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 · 2026-05-13 vs the prior 10-Q · 2025-11-13
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +15 | −29 | ~28 | 58 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~3 | 2 |
| 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 | −1 | ~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 · 2026-05-13
the impact of losses related to fraudulent transactions and scams;
The Company determines interest rate spread and margin on both a US GAAP and tax equivalent basis. The use of tax equivalent basis in determining interest rate spread and margin is considered a non-US GAAP measure. The Company believes the use of this measure provides meaningful information to the r…
Total interest income for the three months ended March 31, 2026 increased $1.6 million to $18.5 million, as compared to $16.9 million for the three months ended March 31, 2025. Average earning assets were $1.74 billion for the three months ended March 31, 2026 as compared to $1.64 billion for the th…
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…
Text removed vs the prior filing · source: 10-Q · 2025-11-13
Net income for the nine months ended September 30, 2025 was $10.1 million compared to net income for the nine months ended September 30, 2024 of $7.7 million, an increase of $2.4 million, or 30.7%. Basic and diluted earnings per share increased to $1.32 for the nine months ended September 30, 2025, …
The Company determines interest rate spread and margin on both a US GAAP and tax equivalent basis. The use of tax equivalent basis in determining interest rate spread and margin is considered a non-US GAAP measure. The Company believes the use of this measure provides meaningful information to the r…
Total interest income for the three months ended September 30, 2025 increased $1.3 million to $18.3 million, as compared to $16.9 million for the three months ended September 30, 2024. Average earning assets were $1.69 billion for the three months ended September 30, 2025, as compared to $1.63 billi…
Total interest expense for the three months ended September 30, 2025 decreased $348 thousand to $7.4 million, as compared to $7.8 million for the three months ended September 30, 2024. Average interest bearing liabilities were $1.28 billion for the three months
ended September 30, 2025 and $1.23 billion for the three months ended September 30, 2024. The yield on average interest bearing liabilities was 2.30% and 2.51% for the third quarter of 2025 and 2024, respectively. Over the past year the Company has experienced a consistent decrease in the cost of fu…
Other information
Text removed vs the prior filing · source: 10-Q · 2025-11-13
On September 8, 2025, Judith A. Hunsicker, First Executive Officer, Chief Financial Officer and Chief Operating Officer of the Company (the “Insider”), adopted a written plan providing for the periodic sale of shares of Company common stock owned by the Insider (the “Plan”) solely to satisfy the wit…
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