EMYB — what changed in the latest 10-Q
A section-by-section comparison of EMYB's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-13 vs the prior 10-Q · 2026-05-13
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +26 | −10 | ~27 | 64 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~2 | 3 |
| Controls & procedures | Text added/removed | 0 | 0 | ~1 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-13
the impact of losses from Artificial Intelligence (AI) related scams or fraudulent activity;
Net income for the six months ended June 30, 2026 was $7.9 million, compared to net income for the six months ended June 30, 2025 of $6.3 million, an increase of $1.5 million, or 24.3%. Basic and diluted earnings per share increased to $1.05 for the six months ended June 30, 2026, as compared to $0.…
Total interest expense for the three months ended June 30, 2026 decreased $164 thousand to $7.1 million, as compared to $7.3 million for the three months ended June 30, 2025. Average interest bearing liabilities were $1.32 billion for the three months ended June 30,
2026 and $1.27 billion for the three months ended June 30, 2025. The yield on average interest bearing liabilities was 2.18% and 2.31% for the second quarter of 2026 and 2025, respectively. Over the past year the Company has experienced a consistent decrease in the cost of funds with reductions obse…
Net interest income for the three months ended June 30, 2026 was $12.1 million, compared to $10.4 million for the three months ended June 30, 2025. The increase in net interest income is, in part, the result of an increase in the average balances of taxable loans, an increase in the average balances…
Text removed vs the prior filing · source: 10-Q · 2026-05-13
Total interest expense remained relatively flat at $7.1 million for the three months ended March 31, 2026 and March 31, 2025, reflecting an actual decrease of $47 thousand. Average interest bearing liabilities were $1.30 billion for the three months ended March 31, 2026 and $1.23 billion for the thr…
Net interest income for the three months ended March 31, 2026 was $11.4 million, compared to $9.8 million for the three months ended March 31, 2025. The increase in net interest income is, in part, the result of an increase in the average balances of taxable loans, an increase in the average balance…
The tables below set forth average balances and corresponding yields for the corresponding periods ended March 31, 2026 and 2025, respectively:
The provision for credit losses is a function of the allowance for credit loss methodology that the Company uses to determine the appropriate level of the allowance for inherent credit losses after net charge-offs have been deducted. See the discussion below under “Credit Risk and Loan Quality” rega…
Non-interest expenses increased $657 thousand from $6.9 million for the three months ended March 31, 2025 to $7.6 million for the three months ended March 31, 2026. The increase in non-interest expenses is, in part, attributable to a $277 thousand increase in salaries and employee benefits due to an…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice