OPBK 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-08-07

• The Board of Governors of the Federal Reserve System ("Federal Reserve") maintained the Federal Funds Rate target range at 3.50% to 3.75% at its July 29, 2026 meeting, continuing its pause in monetary policy adjustments. The Federal Reserve indicated that future policy decisions will remain dependen…

• In May 2026, the SEC issued proposed rule amendments that, if adopted, would permit public companies to elect semiannual reporting in lieu of quarterly reporting and would simplify the public company filer status framework while expanding certain reporting accommodations available to smaller issuers…

• The Community Bank Leverage Ratio (“CBLR”) framework is an optional regulatory capital framework that allows qualifying community banking organizations to use a simple leverage ratio rather than calculating certain risk-based capital ratios. The Company plans to elect the CBLR framework beginning in…

• The Company continues to monitor changes in the banking environment and adjust its operating, funding, and risk management strategies as appropriate.

• (2) Represents noninterest expense divided by the sum of net interest income and noninterest income.

相对上期删除的文字 · 来源:10-Q · 2026-05-15

• The Board of Governors of the Federal Reserve System ("Federal Reserve") maintained the Federal Funds Rate target range at 3.50% to 3.75% on April 29, 2026, marking the third consecutive policy pause this year. The FOMC reiterated that future rate decisions will remain data‑dependent as inflation co…

• We believe we have responded effectively to the evolving dynamics of the banking environment. Our ability to navigate recent challenges is largely attributable to the continued loyalty of our customers and the dedication and expertise of our employees and management team.

• (2) Represent noninterest expense divided by the sum of net interest income and noninterest income.

• Allowance for credit losses on loans to nonperforming loans155 199 (44)%

• Allowance for credit losses on loans to gross loans1.27 1.28 (1)

相对上期新增的文字 · 来源:10-Q · 2026-08-07

• are not intended as a forecast of the actual effect of a change in market interest rates on our results but rather as a means to better plan and execute appropriate asset-liability management strategies and manage our interest rate risk.

• Potential changes to our net interest income in hypothetical rising and declining rate scenarios calculated as of June 30, 2026 and December 31, 2025 are presented in the following table. The projections assume (1) immediate, parallel shifts downward of the yield curve of 100, 200 and 300 basis poin…

相对上期删除的文字 · 来源:10-Q · 2026-05-15

• Potential changes to our net interest income in hypothetical rising and declining rate scenarios calculated as of March 31, 2026 and December 31, 2025 are presented in the following table. The projections assume (1) immediate, parallel shifts downward of the yield curve of 100, 200 and 300 basis poi…

相对上期新增的文字 · 来源:10-Q · 2026-08-07

• There have not been any changes in the Company’s internal control over financial reporting (as such term is defined in Rule 13a-15(f) under the Exchange Act), during the period covered by this Form 10-Q, that have materially affected, or are reasonably likely to materially affect, the Company’s inte…

相对上期删除的文字 · 来源:10-Q · 2026-05-15

• processed, summarized and reported within the time periods specified in the rules and forms of the SEC and that information required to be disclosed by the Company in the reports it files or submits under the Exchange Act is accumulated and communicated to the Company’s management, including its Pre…

• There have not been any changes in the Company’s internal control over financial reporting (as such term is defined in Rule 13a-15(f) under the Exchange Act), during the period covered by this Report, that have materially affected, or are reasonably likely to materially affect, the Company’s interna…