FNWB — what changed in the latest 10-Q

Text added vs the prior filing · source: 10-Q · 2026-05-07

• the effects of changes in interest rates on the levels, composition and costs of deposits, loan demand and the values and liquidity of loan collateral, securities and interest-sensitive assets and liabilities;

• • changes in monetary and fiscal policies including interest rate policies of the Federal Reserve and the impacts of such changes on our earnings;

• our ability to successfully execute on growth strategies and integrate technology into our business;

• • pressures on liquidity as a result of withdrawals of customer deposits or declines in the value of our investment portfolio;

• • the soundness of other financial institutions and the impacts related to or resulting from bank failures and other economic and industry volatility, including increased regulatory requirements and costs and potential impact to macroeconomic conditions;

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

• continued depressed market demand for mortgage and Small Business Administration loans that we originate for sale;

• • changes in monetary and fiscal policies including interest rate policies of the Federal Reserve and the relative differences between short and long-term interest rates, deposit interest rates, our net interest margin and funding sources;

• whether our management team can succeed in implementing our operational strategy, including but not limited to our efforts to achieve higher net interest income and noninterest revenue growth;

• our ability to successfully execute on growth strategies related to our entry into new markets and delivery channels, including banking as a service;

• our ability to develop user-friendly digital applications to serve existing customers and attract new customers;