HTB — what changed in the latest 10-Q

Text added vs the prior filing · source: 10-Q · 2026-05-06

• •the impact of geopolitical instability and trade policies on our operations including the imposition of tariffs and retaliatory tariffs;

• •effects of natural disasters, other severe weather events, epidemics and other public health issues, and other external events;

• •changes in interest rate levels and the duration of such changes, whether or not through actions by the Federal Reserve, which could materially affect our net interest margin, funding costs, asset values, and access to capital and liquidity;

• •the impact of inflation or a potential recession, including monetary and fiscal policy responses thereto, and the impact on consumer and business behavior;

• •the effects of a Federal government shutdown, a debt ceiling standoff, or other fiscal policy uncertainty;

Text removed vs the prior filing · source: 10-Q · 2025-11-06

• •the potential imposition of new or increased tariffs or changes to existing trade policies that could affect economic activity or specific industry sectors;

• •natural disasters, including the lingering effects of Hurricane Helene;

• •changes in the levels of general interest rates, and the relative differences between short- and long-term interest rates, deposit interest rates, our net interest margin and funding sources and the effects of inflation or a potential recession;

• •the impact of governmental actions or inactions, including a prolonged shutdown of the federal government;

• •there was no gain on the sale of branches in the current quarter compared to $1.4 million in the prior quarter;