MCHB — what changed in the latest 10-Q
A section-by-section comparison of MCHB'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 · 2026-08-07 vs the prior 10-Q · 2026-05-08
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +27 | −31 | ~36 | 82 |
| Market risk (Item 3) | Text added/removed | +2 | −1 | ~2 | 13 |
| Controls & procedures | Text added/removed | 0 | 0 | ~3 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Other information | Text added/removed | +3 | −1 | 0 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Risk factors
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 · 2026-08-07
Provision (reversal of provision) for credit losses on unfunded lending commitments(1,863)174 (1,689)(631)
(2)Return on average tangible equity, efficiency ratio (excluding the impact of intangibles amortization), tangible book value per share, and tangible common equity ratio are non-GAAP financial measures. For a reconciliation of these measures to the comparable GAAP financial measure or the computati…
(dollars in thousands, except per share amounts)June 30, 2026December 31, 2025
(2)Return on average tangible equity, efficiency ratio (excluding the impact of intangibles amortization), tangible book value per share, and tangible common equity ratio are non-GAAP financial measures. For a reconciliation of these measures to the comparable GAAP financial measure or the computati…
Second Quarter of 2026 Compared to the First Quarter of 2026
Text removed vs the prior filing · source: 10-Q · 2026-05-08
(dollars in thousands, except per share amounts)March 31, 2026December 31, 2025March 31, 2025
Provision (reversal of provision) for credit losses on loans (1)
Provision (reversal of provision) for credit losses on unfunded lending commitments174 (1,316)94
(1)Prior period comparative disclosures for the fourth quarter of 2025 have been adjusted to reflect the impact of adoption of ASU 2025-08.
(3)Return on average tangible equity, efficiency ratio (excluding the impact of intangibles amortization), tangible book value per share, and tangible common equity ratio are non-GAAP financial measures. For a reconciliation of these measures to the comparable GAAP financial measure or the computati…
Market risk (Item 3)
Text added vs the prior filing · source: 10-Q · 2026-08-07
(dollars in thousands)3 Mos. or LessMore Than 3 Mos. to 6 Mos.More Than 6 Mos. to 12 Mos.More Than 12 Mos. to 3 Yrs.More Than 3 Yrs. to 5 Yrs.More Than 5 to 15 Yrs.More Than 15 Yrs.Total
Cumulative ratio of interest-earning assets to interest-bearing liabilities55 %63 %78 %134 %168 %103 %108 %
Text removed vs the prior filing · source: 10-Q · 2026-05-08
Cumulative ratio of interest-earning assets to interest-bearing liabilities63 %70 %86 %144 %180 %105 %108 %
Other information
Text added vs the prior filing · source: 10-Q · 2026-08-07
On June 17, 2026, Tony Kallingal, the Company’s Chief Banking Officer, entered into a “Rule 10b5-1 trading arrangement” as that term is defined in Regulation S-K, Item 408(a). Mr. Kallingal’s plan is intended to satisfy the affirmative defense of Rule 10b5-1(c) under the Exchange Act. The plan provi…
On June 18, 2026, Glenn Shrader, the Company’s General Counsel, entered into a “Rule 10b5-1 trading arrangement” as that term is defined in Regulation S-K, Item 408(a). Mr. Shrader’s plan is intended to satisfy the affirmative defense of Rule 10b5-1(c) under the Exchange Act. The plan provides for t…
Other than as described above, no other of our directors or officers adopted, modified, or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as those terms are defined in Regulation S-K, Item 408(a), during the second quarter of 2026.
Text removed vs the prior filing · source: 10-Q · 2026-05-08
During the quarter ended March 31, 2026, none of our directors or officers adopted, modified, or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as those terms are defined in Regulation S-K, Item 408(a).
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