36 unchanged sentences
-100 815,429 5,547 0.7
−Removed: -100 767,848 (1,912) (0.2)
Static 809,882 — —
+100 802,851 (7,031) (0.9)
−Removed: The interest rate risk position of the Company remains slightly asset sensitive.
+Added: +200 795,694 (14,188) (1.8)
+Added: The interest rate risk position of the Company is relatively neutral.
The preceding table indicates that, as of December 31, 2025, in the event of a 200 basis point increase in interest rates, whereby rates ramp up evenly over a twelve-month period, there would be a 1.8% or $14.2 million decrease to net interest income.
−Removed: In the event of a 300 basis point decrease in interest rates, whereby rates ramp down evenly over a twelve-month period, the Company would experience a 0.1%, or $710,000 decrease in net interest income.
+Added: In the event of a 200 basis point decrease in interest rates, whereby rates ramp down evenly over a twelve-month period, the Company would experience a 1.5%, or $11.8 million increase in net interest income.
In this downward rate scenario, rates on deposits have a repricing floor of zero.
9 unchanged sentences
-100 3,807,798 (74,399) (1.9) 14.9 (3.7)
−Removed: -100 3,230,258 (91,698) (2.8) (2.8) 13.0
Flat 3,882,197 — — 15.5 —
+100 3,895,937 13,740 0.4 15.9 2.3
+Added: +200 3,894,659 12,462 0.3 16.2 4.2
The preceding table indicates that as of December 31, 2025, in the event of an immediate and sustained 200 basis point increase in interest rates, the Company would experience a 0.3%, or $12.5 million increase in the present value of equity.
6 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.