AI interpretation based on checked source excerpts. Issuer assertions and evidence limitations remain explicit.
Policy quality-scores-2: six equally weighted categories. The overall score requires full coverage. Missing inputs are not zero. Qualitative grades are sourced interpretations, not probabilities. 3/6 · 18/10/2026
Moat38
Equal-weight average of four evidence-backed rubric grades (0–4), scaled to 100.
structural advantage · 1/4 · Non-interest-bearing deposits provide a current funding benefit, but similar competing services and pricing dependence limit structural differentiation. The peer-cost ranking is an issuer claim without supporting comparative figures.
durability · 1/4 · The disclosed deposit franchise persists over the comparison period, but demand withdrawals and competitive pricing make its protection fragile. No demonstrated multi-cycle relative advantage is supplied.
customer dependency · 2/4 · Broadly stable aggregate deposits and growth in non-interest-bearing balances indirectly support continuing customer use. Payable-on-demand accounts and similar alternatives limit evidence of dependency; switching costs are unquantified.
erosion resilience · 2/4 · Deposit stability and continued earnings demonstrate resilience during the disclosed period. Pricing-sensitive competition remains material, and those results do not establish protection against future erosion.
Pricing power—
Insufficient evidence for every rubric criterion; no category score is inferred.
realized pricing · — · No actual deposit-rate, lending-spread or fee-price changes are supplied. Increased deposit service-charge revenue and a claimed peer funding-cost advantage do not establish realized price outcomes.
retention · 2/4 · Aggregate deposits remained broadly stable while non-interest-bearing balances increased. This is indirect operating evidence of continuing demand, with no customer-level retention or evidence of retention following a specific price change.
margin resilience · — · Profitability continued, but supplied net interest margin and pricing-cost trajectories are insufficient to distinguish pricing resilience from credit, volume or other effects.
contractual freedom · — · The passages identify pricing as a competitive tool and demand-deposit withdrawal rights, but do not disclose sufficient repricing rights, notice provisions or fee-setting restrictions to assess contractual freedom.
Predictability—
Five consecutive annual periods with reported revenue and consolidated net income are required for financial-sector predictability.
Financial strength—
Insufficient current sector evidence for every criterion; no category score is inferred.
capital adequacy · — · The latest filing reports exceeding minimum requirements in the 2026 stress test and discloses a 2.5 percent stress capital buffer. Actual regulatory capital ratios and applicable total requirements are absent, preventing a current adequacy and headroom assessment.
liquidity funding · 2/4 · Deposits fund over 90 percent of average earning assets and remained broadly stable. Holding-company cash exceeded its disclosed policy minimum, with additional bank cash available. Rising brokered deposits and borrowings, plus missing uninsured-deposit concentration and total available liquidity, warrant a mixed grade.
asset liability risk · 2/4 · First-half provision declined to $159 million from $250 million, but net charge-offs exceeded provision by $73 million. Natural asset sensitivity and worsening AOCI demonstrate material exposures. These support a mixed assessment; reserve adequacy and full credit quality cannot be established.
earnings resilience · 3/4 · Reported GAAP common earnings stayed positive throughout 2021–2025 despite fluctuations, and first-half 2026 consolidated net income increased to $1.129 billion from $1.053 billion. This demonstrates resilience across the disclosed period without establishing immunity to a severe future downturn.
Capital allocation50
Qualitative bank assessment: equal-weight average of four current evidence-backed grades (0–4), scaled to 100. Policy financial-industry-1; not an industrial ratio score or credit rating.
capital efficiency · 2/4 · 2025 consolidated net income of $2.156 billion divided by average beginning/end reported shareholders’ equity implies approximately 11.7 percent return on that accounting equity measure. This supports productive capital use, but is not ROATCE or regulatory-capital return and lacks a comparative cost-of-capital benchmark.
distributions and buffers · 2/4 · First-half 2026 cash common dividends of $458 million, preferred dividends of $41 million and buybacks of $460 million totaled $959 million against $1.129 billion of net income. Holding-company liquidity exceeded policy minimums, but equity fell and regulatory headroom is unquantified.
dilution and cost · 2/4 · First-half diluted weighted-average shares declined from 905 million to 862 million, demonstrating net share reduction despite compensation issuance. Buybacks consumed $460 million and borrowings increased; full compensation expense and financing costs are missing, limiting assessment of the cost of that reduction.
investment discipline · 2/4 · Actual strategic runoff of leveraged lending shows portfolio selectivity, while modernization generated current professional costs. Profits and fraud-loss improvements provide operating context, but acquisition returns and modernization investment outcomes remain unquantified.
Management69
Equal-weight average of four evidence-backed rubric grades (0–4), scaled to 100.
capital discipline · 2/4 · Actual distributions remained below first-half 2026 net income and share counts declined. However, borrowings increased and accounting equity declined; missing regulatory ratios prevent a stronger conclusion about buffer preservation.
incentive alignment · 3/4 · Granted 2025 performance awards use three-year absolute and relative return and EPS hurdles, while RSUs have capital/liquidity forfeiture conditions. These are concrete alignment mechanisms, supported by ownership guidelines and hedging restrictions, but actual ownership compliance and eventual vesting outcomes are not supplied.
execution · 3/4 · Higher first-half net income, stable deposits and lower operational losses attributed to fraud-prevention countermeasures support demonstrated execution. This assessment partly uses indirect operating outcomes; modernization benefits are not yet established.
governance · 3/4 · Annual elections, independent standing committees, a lead independent director, proxy access and an existing special-meeting right demonstrate substantive safeguards. Combined CEO, president and chair roles limit separation; proposed supermajority amendments are not counted as adopted.
Evidence
The following table summarizes deposits by category and by segment: Table 14—Deposits by Category and by Segment June 30, 2026 December 31, 2025 (In millions) Non-interest-bearing deposits $ 40,538 $ 39,530 Interest-bearing checking 25,001 25,677 Savings 12,277 11,914 Money market—domestic 39,974 40,119 Time deposits 12,920 13,888 $ 130,710 $ 131,128 Consumer Bank segment $ 80,972 $ 80,193 Corporate Bank segment 39,952 40,449 Wealth Management segment 7,466 8,344 Other(1) 2,320 2,142 $ 130,710 $ 131,128 ____ (1) Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits).
MD&A, Table 14—Deposits by Category and by Segment · Filed 06/08/2026
Deposits are Regions’ primary source of funds, providing funding for over 90 percent of average earning assets at both June 30, 2026 and December 31, 2025.
MD&A, deposit funding · Filed 06/08/2026
◼Presided over top-tier profitability driven by disciplined balance-sheet management, top-quartile deposit growth, and maintaining the lowest deposit costs among peers.
Proxy statement, executive performance discussion · Filed 23/03/2026
Regions’ ability to compete in the deposit market depends heavily on the pricing of its deposits and how effectively the Company meets customers’ needs.
MD&A, deposit competition and pricing · Filed 06/08/2026
In our market areas, we face competition from other commercial banks, savings and loan associations, credit unions, internet banks, fintechs, finance companies, mutual funds, insurance companies, brokerage and investment banking firms, mortgage companies and other financial intermediaries that offer similar services.
Strategic Risks, competing providers offering similar services · Filed 24/02/2026
In particular, if we experience an outflow of deposits as a result of our customers seeking investments with higher yields or greater financial stability, we may be forced to rely more heavily on borrowings and other sources of funding to operate our business and meet withdrawal demands, thereby adversely affecting our net interest margin and financial performance.
Strategic Risks, potential deposit outflows and replacement funding · Filed 24/02/2026
EARNINGS PER COMMON SHARE The following table sets forth the computation of basic earnings per common share and diluted earnings per common share: Three Months Ended June 30 Six Months Ended June 30 2026 2025 2026 2025 (In millions, except per share data) Numerator: Net income $ 570 $ 563 $ 1,129 $ 1,053 Preferred stock dividends and other (1) (21) (29) (41) (54) Net income available to common shareholders $ 549 $ 534 $ 1,088 $ 999 Denominator: Weighted-average common shares outstanding—basic $ 854 $ 898 $ 858 $ 902 Potential common shares 3 2 4 3 Weighted-average common shares outstanding—diluted $ 857 $ 900 $ 862 $ 905 Earnings per common share: Basic $ 0.64 $ 0.59 $ 1.27 $ 1.11 Diluted $ 0.64 $ 0.59 $ 1.26 $ 1.10 ______ (1) Preferred stock dividends and other for the three and six months ended June 30, 2025 included $4 million of issuance costs associated with the redemption of Series D preferred shares in the second quarter of 2025.
Notes, Earnings per Common Share · Filed 06/08/2026
Regions Financial Corporation | 2026 Proxy Statement F-2 APPENDIX F Adjusted EPS - LTIP (Non-GAAP) Year Ended December 31 (Unaudited) 2025 2024 2023 2022 2021 ($)(millions) Net income available to common shareholders (GAAP) A 2,061 1,774 1,976 2,146 2,400 Adjustments, net of tax:(1) Adjusted net charge-offs (over)/under provision (2)(3) (33) 22 137 76 (546) Preferred stock redemption expense (4) 4 15 — — 13 Leveraged lease termination gain, net — — (1) (1) (2) Insurance proceeds — — — (38) — Gain on equity investment — — — — (2) Bank owned life insurance (5) — — — — (18) Securities (gains) losses 38 156 4 1 (2) FDIC insurance special assessment (13) 12 89 — — Salaries and employee benefits—severance charges 2 23 23 — 5 Branch consolidation, property and equipment charges (3) 3 5 2 4 Professional, legal and regulatory expenses (6) 1 2 1 145 12 Early extinguishment of debt — — (3) — 15 Contributions to the Regions Foundation — — — — 3 Other miscellaneous expenses (7) — (32) — — — Net provision (expense) benefit from sale of consumer loans (3) — — 6 (23) — Adjusted net income available to common shareholders-LTIP (non-GAAP) B 2,057 1,975 2,237 2,308 1,882 Weighted-average dilutive shares C 896 918 938 942 963 Diluted EPS (GAAP) A/C 2.30 1.93 2.11 2.28 2.49 Adjusted Diluted EPS (Non-GAAP) B/C $ 2.30 $ 2.15 $ 2.38 $ 2.45 $ 1.95 (1)Calculated by applying the Company’s nominal tax rate of 25% to the adjustments for annual cash incentive plan purposes (non-GAAP).
Appendix F, GAAP earnings and LTIP adjustments, 2021–2025 · Filed 23/03/2026
11 Table of Contents REGIONS FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (Unaudited) Shareholders' Equity Preferred Stock Common Stock Additional Paid-In Capital Retained Earnings Treasury Stock, At Cost Accumulated Other Comprehensive Income (Loss), Net Total Non- controlling Interest Shares Amount Shares Amount (In millions, except per share data) BALANCE AT JANUARY 1, 2025 2 $ 1,715 909 $ 9 $ 11,394 $ 9,060 $ (1,371) $ (2,928) $ 17,879 $ 31 Net income — — — — — 490 — — 490 — Other comprehensive income, net of tax — — — — — — — 636 636 — Cash dividends declared — — — — — (226) — — (226) — Preferred stock dividends — — — — — (25) — — (25) — Impact of common stock share repurchases — — (10) — (242) — — — (242) — Impact of common stock transactions under compensation plans, net — — — — 9 — — — 9 — Other — — — — — — — 9 9 6 BALANCE AT MARCH 31, 2025 2 $ 1,715 899 $ 9 $ 11,161 $ 9,299 $ (1,371) $ (2,283) $ 18,530 $ 37 BALANCE AT APRIL 1, 2025 2 $ 1,715 899 $ 9 $ 11,161 $ 9,299 $ (1,371) $ (2,283) $ 18,530 $ 37 Net income — — — — — 563 — — 563 — Other comprehensive income, net of tax — — — — — — — 316 316 — Cash dividends declared — — — — — (224) — — (224) — Preferred stock dividends — — — — — (25) — — (25) — Redemption of Series D preferred stock (1) (346) — — — (4) — — (350) — Impact of common stock share repurchases — — (7) — (144) — — — (144) — Impact of common stock transactions under compensation plans, net — — 2 — — — — — — — Other — — — — — — — — — $ 3 BALANCE AT JUNE 30, 2025 1 $ 1,369 894 $ 9 $ 11,017 $ 9,609 $ (1,371) $ (1,967) $ 18,666 $ 40 BALANCE AT JANUARY 1, 2026 1 $ 1,369 868 $ 9 $ 10,366 $ 10,205 $ (1,371) $ (1,535) $ 19,043 $ 60 Net income — — — — — 559 — — 559 — Other comprehensive income (loss), net of tax — — — — — — — (183) (183) — Cash dividends declared — — — — — (227) — — (227) — Preferred stock dividends — — — — — (20) — — (20) — Impact of common stock share repurchases — — (14) — (401) — — — (401) — Impact of common stock transactions under compensation plans, net — — — — 8 — — — 8 — Other — — — — — — — — — 5 BALANCE AT MARCH 31, 2026 1 $ 1,369 854 $ 9 $ 9,973 $ 10,517 $ (1,371) $ (1,718) $ 18,779 $ 65 BALANCE AT APRIL 1, 2026 1 $ 1,369 854 $ 9 $ 9,973 $ 10,517 $ (1,371) $ (1,718) $ 18,779 $ 65 Net income — — — — — 570 — — 570 — Other comprehensive income (loss), net of tax — — — — — — — (204) (204) — Cash dividends declared — — — — — (226) — — (226) — Preferred stock dividends — — — — — (21) — — (21) — Impact of common stock share repurchases — — (2) — (59) — — — (59) — Impact of common stock transactions under compensation plans, net — — 1 — 1 — — — 1 — Other — — — — — — — — — 6 BALANCE AT JUNE 30, 2026 1 $ 1,369 853 $ 9 $ 9,915 $ 10,840 $ (1,371) $ (1,922) $ 18,840 $ 71 See notes to consolidated financial statements.
Consolidated Statements of Changes in Shareholders’ Equity · Filed 06/08/2026
12 Table of Contents REGIONS FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) Six Months Ended June 30 2026 2025 (In millions) Operating activities: Net income $ 1,129 $ 1,053 Adjustments to reconcile net income to net cash from operating activities: Provision for credit losses 159 250 Depreciation, amortization and accretion, net 47 41 Securities (gains) losses, net 44 26 Deferred income tax expense (benefit) 142 17 Originations and purchases of loans held for sale (3,307) (2,491) Proceeds from sales of loans held for sale 3,268 2,585 (Gain) loss on sale of loans, net (18) (23) Net change in operating assets and liabilities: Other earning assets 129 (66) Interest receivable and other assets (713) 611 Other liabilities 268 (353) Other 88 (11) Net cash from operating activities 1,236 1,639 Investing activities: Proceeds from maturities of debt securities held to maturity 379 288 Proceeds from sales of debt securities available for sale 1,212 615 Proceeds from maturities of debt securities available for sale 1,654 1,558 Purchases of debt securities available for sale (2,911) (3,987) Net (payments for) proceeds from bank-owned life insurance 7 3 Proceeds from sales of loans 110 190 Purchases of loans (137) (187) Net change in loans (3,733) (274) Purchases of mortgage servicing rights (17) (19) Net purchases of other assets (124) (169) Net cash from investing activities (3,560) (1,982) Financing activities: Net change in deposits (418) 3,316 Net change in short-term borrowings 2,250 (500) Proceeds from long-term borrowings 1,499 — Payments on long-term borrowings (1,000) (750) Cash dividends on common stock (458) (453) Cash dividends on preferred stock (41) (50) Payment for redemption of preferred stock — (350) Repurchases of common stock (460) (386) Taxes paid related to net share settlement of equity awards (25) (21) Other (4) — Net cash from financing activities 1,343 806 Net change in cash and cash equivalents (981) 463 Cash and cash equivalents at beginning of year 10,907 10,712 Cash and cash equivalents at end of period $ 9,926 $ 11,175 See notes to consolidated financial statements.
Consolidated Statements of Cash Flows · Filed 06/08/2026
Cash and cash equivalents at the holding company exceeded minimums and totaled $907 million at June 30, 2026.
MD&A, Liquidity, holding-company cash · Filed 06/08/2026
The Company's liquidity policy requires the holding company to maintain cash sufficient to cover the greater of (1) 18 months of debt service and other cash needs or (2) a minimum cash balance of $500 million.
MD&A, Liquidity, holding-company minimum cash policy · Filed 06/08/2026
At June 30, 2026, Regions had approximately $6.4 billion in cash on deposit with the Federal Reserve Bank and other depository institutions.
MD&A, cash at the Federal Reserve Bank and other institutions · Filed 06/08/2026
Other deposits include brokered deposits totaling $1.6 billion at June 30, 2026 and $1.3 billion at December 31, 2025.
MD&A, brokered deposits · Filed 06/08/2026
In the three and six months ended June 30, 2026, net charge-offs exceeded provision by $34 million and $73 million, respectively.
MD&A, Provision for Credit Losses · Filed 06/08/2026
Exposure to Interest Rate Movements—Regions' balance sheet is naturally asset sensitive, with net interest income increasing with higher interest rates, and decreasing with lower interest rates.
MD&A, Exposure to Interest Rate Movements · Filed 06/08/2026
In the second quarter of 2026, the FRB released the results of its annual stress test, which indicated that Regions exceeded all minimum capital requirements.
Notes, regulatory stress-test results · Filed 06/08/2026
The Company's SCB is floored at 2.5 percent from the fourth quarter of 2025 through the third quarter of 2026.
Notes, stress capital buffer · Filed 06/08/2026
BOARD INDEPENDENCE, LEADERSHIP, AND COMPOSITION Board Refreshment Independent Board Leadership Board Composition Committee Leadership Director Retirement Age Intentional and ongoing Board refreshment; 7 Directors added in last 5 years Strong Lead Independent Director role with robust duties; 100% independence in standing committee membership Commitment to seeking wide-ranging skills, experience, and perspectives on the Board Strong, independent committee chairs with balance of expertise and backgrounds Mandatory Director retirement age of 72 SHAREHOLDER RIGHTS AND ENGAGEMENT Year-Round Engagement Shareholder Right to Call Special Meeting Proxy Access By-Law Director Resignation Policy Other Shareholder Rights Ongoing dialogue with institutional shareholders and shareholder proponents, including Director-Shareholder engagement when requested Our By-Laws permit shareholders who own 25% or more of Regions stock to call a special meeting of shareholders Shareholders owning at least 3% of Regions stock for at least 3 years may submit up to 2 or 20% of Director nominees for inclusion in proxy statement Director who fails to receive a majority of the votes cast shall automatically be deemed to have tendered their resignation for the Board’s consideration One Share, One Vote; Annual Director Elections; No Poison Pill ADDITIONAL BEST PRACTICES Actionable Evaluations No Hedging/Pledging Overboarding Policy Stock Ownership Guidelines Governance Documents Electronic annual Board self-evaluations with third-party reporting and analysis, 1:1 calls, and group discussions Directors and executive officers are prohibited from entering into hedging arrangements or pledging stock Overboarding policy consistent with high standards of shareholders; no overboarded Directors under our policy Stock ownership guidelines for Directors and executive officers with sale restrictions until achieved Annual review of governance documents, including Corporate Governance Principles and committee charters Regions Financial Corporation | 2026 Proxy Statement 5 PROPOSAL ONE Election of Directors The Board has determined that it is good governance for all Directors to be elected annually, as we believe that annual elections keep the Directors accountable to our shareholders.
Proxy statement, governance practices and shareholder rights · Filed 23/03/2026
The 2025 PCUs and PSUs include performance hurdles based on the Company’s absolute and relative ROATCE and EPS Growth over the three-year period from January 1, 2025, through December 31, 2027.
Proxy statement, 2025 PCU and PSU performance hurdles · Filed 23/03/2026
The RSUs generally cliff vest three years from the date of grant; however, up to 40% of a grant may be forfeited if certain capital and liquidity performance thresholds are not met.
Proxy statement, RSU vesting and capital/liquidity conditions · Filed 23/03/2026
Operational losses decreased in the three and six months ended June 30, 2026 compared to the same periods in 2025 primarily due to a decline in check fraud resulting from effective prevention countermeasures.
MD&A, Operational Losses · Filed 06/08/2026
Professional, legal, and regulatory expenses increased in the three months ended March 31, 2026 compared to the same period in 2025 primarily due to an increase in accruals for legal matters and professional fees associated with core systems modernization.
MD&A, Professional, Legal and Regulatory Expenses · Filed 07/05/2026
Commercial and industrial loans decreased $881 million since year-end 2024 due to strategic runoff in leveraged lending, continued portfolio resolutions, and loans refinancing off the balance sheet through the debt capital markets.
MD&A, commercial and industrial loan runoff · Filed 24/02/2026
88 Table of Contents REGIONS FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY Shareholders' Equity Preferred Stock Common Stock Additional Paid-In Capital Retained Earnings Treasury Stock, At Cost Accumulated Other Comprehensive Income (Loss), Net Total Non- controlling Interest Shares Amount Shares Amount (In millions, except per share data) BALANCE AT JANUARY 1, 2023 2 $ 1,659 934 $ 10 $ 11,988 $ 7,004 $ (1,371) $ (3,343) $ 15,947 $ 4 Cumulative effect from change in accounting guidance 28 28 Net income — — — — — 2,074 — — 2,074 — Other comprehensive income, net of tax — — — — — — — 531 531 — Cash dividends declared — — — — — (822) — — (822) — Preferred stock dividends — — — — — (98) — — (98) — Impact of common stock share repurchases — — (16) — (252) — — — (252) — Impact of common stock transactions under compensation plans, net — — 6 — 21 — — — 21 — Other — — — — — — — — — 60 BALANCE AT DECEMBER 31, 2023 2 $ 1,659 924 $ 10 $ 11,757 $ 8,186 $ (1,371) $ (2,812) $ 17,429 $ 64 Cumulative effect from change in accounting guidance — — — — — (5) — — (5) — Net income — — — — — 1,893 — — 1,893 — Other comprehensive income (loss), net of tax — — — — — — — (116) (116) — Cash dividends declared — — — — — (895) — — (895) — Preferred stock dividends — — — — — (104) — — (104) — Net proceeds from issuance of Series F preferred stock — 489 — — — — — — 489 — Redemption of Series B preferred stock — (433) — — (52) (15) — — (500) — Impact of common stock share repurchases — — (17) (1) (347) — — — (348) — Impact of common stock transactions under compensation plans, net — — 2 — 36 — — — 36 — Other — — — — — — — — — (33) BALANCE AT DECEMBER 31, 2024 2 $ 1,715 909 $ 9 $ 11,394 $ 9,060 $ (1,371) $ (2,928) $ 17,879 $ 31 Net income — — — — — 2,156 — — 2,156 — Other comprehensive income, net of tax — — — — — — — 1,393 1,393 — Cash dividends declared — — — — — (916) — — (916) — Preferred stock dividends — — — — — (91) — — (91) — Redemption of Series D preferred stock (1) (346) — — — (4) — — (350) — Impact of common stock share repurchases — — (44) — (1,067) — — — (1,067) — Impact of common stock transactions under compensation plans, net — — 3 — 39 — — — 39 — Other — — — — — — — — — 29 BALANCE AT DECEMBER 31, 2025 1 $ 1,369 868 $ 9 $ 10,366 $ 10,205 $ (1,371) $ (1,535) $ 19,043 $ 60 See notes to consolidated financial statements.
Consolidated Statements of Changes in Shareholders’ Equity, 2023–2025 · Filed 24/02/2026
6/30/2025 2026 2025 Amount Percent (Dollars in millions) Service charges on deposit accounts $ 167 $ 151 $ 16 10.6 % Card and ATM fees 126 125 1 0.8 % Investment management and trust fee income 97 90 7 7.8 % Capital markets income 84 83 1 1.2 % Mortgage income 33 48 (15) (31.3) % Investment services fee income 53 43 10 23.3 % Commercial credit fee income 28 29 (1) (3.4) % BOLI income 24 24 — — % Market value adjustments on employee benefit assets 24 16 8 50.0 % Securities gains (losses), net (41) (1) (40) NM Other miscellaneous income 35 38 (3) (7.9) % $ 630 $ 646 $ (16) (2.5) % 73 Table of Contents Six Months Ended June 30 Year-to-Date Change 6/30/2026 vs.
MD&A, Table 23—Non-Interest Income · Filed 06/08/2026
(4)The fair value of non-interest-bearing deposit accounts, interest-bearing checking accounts, savings accounts, and money market accounts is the amount payable on demand at the reporting date (i.e., the carrying amount) as these instruments have an indeterminate maturity date.
Notes, fair value of deposits payable on demand · Filed 06/08/2026
The Company's CODM is the CEO, President and Chair of the Board.
Notes, business segment information and combined leadership roles · Filed 06/08/2026
