First Community Bankshares (FCBC) risk factors, FY2025 10-K

First Community Bankshares's FY2025 10-K, filed Mar 06, 2026, lists 117 risk factors. Against the prior year's 115: 23 new, 21 dropped, 63 substantially reworded.

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Risk factors listed
1170 groups
New this year
23vs 115 last year
Dropped
21since the prior 10-K
Substantially reworded
63of those kept
Section length
40k wordsItem 1A

What the changes say

  • First Community Bankshares faces new financial metrics and acquisition impacts in 2025.
  • Restructuring and integration costs from acquisitions affect operational expenses.

What changed since the prior 10-K

New

  • New

    100.00 142.88 133.48 128.36 145.37 161.37

    The company added peer institutions for financial comparison purposes.

  • New

    (791 ) (1,561 ) (1,257 ) (3,609 ) 2,211 7,698 (935 ) 8,974

    Interest paid on various deposit categories fluctuated significantly across reported periods.

  • New

    $ 42,887 $ 39,390 $ 37,452 $ 3,497 8.88 % $ 1,938 5.17 %

    Noninterest income increased by $3.50 million driven largely by higher non-sufficient funds fees and interchange income.

  • New

    $ 104,303 $ 96,567 $ 95,177 $ 7,736 8.01 % $ 1,390 1.46 %

    Noninterest expense rose by $7.74 million due to increased salaries, incentive compensation, and Hometown acquisition merger expenses.

  • New

    14,153 20,018 19,460 16,696 22,222

    Total nonperforming assets shifted to $14.15 million alongside changes in modified loans and troubled debt restructurings.

  • New

    (8,748 ) -6.9 % (6,325 ) -5.0 %

    Interest rate risk exposure was deemed adequately mitigated under established policy tolerance limits.

  • New

    Interest on short-term borrowings

    Net interest income totaled $124.61 million with provisions for credit losses decreasing to $72 thousand.

  • New

    Issuance of stock for acquisition

    Common dividends declared reached $1.16 per share alongside stock issuances and repurchases.

  • New

    Proceeds from sale of premises and equipment

    Net cash provided by investing activities totaled $139.85 million while financing activities used $67.81 million.

  • New

    Goodwill and Intangible Assets

    Goodwill and core deposit intangible assets are subject to regular quarterly and annual impairment testing.

  • New

    Other Comprehensive Income (Loss)

    Loss contingencies from ordinary course litigation are accrued when probable and reasonably estimable.

  • New

    $ 184,687 $ 12 $ (14,850 ) $ 169,849

    Available-for-sale debt securities have contractual maturities spanning U.S. Treasury, municipal, and corporate note instruments.

  • New

    $ 12,998 $ (98 ) $ 102,781 $ (14,752 ) $ 115,779 $ (14,850 )

  • New

    20,589 10,045 4,532 35,166

  • New

    $ 1,214 0.06 % $ 906 0.05 %

  • New

    $ 1,214 $ - $ - $ - $ 1,214

  • New

    $ 2,637 $ 41 $ - $ 3,109 $ 116 $ -

  • New

    118,087 $ 30.94 4.57 $ 330

  • New

    State taxes in West Virginia made up the majority (greater than 50 percent) of the tax effect in this category

  • New

    $ (7,945 ) $ 431 $ (7,514 )

  • New

    Note 24 . Subsequent Events

  • New

    Immediately following the Merger, Union Bank, Inc., a wholly-owned subsidiary of Hometown, merged with and into First Community Bank, a wholly-owned subsidiary of the Company (the “Bank Merger”), with First Community Bank as the surviving bank in the Bank Merger

  • New

    10.19** Amended Nonqualified Deferred Compensation Plan and Adoption Agreement, incorporated by reference to Exhibit 10.19 of the Annual Report on Form 10-K for the period ended December 31, 2024, filed on March 7, 2025

Dropped

  • Dropped

    The CRO, Derek Bonnett, has been employed by the Corporation since 2016, having served as the Director of Internal Audit until being named the Chief Risk Officer in 2021. He has over fourteen (14) years of experience providing risk management advice, insight, and assurance to financial institutions

    Details regarding the employment background and certifications of CRO Derek Bonnett.

  • Dropped

    100.00 80.28 116.66 109.92 105.37 120.02

  • Dropped

    2,211 7,698 (935 ) 8,974 8,719 24,855 (10,724 ) 22,850

    Prior peer group institutional listings for performance comparisons.

  • Dropped

    $ 39,390 $ 37,452 $ 37,182 $ 1,938 5.17 % $ 270 0.73 %

  • Dropped

    $ 96,567 $ 95,177 $ 83,116 $ 1,390 1.46 % $ 12,061 14.51 %

  • Dropped

    Modified loans past due 90 days or more (2)

  • Dropped

    Non-farm, non-residential

  • Dropped

    (6,325 ) -5.0 % (9,527 ) -7.5 %

  • Dropped

    Net cash provided by (used in) acquisitions and divestitures

  • Dropped

    Repayments of FHLB and other borrowings, net

  • Dropped

    $ 56,106 $ 15,264 $ 71,370

  • Dropped

    (a) Adjustment reflects the fair value adjustment based on the Company's evaluation of the acquired investment portfolio

    Historical breakdowns of interest paid on demand, savings, and time deposits.

  • Dropped

    $ 295,045 $ 29 $ (14,113 ) $ 280,961

  • Dropped

    $ 25,329 $ (45 ) $ 239,992 $ (14,068 ) $ 265,321 $ (14,113 )

  • Dropped

    $ 906 0.05 % $ 1,119 0.06 %

  • Dropped

    $ 3,109 $ 116 $ — $ 3,557 $ 136 $ —

  • Dropped

    130,640 $ 30.79 5.49 $ 1,417

    Prior year comparisons of noninterest income and branch property sales.

  • Dropped

    $ 14,090 21.44 % $ 13,954 22.51 % $ 13,495 22.43 %

    Past noninterest expense figures related to Surrey branch additions.

  • Dropped

    Federal net operating loss carryforward

  • Dropped

    $ (11,722 ) $ 551 $ (11,171 )

  • Dropped

    Opinion on the Financial Statements

Reworded

  • 100% rewritten

    Annual net income of $48.79 million, or $2.65 per diluted common share was earned in 2025; a decrease of $2.81 million, or 5.45%, compared to 2024

    Updated to report 2025 net income of $48.79 million and adjusted net income of $51.12 million, reflecting stable net interest margins.

    Was: Annual net income of $51.60 million, or $2.80 per diluted common share, was an increase of $3.58 million, or 7.46%, compared to 2023

  • 100% rewritten

    Net gain on sale of securities

    Revised noninterest income and other operating income figures to reflect updated multi-year comparisons.

  • 100% rewritten

    Balance December 31, 2025

    Updated consolidated statements of changes in stockholders equity and cash flows to include 2025 financial data.

    Was: Balance December 31, 2022

  • 100% rewritten

    Note 2. Acquisitions and Divestitures

    Replaced the Emporia branch sale note with a disclosure confirming all Surrey acquisition integration expenses were recognized in prior years.

  • 99% rewritten

    Owner occupied construction

    Updated consumer real estate and loan rate sensitivity breakdowns for the current reporting period.

  • 96% rewritten

    Loss on sale of securities

    Adjusted operating activities and cash flow line items to reflect current year dividend payables and adjustments.

  • 95% rewritten

    Balance December 31, 2024

    Revised beginning balance sheet equity figures and cash flow adjustments for the current fiscal year.

  • 94% rewritten

    Special dividends declared -- $3.07 per share

    Updated special dividends declared to $3.07 per share alongside revised common share repurchase pricing and amounts.

    Was: Common dividends declared -- $1.16 per share

  • 94% rewritten

    14,898 22.68 % 14,382 23.21 %

    Was: 14,898 22.68 % 14,382 23.21 % 14,065 23.38 %

  • 92% rewritten

    Annualized return on average assets ("ROA") was 1.52% for the twelve months of 2025 compared to 1.60% for the same period of 2024. Annualized return on average common equity ("ROE") was 9.64% for the twelve months of 2025 compared to 10.03% for the same period of 2024

    Was: Annualized return on average assets ("ROA") was 1.60% for the twelve months of 2024 compared to 1.48% for the same period of 2023. Annualized return on average common equity ("ROE") was 10.03% for the twelve months of 2024 compared to 10.02% for the same period of 2023

  • 91% rewritten

    Net loss on sale of securities

  • 88% rewritten

    Retail repurchase agreements

  • 87% rewritten

    Standards Not Yet Adopted

  • 86% rewritten

    Dividends in excess of undistributed net income of subsidiaries

  • 86% rewritten

    Other comprehensive income, before tax

  • 83% rewritten

    Proceeds from sale of available for sale securities

  • 82% rewritten

    The Company’s evaluation of the relevance and reliability of data used in the discounted cash flow model of the ACL calculation

  • 81% rewritten

    Note 22. Parent Company Financial Information

  • 78% rewritten

    Amortization of prior service cost

  • 77% rewritten

    Reclassification adjustment for net loss recognized in net income

  • 76% rewritten

    Note 18. Related Party Transactions

  • 74% rewritten

    Note 17. Earnings per Share

  • 73% rewritten

    Amortization expense for other intangible assets was $1.92 million in 2025, $2.13 million in 2024, and $1.73 million in 2023

    Was: Amortization expense for other intangible assets was $2.13 million in 2024, $1.73 million in 2023, and $1.45 million in 2022

  • 69% rewritten

    Total accruing TDRs exclude nonaccrual TDRs of $2.52 million, $2.34 million, and for the two years ended December 31, 2022. They were included in nonaccrual loans as reported prior to the adoption of ASU 2022-02

    Was: Total accruing TDRs exclude nonaccrual TDRs of $1.32 million, $2.52 million, $2.34 million, and for the three years ended December 31, 2022. They were included in nonaccrual loans as reported prior to the adoption of ASU 2022-02

  • 69% rewritten

    Loans Held for Investment

  • 68% rewritten

    After five years through ten years

  • 67% rewritten

    Note 13. Other Operating Income and Expense

  • 66% rewritten

    Restricted Stock and Stock Unit Awards

  • 66% rewritten

    9.64 % 10.03 % 10.02 % (0.39 )% (3.89 )% 0.01 % 0.10 %

    Was: 10.03 % 10.02 % 11.04 % 0.01 % 0.10 % (1.02 )% (9.24 )%

  • 66% rewritten

    Bank Owned Life Insurance

  • 66% rewritten

    Provision for Credit Losses

  • 65% rewritten

    Mortgage-backed Agency securities

  • 63% rewritten

    Note 23. Quarterly Financial Data (Unaudited)

  • 62% rewritten

    (Principal Financial Officer and Principal Accounting Officer)

  • 60% rewritten

    Substandard -- This grade is assigned to loans that have well defined weaknesses that may make payment default, or principal exposure, possible. These loans will likely be dependent on collateral liquidation, secondary repayment sources, or events outside the normal course of business to meet repayment terms

  • 60% rewritten

    FTE basis based on the federal statutory rate of 21%

  • 59% rewritten

    Interest on loans include non-cash purchase accounting accretion of $2.08 million in 2025, $2.90 million in 2024, and $2.74 million in 2023

    Was: Interest on loans include non-cash purchase accounting accretion of $2.90 million in 2024, $2.74 million in 2023, and $2.62 million in 2022

  • 59% rewritten

    22,447 9,814 4,674 36,935

  • 56% rewritten

    4.0% Tier 1 capital to average consolidated assets (“Tier 1 leverage ratio”)

  • 56% rewritten

    Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and proprietary qualitative adjustments

  • 54% rewritten

    Single Family Non Owner Occupied

  • 52% rewritten

    Note 15. Accumulated Other Comprehensive Income

  • 48% rewritten

    $ (4,122 ) $ 2,353,548 -0.18 % $ (5,366 ) $ 2,481,215 -0.22 % $ (4,813 ) $ 2,538,361 -0.19 %

    Was: $ (5,366 ) $ 2,481,215 -0.22 % $ (4,813 ) $ 2,538,361 -0.19 % $ (3,873 ) $ 2,298,503 -0.17 %

  • 48% rewritten

    Changes in Level 3 Fair Value Measurements

  • 48% rewritten

    Reclassified out of AOCI, net of tax

  • 47% rewritten

    Loans originated to finance the sale of other real estate

    Was: Loans originated to finance other real estate

  • 46% rewritten

    We repurchased 50,338 shares of our common stock in 2025, 257,294 shares in 2024, and 768,079 shares in 2023

    Was: We repurchased 257,294 shares of our common stock in 2024, 768,079 shares of our common stock in 2023, and 706,117 shares in 2022

  • 42% rewritten

    Employee Stock Ownership and Savings Plan

  • 41% rewritten

    Management’s Discussion and Analysis of Financial Condition and Results of Operations

  • 40% rewritten

    Allowance for Credit Losses (ACL)

  • 37% rewritten

    $ - $ - 0.00 % $ 531 $ 645 121.47 %

    Was: $ 531 $ 645 121.57 % $ 1,173 $ 825 70.33 %

  • 36% rewritten

    Note 20. Regulatory Requirements and Restrictions

  • 35% rewritten

    Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

  • 32% rewritten

    Equity-Based Compensation Plans

  • 31% rewritten

    Deferred Compensation Plan

  • 30% rewritten

    Non-GAAP Financial Measures

  • 30% rewritten

    Certain Relationships and Related Transactions, and Director Independence

  • 30% rewritten

    10.12.3** Amendment #3 to the First Community Bankshares, Inc. Supplemental Directors Retirement Plan, as amended and restated, incorporated by reference to Exhibit 10.12.3 of the Annual Report on Form 10-K for the period ended December 31, 2021, filed on March 3, 2022

  • 29% rewritten

    Service charges on deposits and other service charges and fees

  • 28% rewritten

    Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

  • 27% rewritten

    Changes related to the composition of the Company's directors, executive officers, and related insiders

  • 24% rewritten

    Market Risk and Interest Rate Sensitivity

  • 23% rewritten

    Quantitative Information about Level 3 Fair Value Measurements

All 117 risk factors

Headings as the filing states them, in filing order.

Other

  1. 01We repurchased 50,338 shares of our common stock in 2025, 257,294 shares in 2024, and 768,079 shares in 202346% rewritten
  2. 02100.00 142.88 133.48 128.36 145.37 161.37New
  3. 03Management’s Discussion and Analysis of Financial Condition and Results of Operations41% rewritten
  4. 04Critical Accounting Policies
  5. 05Allowance for Credit Losses or "ACL"
  6. 06Non-GAAP Financial Measures30% rewritten
  7. 07Annual net income of $48.79 million, or $2.65 per diluted common share was earned in 2025; a decrease of $2.81 million, or 5.45%, compared to 2024100% rewritten
  8. 08Annualized return on average assets ("ROA") was 1.52% for the twelve months of 2025 compared to 1.60% for the same period of 2024. Annualized return on average common equity ("ROE") was 9.64% for the twelve months of 2025 compared to 10.03% for the same period of 202492% rewritten
  9. 099.64 % 10.03 % 10.02 % (0.39 )% (3.89 )% 0.01 % 0.10 %66% rewritten
  10. 10Interest on loans include non-cash purchase accounting accretion of $2.08 million in 2025, $2.90 million in 2024, and $2.74 million in 202359% rewritten
  11. 11(791 ) (1,561 ) (1,257 ) (3,609 ) 2,211 7,698 (935 ) 8,974New
  12. 12Retail repurchase agreements88% rewritten
  13. 13FTE basis based on the federal statutory rate of 21%60% rewritten
  14. 14Provision for Credit Losses66% rewritten
  15. 15Net gain on sale of securities100% rewritten
  16. 16$ 42,887 $ 39,390 $ 37,452 $ 3,497 8.88 % $ 1,938 5.17 %New
  17. 17$ 104,303 $ 96,567 $ 95,177 $ 7,736 8.01 % $ 1,390 1.46 %New
  18. 18There were no holdings of any one issuer, other than the U.S. government and its agencies, in an amount greater than 10% of our total consolidated shareholders’ equity as of December 31, 2025 or 2024
  19. 19Loans Held for Investment69% rewritten
  20. 2014,153 20,018 19,460 16,696 22,222New
  21. 21Total accruing TDRs exclude nonaccrual TDRs of $2.52 million, $2.34 million, and for the two years ended December 31, 2022. They were included in nonaccrual loans as reported prior to the adoption of ASU 2022-0269% rewritten
  22. 22Allowance for Credit Losses (ACL)40% rewritten
  23. 23Owner occupied construction99% rewritten
  24. 24$ (4,122 ) $ 2,353,548 -0.18 % $ (5,366 ) $ 2,481,215 -0.22 % $ (4,813 ) $ 2,538,361 -0.19 %48% rewritten
  25. 25Capital Adequacy Requirements
  26. 264.0% Tier 1 capital to average consolidated assets (“Tier 1 leverage ratio”)56% rewritten
  27. 27Market Risk and Interest Rate Sensitivity24% rewritten
  28. 28(8,748 ) -6.9 % (6,325 ) -5.0 %New
  29. 29Interest on short-term borrowingsNew
  30. 30Net loss on sale of securities91% rewritten
  31. 31Other comprehensive income, before tax86% rewritten
  32. 32Reclassification adjustment for net loss recognized in net income77% rewritten
  33. 33Issuance of stock for acquisitionNew
  34. 34Balance December 31, 2023
  35. 35Common dividends declared -- $1.20 per share
  36. 36Balance December 31, 202495% rewritten
  37. 37Special dividends declared -- $3.07 per share94% rewritten
  38. 38Balance December 31, 2025100% rewritten
  39. 39Loss on sale of securities96% rewritten
  40. 40Proceeds from sale of available for sale securities83% rewritten
  41. 41Proceeds from sale of premises and equipmentNew
  42. 42Loans originated to finance the sale of other real estate47% rewritten
  43. 43Common stock issued in acquisition
  44. 44Principles of Consolidation
  45. 45NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  46. 46Level 3 – Unobservable inputs with little or no market activity that require the Company to use reasonable inputs and assumptions
  47. 47Cash and Cash Equivalents
  48. 48Goodwill and Intangible AssetsNew
  49. 49Bank Owned Life Insurance66% rewritten
  50. 50Other Comprehensive Income (Loss)New
  51. 51Securities Sold Under Agreements to Repurchase
  52. 52Equity-Based Compensation
  53. 53Service charges on deposits and other service charges and fees29% rewritten
  54. 54Standards Not Yet Adopted87% rewritten
  55. 55Note 2. Acquisitions and Divestitures100% rewritten
  56. 56$ 184,687 $ 12 $ (14,850 ) $ 169,849New
  57. 57After five years through ten years68% rewritten
  58. 58$ 12,998 $ (98 ) $ 102,781 $ (14,752 ) $ 115,779 $ (14,850 )New
  59. 59Mortgage-backed Agency securities65% rewritten
  60. 60Pass -- This grade is assigned to loans with acceptable credit quality and risk. The Company further segments this grade based on borrower characteristics that include capital strength, earnings stability, liquidity, leverage, and industry conditions
  61. 61Substandard -- This grade is assigned to loans that have well defined weaknesses that may make payment default, or principal exposure, possible. These loans will likely be dependent on collateral liquidation, secondary repayment sources, or events outside the normal course of business to meet repayment terms60% rewritten
  62. 62$ - $ - 0.00 % $ 531 $ 645 121.47 %37% rewritten
  63. 63Single Family Non Owner Occupied54% rewritten
  64. 6420,589 10,045 4,532 35,166New
  65. 6522,447 9,814 4,674 36,93559% rewritten
  66. 66Amortization expense for other intangible assets was $1.92 million in 2025, $2.13 million in 2024, and $1.73 million in 202373% rewritten
  67. 67$ 1,214 0.06 % $ 906 0.05 %New
  68. 68$ 1,214 $ - $ - $ - $ 1,214New
  69. 69Note 11. Derivative Instruments and Hedging Activities
  70. 70$ 2,637 $ 41 $ - $ 3,109 $ 116 $ -New
  71. 71Amortization of prior service cost78% rewritten
  72. 72Deferred Compensation Plan31% rewritten
  73. 73Employee Stock Ownership and Savings Plan42% rewritten
  74. 74Equity-Based Compensation Plans32% rewritten
  75. 75118,087 $ 30.94 4.57 $ 330New
  76. 76Restricted Stock and Stock Unit Awards66% rewritten
  77. 77Note 13. Other Operating Income and Expense67% rewritten
  78. 78State taxes in West Virginia made up the majority (greater than 50 percent) of the tax effect in this categoryNew
  79. 7914,898 22.68 % 14,382 23.21 %94% rewritten
  80. 80Note 15. Accumulated Other Comprehensive Income52% rewritten
  81. 81$ (7,945 ) $ 431 $ (7,514 )New
  82. 82Reclassified out of AOCI, before tax
  83. 83Reclassified out of AOCI, net of tax48% rewritten
  84. 84Assets and Liabilities Reported at Fair Value on a Recurring Basis
  85. 85Changes in Level 3 Fair Value Measurements48% rewritten
  86. 86Assets Measured at Fair Value on a Nonrecurring Basis
  87. 87Quantitative Information about Level 3 Fair Value Measurements23% rewritten
  88. 88Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and proprietary qualitative adjustments56% rewritten
  89. 89Note 17. Earnings per Share74% rewritten
  90. 90Note 18. Related Party Transactions76% rewritten
  91. 91Changes related to the composition of the Company's directors, executive officers, and related insiders27% rewritten
  92. 92Commitments and Contingencies
  93. 93Note 20. Regulatory Requirements and Restrictions36% rewritten
  94. 94Note 21. Segment Information
  95. 95Based on the business activities and information reviewed by the chief operating decision maker, the Company has one reportable segment - Community Banking
  96. 96Note 22. Parent Company Financial Information81% rewritten
  97. 97Dividends in excess of undistributed net income of subsidiaries86% rewritten
  98. 98Note 23. Quarterly Financial Data (Unaudited)63% rewritten
  99. 99Note 24 . Subsequent EventsNew
  100. 100Immediately following the Merger, Union Bank, Inc., a wholly-owned subsidiary of Hometown, merged with and into First Community Bank, a wholly-owned subsidiary of the Company (the “Bank Merger”), with First Community Bank as the surviving bank in the Bank MergerNew
  101. 101Independent Member Crowe Global
  102. 102Opinions on the Financial Statements and Internal Control over Financial Reporting
  103. 103Definition and Limitations of Internal Control Over Financial Reporting
  104. 104Allowance and Provision for Credit Losses on Loans – Discounted Cash Flow
  105. 105The Company’s evaluation of the relevance and reliability of data used in the discounted cash flow model of the ACL calculation82% rewritten
  106. 106Evaluation of Disclosure Controls and Procedures
  107. 107Changes in Internal Control over Financial Reporting
  108. 108Management's Report on Internal Controls over Financial Reporting
  109. 109There have been no material changes to the procedures by which shareholders may recommend nominees to our Board of Directors since the disclosure in our Proxy Statement filed with the SEC on March 10, 2025
  110. 110Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters35% rewritten
  111. 111Certain Relationships and Related Transactions, and Director Independence30% rewritten
  112. 112Principal Accounting Fees and Services
  113. 11310.9.6** Amendment #5 to the First Community Bankshares, Inc. and Affiliates Executive Retention Plan, incorporated by reference to Exhibit 10.9.6 of the Annual Report on Form 10-K for the period ended December 31, 2021, filed on March 3, 2022
  114. 11410.12.3** Amendment #3 to the First Community Bankshares, Inc. Supplemental Directors Retirement Plan, as amended and restated, incorporated by reference to Exhibit 10.12.3 of the Annual Report on Form 10-K for the period ended December 31, 2021, filed on March 3, 202230% rewritten
  115. 11510.19** Amended Nonqualified Deferred Compensation Plan and Adoption Agreement, incorporated by reference to Exhibit 10.19 of the Annual Report on Form 10-K for the period ended December 31, 2024, filed on March 7, 2025New
  116. 116Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 200228% rewritten
  117. 117(Principal Financial Officer and Principal Accounting Officer)62% rewritten

Other First Community Bankshares 10-Ks

  • FY2024 10-K risk factors
    115 risks

    The document contains financial and operating data for First Community Bankshares, not standard risk factor disclosures. Core metrics include net income of $51.60 million and loan portfolios totaling $2.42 billion. Capital ratios remain well above regulatory minimums under Basel III.

    Filed Mar 07, 2025

About this page

The headings are the filing's own. The one-line readings and the overview are automated and can be wrong: read Item 1A of the 10-K for the exact wording.