity, which could have an adverse effect on our business, financial condition and results of operations.
−Removed: We were not required to repurchase any material amount of mortgage loans sold into the secondary market during 2024, 2023 or 2022.
A lack of liquidity could impair our ability to fund operations.
8 unchanged sentences
Additional liquidity is provided by the ability to borrow from the Federal Reserve Bank of Dallas and the Federal Home Loan Bank of Dallas.
−Removed: Recently proposed changes to the Federal Home Loan Bank system could adversely impact the Company’s access to Federal Home Loan Bank borrowings or increase the cost of such borrowings.
We also may borrow funds from third-party lenders, such as other financial institutions.
16 unchanged sentences
We use interest rate swaps to help manage our interest rate risk from recorded financial assets and liabilities when they can be demonstrated to effectively hedge a designated asset or liability and the asset or liability exposes us to interest rate risk or risks inherent in customer related derivatives.
−Removed: We use other derivative financial instruments to help manage other economic risks, such as liquidity and credit risk, including exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates.
+Added: We use other derivative financial instruments to help manage other economic risks, including exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates.
Our derivative financial instruments are used to manage differences in the amount, timing, and duration of our known or expected cash receipts principally related to our fixed rate loan assets.
3 unchanged sentences
By engaging in derivative transactions, we are exposed to credit and market risk.
−Removed: If the counterparty fails to perform, credit risk exists to the extent of the fair value gain in the derivative.
+Added: If the counterparty fails to perform, credit risk exists to the extent the fair value gain in the derivative is not collateralized.
Market risk exists to the extent that interest rates change in ways that are significantly different from what we expected when we entered into the derivative transaction.
2 unchanged sentences
At December 31, 2025, the fair value of our portfolio of available for sale investment securities was approximately $1.12 billion, which included a net unrealized loss of approximately $68.9 million, before taxes.
−Removed: The unrealized loss resulted from the decline in fair value of our available for sale investment securities portfolio starting during the year ended December 31, 2022, and continuing through the year ended December 31, 2024, which decline was primarily due to the steepening of the short end of the yield curve as a result of the rapid increase in interest rates intended to reduce inflation.
+Added: The unrealized loss resulted from the decline in fair value of our available for sale investment securities portfolio, which primarily reflected increases in market interest rates during 2022 and early 2023.
+Added: While the Company recorded net unrealized gains in subsequent periods following decreases in market interest rates from prior levels, the available for sale securities portfolio remained in a net unrealized loss position at December 31, 2025.
The unrealized loss negatively impacted total stockholders’ equity.
33 unchanged sentences
We and other financial institutions have been the subject of litigation, investigations and other proceedings which could result in legal liability and damage to our reputation.
−Removed: We and certain of our directors, officers and subsidiaries are named from time to time as defendants in litigation and are the subject of investigations and other proceedings relating to our business and activities, including, during 2024 and continuing into 2025, proceedings relating to the questioned activity discussed in detail in Part II, Item 8 , Note 18 — Commitments and Contingencies under Loss Contingencies .
+Added: We and certain of our directors, officers and subsidiaries are named from time to time as defendants in litigation and are the subject of investigations and other proceedings relating to our business and activities, including, during 2024 and continuing into 2025, proceedings relating to the questioned banker activity discussed in detail in Part II, Item 8 , Note 19 — Commitments and Contingencies under Loss Contingencies .
Past, present and future litigation has included or could include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages.
29 unchanged sentences
Prompt corrective action can include progressively more restrictive constraints on operations, management and capital distributions.
+Added: Federal Reserve regulations do not permit dividends unless our consolidated capital levels exceed certain higher levels applying capital conservation buffers.
Failure to exceed the capital conservation buffer will result in certain limitations on dividends, capital repurchases, and discretionary bonus payments to executive officers.
+Added: In addition, the Federal Reserve has issued supervisory guidance advising bank holding companies to eliminate, defer or reduce dividends paid on common stock and share repurchases under certain circumstances including where the company’s prospective rate of earnings retention is not consistent with the company’s capital needs and overall current and prospective financial condition or the company will not meet, or is in danger of not meeting, minimum regulatory capital adequacy ratios.
+Added: Recent supplements to this guidance reiterate the need for bank holding companies to consult with the Federal Reserve sufficiently in advance of the proposed payment of a dividend in certain circumstances.
Even if we meet minimum capital requirements, it is possible that our regulators may ask us to raise additional capital.
13 unchanged sentences
Moreover, the FDIC has the unilateral power to change deposit insurance assessment rates and the manner in which deposit insurance is calculated and also to charge special assessments to FDIC-insured institutions.
−Removed: The FDIC utilized these powers during the financial crisis for the purpose of restoring the reserve ratios of the Deposit Insurance Fund.
−Removed: Beginning in the first quarterly assessment period of 2023, the FDIC deposit insurance premiums were increased by two basis points.
+Added: The FDIC utilized these powers during the 2008 Global Financial Crisis for the purpose of restoring the reserve ratios of the Deposit Insurance Fund and again in response to the 2023 high-profile bank failures.
Any future special assessments, increases in assessment rates or premiums, or required prepayments in FDIC insurance premiums could reduce our profitability or limit our ability to pursue certain business opportunities, which could materially and adversely affect our business, financial condition, and results of operations.
36 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.