HBANZ — what changed in the latest 10-Q
A section-by-section comparison of HBANZ'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 · 2026-10-27 vs the prior 10-Q · 2026-07-28
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +155 | −187 | ~172 | 539 |
| Market risk (Item 3) | No paragraph-level changes | 0 | 0 | 0 | 2 |
| Controls & procedures | Text added/removed | 0 | 0 | ~3 | 14 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 2 |
| Risk factors | No paragraph-level changes | 0 | 0 | 0 | 4 |
| Other information | Text added/removed | 0 | 0 | ~1 | 2 |
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 · 2026-10-27
Commercial and Vehicle Finance businesses delivering expertise nationally.
favorably impacted by $24 million from the gain on sale of a portion of our corporate trust and custody business and
$6 million FDIC DIF special assessment adjustments, partially offset by $14 million of acquisition-related expenses,
which, together, increased diluted earnings on an after tax basis by $0.01 per common share.
Net interest income was $2.1 billion for the third quarter of 2026, an increase of $563 million, or 37%, from the
Text removed vs the prior filing · source: 10-Q · 2026-07-28
of 2025 was impacted by $6 million of staffing efficiencies expense, partially offset by $3 million of favorable FDIC
Deposit Insurance Fund special assessment adjustments, which combined reduced diluted earnings on an after tax
Net interest income was $2.1 billion for the second quarter of 2026, an increase of $585 million, or 40%, from
the year-ago quarter. FTE net interest income, a non-GAAP financial measure, increased $589 million, or 40%, from
the year-ago quarter. The increase in FTE net interest income primarily reflected a $67.5 billion, or 35%, increase in
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