What changed 10-Q

Item 1A. Risk Factors

2026-04-30 compared with 2025-10-30 · 2 added, 1 removed, 24 unchanged (11% of the section changed)

11 unchanged sentences

global trading partners), changes in the federal, state and local governmental policy and other factors beyond Peoples’ control may adversely affect Peoples Bank’s deposit levels and composition, the quality of investment securities available for purchase, the demand for loans, the ability of Peoples Bank’s borrowers to repay their loans, and the value of the collateral securing the loans Peoples Bank makes.

Disruptions in U.S.

As evidenced by the ongoing conflict between the U.S.

and Iran, disruptions in U.S.

and global financial markets and changes in oil production in the Middle East also affect the economy and stock prices in the U.S., which can affect Peoples’ earnings and capital, as well as the ability of Peoples Bank’s customers to repay loans.

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.