SFST 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-05-01

• ·The success and costs of our expansion into potential new markets;

• ·Changes in the interest rate environment which could reduce anticipated or actual margins;

• ·Changes in political, economic, legislative, or regulatory conditions, including new governmental initiatives affecting the financial services industry and potential disruptions resulting from U.S. federal government funding lapses, shutdowns, or related fiscal policy uncertainty;

• ·The rate of loan growth in recent years and the lack of seasoning of a portion of our loan portfolio;

• Our business model continues to be client-focused, utilizing relationship teams to provide our clients with a specific banker contact and support team responsible for all of their banking needs. The purpose of this structure is to

相对上期删除的文字 · 来源:10-Q · 2025-10-31

• ·The success and costs of our expansion into the Charlotte, North Carolina, Greensboro, North Carolina and Atlanta, Georgia markets and into potential new markets;

• ·Changes in the interest rate environment which could reduce anticipated or actual margins, including due to the Federal Reserve lowering interest rates to incent economic growth;

• ·Changes in political conditions or the legislative or regulatory environment, including new governmental initiatives affecting the financial services industry;

• Our business model continues to be client-focused, utilizing relationship teams to provide our clients with a specific banker contact and support team responsible for all of their banking needs. The purpose of this structure is to provide a consistent and superior level of professional service, and …

• At September 30, 2025, we had total assets of $4.36 billion, a 6.6% increase from total assets of $4.09 billion at December 31, 2024. The largest component of our total assets is loans which were $3.79 billion and $3.63 billion at September 30, 2025 and December 31, 2024, respectively. Our liabiliti…

相对上期新增的文字 · 来源:10-Q · 2026-05-01

• and a board risk committee that meets quarterly, and both committees are responsible for maintaining the level of interest rate sensitivity of our interest sensitive assets and liabilities within board-approved limits.

相对上期删除的文字 · 来源:10-Q · 2025-10-31

• such as interest rate swaps and other hedging instruments. Managing the amount of assets and liabilities repricing in the same time interval helps to hedge the risk and minimize the impact on net interest income of rising or falling interest rates. We have both an internal ALCO consisting of senior …