FXNC — what changed in the latest 10-Q

Text added vs the prior filing · source: 10-Q · 2026-05-13

• • advances and changes in technology, including artificial intelligence, and the Company’s ability to develop timely and competitive products and services and effectively manage related risks;

• • the ability to maintain adequate liquidity by retaining deposit customers and secondary funding sources, especially if the Company’s, or industry's, reputation become damaged;

• • the emergence of digital assets and payment stablecoins, and evolving legislative or regulatory frameworks, which could alter deposit flows, competition, and credit intermediation and, in turn, adversely affect the Company’s funding, liquidity, or overall financial performance;

• • political developments, including government shutdowns and other significant disruptions and changes in the funding, size, scope, and effectiveness of the federal government, its agencies and services; and

• other factors identified in Item 1A. Risk Factors of the Company’s Form 10-K for the year ending December 31, 2025.

Text removed vs the prior filing · source: 10-Q · 2025-11-14

• • the ability of the Company and the Bank to realize the anticipated benefits of the Merger;

• • expected revenue synergies and cost savings from the Merger that may not be fully realized or realized within the expected time frame;

• • revenues following the Merger that may be lower than expected;

• the ability to maintain adequate liquidity by retaining deposit customers and secondary funding sources, especially if the Company’s or the industry's reputation were to become damaged;

• • political developments, including government shutdowns and other significant disruptions and changes in the funding, size, scope, and effectiveness of the federal government, its agencies and services;