EWBC on Nasdaq

East West Bank

Logo: East West Bank, Public domain, via Wikimedia Commons5

American bank

East West Bank is an American bank that is the primary subsidiary of East West Bancorp. It is the largest publicly traded bank headquartered in Southern California. The company has been ranked the #1 performing U.S. bank with more than $10 billion in assets by S&P Global Market Intelligence, and the top performing bank in its asset size (in excess of $50 billion) by Bank Director for three straight years since 2023.3 Its shares trade on Nasdaq under the symbol EWBC.1 Wikipedia text CC BY-SA 4.0

Price unavailable

Last updated Oct 21, 2026.

Overview

Jan 2, 1973Founded1

Compare with Cathay Bank, Tri Counties Bank or WASHINGTON TRUST BANCORP INC, or pick any stock.

  • TickerEWBC on Nasdaq1
  • Industryfinancial services1
  • HeadquartersPasadena1
  • Founded inLos Angeles1
  • Websitewww.eastwestbank.com
  • Incorporated inDE6
  • Business address135 N. Los Robles Ave. 7Th Floor, Pasadena, Ca 911016
  • Filer categoryLarge accelerated filer6
  • Legal formCorporation4
  • LEIF28JOQ8OBWCFUYM0UX934
  • StatusActive4
  • LEI statusIssued and current4
  • Registered address135 N Los Robles Ave, 91101 Pasadena, United States4
  • Registered withFederal Deposit Insurance Corporation, 316284
EastWestBankChinatownHouston0
Photo: WhisperToMe, CC0, via Wikimedia Commons9

East West Bank is an American bank that is the primary subsidiary of East West Bancorp. It is the largest publicly traded bank headquartered in Southern California. The company has been ranked the #1 performing U.S. bank with more than $10 billion in assets by S&P Global Market Intelligence, and the top performing bank in its asset size (in excess of $50 billion) by Bank Director for three straight years since 2023.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2019

1218.5%Net margin10
13.4%Return on equity11
$723.3MFree cash flow10

Where the money goes

Where each dollar of revenue went, fiscal 2019

  • Interest33¢$414.5M
  • Income tax13¢$169.9M
  • Profit54¢$674.0M

Out of $55.3M in revenue.1210

Where each dollar of operating cash went, fiscal 2019

  • Capital spending1¢$9.9M
  • Kept or used elsewhere99¢$723.3M

Out of $733.1M of cash from operations.10

Financial statements

Every line of the income statement as filed: the last 3 fiscal years, latest first.15

Period ending2025-12-312024-12-312023-12-31
Loans receivable, including fees$3.5B$3.5B$3.2B
Debt securities$621.9M$449.1M$276.2M
Resale agreements$6.5M$11.3M$20.2M
Restricted equity securities$11.2M$10.1M$4.1M
Interest-bearing cash and deposits with banks$159.1M$231.8M$220.6M
Total interest and dividend income$4.3B$4.2B$3.7B
Deposits$1.6B$1.7B$1.2B
Federal funds purchased and other short-term borrowings$22.0K$42.2M$157.0M
FHLB advances$141.5M$147.3M$6.4M
Securities sold under repurchase agreements (repurchase agreements)$2.1M$197.0K$1.5M
Long-term debt and finance lease liabilities$2.7M$4.7M$11.1M
Total interest expense$1.7B$1.9B$1.4B
Net interest income before provision for credit losses$2.6B$2.3B$2.3B
Provision for credit losses$160.0M$174.0M$125.0M
Net interest income after provision for credit losses$2.4B$2.1B$2.2B
Commercial and consumer deposit-related fees$111.8M$103.9M$93.8M
Lending and loan servicing fees$108.0M$98.5M$83.9M
Foreign exchange income$58.9M$54.6M$48.3M
Wealth management fees$50.0M$38.6M$27.0M
Customer derivative income, net of mark-to-market adjustments$16.9M$16.4M$20.2M
Net gains (losses) on AFS debt securities$963.0K$2.1M-$6.9M
Other investment income$10.9M$5.6M$9.3M
Other income$21.8M$15.6M$17.5M
Total noninterest income$379.2M$335.2M$293.1M
Compensation and employee benefits$618.8M$550.7M$508.5M
Occupancy and equipment expense$66.1M$64.4M$64.5M
Deposit account expense$35.2M$47.4M$43.1M
Computer and software related expenses$54.7M$47.3M$44.5M
Deposit insurance premiums and regulatory assessments$31.7M$45.7M$103.3M
Other operating expense$165.0M$148.3M$136.3M
Amortization of tax credit and CRA investments$74.8M$54.2M$120.3M
Total noninterest expense$1.0B$958.1M$1.0B
INCOME BEFORE INCOME TAXES$1.7B$1.5B$1.5B
Income tax expense$400.3M$316.3M$298.6M
NET INCOME$1.3B$1.2B$1.2B
BASIC (in dollars per share)$9.58$8.39$8.23
DILUTED (in dollars per share)$9.52$8.33$8.18
BASIC (in shares)138.3M shares138.9M shares141.2M shares
DILUTED (in shares)139.1M shares140.0M shares141.9M shares

Compare East West Bank with another company

Corporate structure

East West Bank is part of a group headed by East West Bancorp. 4 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of East West Bank

  • East West Bancorp Pasadena, California, United States
    • East West Bank Pasadena, California, United States
      • Landsea Homes Corp Stake · Dallas, Texas
      • East West Markets, LLC Subsidiary · 100% · Dallas, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; subsidiaries, stakes and holdings from Wikidata (CC0); major holders from Schedules 13D and 13G; stakes of 5% or more it reported on Schedules 13D and 13G (1 companies). Each entity in the chart links to its source.

What it owns

What East West Bank reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Accumulated depreciation$175.3M15 Dec 31, 2025$166.2M15 Dec 31, 2024+5.5%
Property and equipment, net$82.3M15 Dec 31, 2025$82.2M15 Dec 31, 2024+0.1%
Operating-lease assets (leased space)$125.4M15 Dec 31, 2025$82.0M15 Dec 31, 2024+53.0%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$4.2B15 Dec 31, 2025$5.3B15 Dec 31, 2024−20.2%
Stakes in other companies (equity method)$108.0M15 Dec 31, 2025$129.6M17 Dec 31, 2013−16.7%
Loans, net of allowance$56.1B15 Dec 31, 2025$53.0B15 Dec 31, 2024+5.7%
Deposits held (banks)$67.1B15 Dec 31, 2025$63.2B15 Dec 31, 2024+6.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$465.7M15 Dec 31, 2025$465.7M15 Dec 31, 20240%

Properties, in its own words

East West’s corporate headquarters is located at 135 North Los Robles Avenue, Pasadena, California, an eight-story office building, of which it owns 50%. The Company operates in 20 owned and over 90 leased locations in the U.S. and Asia. In the U.S., the Bank’s main operations and administrative offices are located in Southern California. All properties occupied by the Bank are available to be used across all business segments and for corporate purposes.

The Company believes that its facilities are adequate and suitable for its business needs. It evaluates its current and projected space needs and may determine that certain premises or facilities are no longer necessary for its operations. The Company believes that, if necessary, it could secure alternative properties on similar terms without adversely affecting its operations.

Item 2 of the 10-K filed Feb 27, 2026.18

The story

History

In 1973, East West Federal Bank was founded as a federal savings and loan association, focused on serving the Chinese American community in Southern California.

In 1991, during the savings and loan crisis, the company acquired Pacific Coast Savings, which increased the bank's assets from $600 million to $1 billion and expanded operations to San Francisco, California.

In 1992, Dominic Ng was named CEO of the company. East West became a state-chartered commercial bank on July 31, 1995. In 1999, the company acquired First Central Bank for $13.5 million in cash.

In 2004, East West acquired Trust Bank, a Chinese American bank based in Monterey Park, California, with four branches and $235 million in assets, for $32.9 million. In 2005, the company acquired United National Bank, a commercial bank headquartered in San Marino, California, with 11 branches and $665 million in loans receivable, for $177.9 million. In 2006, the company acquired Standard Bank, a Chinese-American bank headquartered in Monterey Park, California, with 6 branches and $923 million in assets, for $200 million.

In 2007, the company acquired Desert Community Bank, a community bank operating in the Victor Valley region of California. Desert Community Bank branches remained branded as such and did not change to East West. In November 2017, East West agreed to sell Desert Community Bank to Flagstar Bank; the deal was completed in March 2018.

In 2009, East West acquired the assets of San Francisco-based United Commercial Bank (UCB), via a transaction facilitated by the Federal Deposit Insurance Corporation. This expanded East West’s reach by 63 branches, including 17 in Southern California, and branches in Houston, Boston, and Atlanta, as well as branches in Hong Kong and China.

In 2010, the company acquired the assets, including four branches, of Washington First International Bank of Seattle, Washington, via a transaction facilitated by the Federal Deposit Insurance Corporation. In 2014, East West acquired MetroCorp Bancshares, which operated as MetroBank, for $268 million in cash and stock.

In 2023, the company was named the top public bank in the United States with more than $10 billion in assets by S&P Global Market Intelligence. That same year, East West celebrated its 50th anniversary and became the largest state-chartered bank in California, surpassing $68 billion in assets.

Read the full text

In 2021, 2023, 2024, and 2025, East West earned recognition as the top performing bank in the $50 billion and above asset size category by Bank Director. As of June 2025, East West has more than $78 billion in assets and over 100 locations in the U.S. and Asia. In September 2024, the company marked its 25th anniversary on the Nasdaq stock exchange, with CEO Dominic Ng ringing the opening bell.

East West is also known for helping finance major films and television shows, including Everything Everywhere All at Once, Yellowstone, and Orange is the New Black.

2025 wildfire relief

After the January 2025 Southern California wildfires, East West donated $250,000 to the Pasadena Community Foundation’s Eaton Fire Relief and Recovery Fund. The bank contributed an additional $100,000 to the YMCA of Metropolitan Los Angeles, while the bank’s employees created their own relief fund with the company matching contributions. East West’s donations to first responders and nonprofit organizations exceeded $1 million, as of August 2025. For customers, East West activated a “Skip-a-Pay” program, allowing affected homeowners to delay mortgage payments.

The bank also partnered with major museums, foundations, and philanthropists to help launch the “LA Arts Community Fire Relief Fund,” which raised an initial $12 million to support artists and arts workers impacted by the fires.

East West has participated in United Way’s WalkUnited LA. In July 2025, more than 500 East West-affiliated participants joined the walk, raising over $40,000. The bank pledged an additional $100,000 matching grant. East West’s other nonprofit partners include Gold House Foundation, Grameen America, Junior Achievement, Operation Hope, and San Gabriel Habitat for Humanity.

From Wikipedia’s article on East West Bank, shared under CC BY-SA 4.0.7

Leadership

Who has led East West Bank, and when. Pick a name to see everywhere that person has worked.

Board members and other officers (39)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • DirectorManual P. Alvarez named Jul 7, 202366

Subsidiaries and ownership

Parent company

Owners

Subsidiaries (Exhibit 21)

  • East West Bank California8

From Wikidata.1 The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Jul 21, 20268-K Results of operations; Regulation FD disclosure67
  2. May 19, 20268-K Shareholder vote68
  3. Apr 21, 20268-K Results of operations; Regulation FD disclosure69
  4. Jan 22, 20268-K Results of operations; Regulation FD disclosure70
  5. Dec 2, 20258-K Executive or director change71
  6. Oct 22, 20258-K Results of operations; Regulation FD disclosure72
  7. Oct 21, 20258-K Completed an acquisition or sale; Regulation FD disclosure73
  8. Sep 5, 20258-K Regulation FD disclosure74
  9. Jul 22, 20258-K Results of operations; Regulation FD disclosure75
  10. Jun 9, 20258-K Regulation FD disclosure76
  11. May 21, 20258-K Shareholder vote77
  12. Apr 22, 20258-K Results of operations; Regulation FD disclosure78
  13. Feb 1, 2006New chief executive Dominic Ng becomes CEO19
  14. Feb 3, 1999Went public Listed on NASDAQ1
  15. Jan 2, 1973Founded Founded in Los Angeles1

Calendar

When it reported results

  1. Jul 21, 2026Reported quarterly or annual results67
  2. Apr 21, 2026Reported quarterly or annual results69
  3. Jan 22, 2026Reported quarterly or annual results70
  4. Oct 22, 2025Reported quarterly or annual results72
  5. Jul 22, 2025Reported quarterly or annual results75
  6. Apr 22, 2025Reported quarterly or annual results78
  7. Jan 23, 2025Reported quarterly or annual results79
  8. Oct 22, 2024Reported quarterly or annual results80

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

337 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 43 major events, 187 insider forms, 19 large holders, 1 private raises, 67 other. The latest 20:

  1. Oct 2, 20264 EDGAR
  2. Sep 15, 2026144 EDGAR
  3. Sep 10, 20264 EDGAR
  4. Sep 8, 2026144 EDGAR
  5. Aug 12, 20264 EDGAR
  6. Aug 7, 202610-Q EDGAR
  7. Aug 6, 2026144 EDGAR
  8. Aug 6, 20264 EDGAR
  9. Aug 3, 2026144 EDGAR
  10. Jul 21, 20268-K EDGAR
  11. Jun 25, 202611-K EDGAR
  12. Jun 16, 20264 EDGAR
  13. Jun 12, 20264 EDGAR
  14. Jun 11, 2026144 EDGAR
  15. Jun 11, 20264 EDGAR
  16. May 27, 2026144 EDGAR
  17. May 27, 20264 EDGAR
  18. May 21, 20264 EDGAR
  19. May 21, 20264 EDGAR
  20. May 21, 20264 EDGAR

The 337 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

70 open-market trades by officers, directors and large owners since October 2021: 13 buys and 57 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 8, 2026Alvarez Manuel PhamDirectorSale810$130.40$105.6KForm 4
Aug 12, 2026LIU JACK CDirectorSale1,000$135.02$135.0KForm 4
Aug 6, 2026KRAUSE DOUGLAS PAULVice ChairmanSale10,000$132.37$1.3MForm 4
Jun 15, 2026Oh Irene HChief Risk OfficerSale800$133.19$106.6KForm 4
Jun 12, 2026Oh Irene HChief Risk OfficerSale500$132.50$66.2KForm 4
Jun 11, 2026Oh Irene HChief Risk OfficerSale11,211$129.00$1.4MForm 4
May 27, 2026KRAUSE DOUGLAS PAULVice ChairmanSale10,000$123.50$1.2MForm 4
May 6, 2026NG DOMINICChief Executive OfficerSale30,000$125.31$3.8MForm 4
May 5, 2026NG DOMINICChief Executive OfficerSale30,000$123.49$3.7MForm 4
Apr 30, 2026Deskus ArchanaDirectorSale1,800$125.55$226.0KForm 4
Feb 6, 2026TEO GARYExecutive Vice PresidentSale7,000$122.59$858.1KForm 4
Feb 6, 2026CAMPBELL MOLLYDirectorSale1,800$122.81$221.1KForm 4
Feb 5, 2026LIU JACK CDirectorSale1,421$119.00$169.1KForm 4
Feb 4, 2026NG DOMINICChief Executive OfficerSale50,000$117.81$5.9MForm 4
Dec 19, 2025Oh Irene HChief Risk OfficerSale7,453$113.90$848.9KForm 4
Dec 17, 2025Oh Irene HChief Risk OfficerSale12,547$115.00$1.4MForm 4
Dec 12, 2025NG DOMINICChief Executive OfficerSale30,000$113.63$3.4MForm 4
Dec 11, 2025Shi ParkerChief Operating OfficerSale8,844$115.03$1.0MForm 4
Nov 24, 2025CAMPBELL MOLLYDirectorSale1,520$104.73$159.2KForm 4
Nov 11, 2025CAMPBELL MOLLYDirectorSale1,000$105.40$105.4KForm 4

All 70 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Stakes it holds

East West Bank has told the SEC it owns more than 5% of 1 company, latest first (Schedules 13D and 13G).

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Dominic NgChairman and Chief Executive Officer67$1.3M$9.7M89
2025Parker L. ShiExecutive Vice President and Chief Operating Officer$839.4K$3.0M89
2025Irene H. OhExecutive Vice President and Chief Risk Officer$747.9K$2.9M89
2025Christopher J.Del Moral-Niles Executive Vice President and Chief Financial Officer$690.6K$2.8M89
2025Douglas P. KrauseVice Chairman and Chief Corporate Officer$672.8K$2.7M89
2024Dominic NgChairman and Chief Executive Officer67$1.3M$9.2M89
2024Parker L. ShiExecutive Vice President and Chief Operating Officer$829.8K$2.9M89
2024Irene H. OhExecutive Vice President and Chief Risk Officer$724.9K$2.9M89
2024Douglas P. KrauseVice Chairman and Chief Corporate Officer$653.0K$2.5M89
2024Christopher J.Del Moral-Niles Executive Vice President and Chief Financial Officer$630.5K$2.1M89
2023Dominic NgChairman and Chief Executive Officer67$1.3M$8.4M89
2023Parker L. ShiExecutive Vice President and Chief Operating Officer$813.5K$2.6M89
2023Irene H. OhExecutive Vice President and Chief Risk Officer$697.5K$2.5M89
2023Douglas P. KrauseVice Chairman and Chief Corporate Officer$629.6K$2.4M89
2023Christopher J.Del Moral-Niles Executive Vice President and Chief Financial Officer$150.0K$1.0M89

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Money received by year$18.1M 2023–2023
Money received by yearMoney received by year, 2023–2023: $18.1M in all. Private raises (Form D) $18.1M.$0$5M$10M$15M$20M2023 · Private raises (Form D): $18.1M2023
Figures by year
YearPrivate raises (Form D)Total
2023$18.1M$18.1M

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

  1. Jul 3, 2023Raised $18.1 million in a private offering of equity66 Form D: 50 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.13,517,378$1.7B0.0%+285,574
Invesco Ltd.8,830,694$1.1B0.1%−558,938
Fmr LLC8,485,968$1.1B0.0%+801,062
Vanguard Portfolio Management LLC6,595,199$851.4M0.0%−128,308
Vanguard Capital Management LLC6,182,969$798.2M0.0%+19,216
State Street Corp5,022,525$648.4M0.0%+57,992
Charles Schwab Investment Management Inc4,453,454$574.9M0.1%+403,619
Schroder Investment Management Group3,985,737$514.5M0.4%+120,860
Boston Partners3,574,111$461.4M0.4%+130,302
Aqr Capital Management LLC3,227,066$416.6M0.1%+1,484,505
First Trust Advisors LP3,124,825$403.4M0.2%−793,690
Geode Capital Management, LLC2,832,718$368.6M0.0%−99,983
Capital International Investors2,850,167$367.9M0.1%+15,524
Himalaya Capital Management LLC2,776,351$358.4M9.7%No change
Dimensional Fund Advisors LP1,912,376$246.9M0.0%−3,069
Capital Research Global Investors1,873,243$241.8M0.0%+21,178
Massachusetts Financial Services Co /ma/1,721,570$222.2M0.1%−28,059
Bank Of America Corp /de/1,717,034$221.7M0.0%+24,291
Norges Bank1,650,048$213.0M0.0%New
Earnest Partners LLC1,626,223$209.9M0.8%−29,934
Northern Trust Corp1,439,451$185.8M0.0%−36,381
Principal Financial Group Inc1,330,518$171.8M0.1%−98,256
Citadel Advisors LLC1,316,230$169.9M0.1%+909,674
Morgan Stanley1,231,251$158.9M0.0%+39,291
Jennison Associates LLC1,186,619$153.2M0.1%−38,496

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

2 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Apr 10, 2023Daniel S. GoldmanDemocratic, HouseSale$15,001 - $50,000−49.4%Report
Jan 31, 2023Daniel S. GoldmanDemocratic, HouseBuy$15,001 - $50,000−28.3%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How East West Bank is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAREAST WEST BANCORP INC2
  • CIK0001069157
  • Employer ID (EIN)95-470331618
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company18
  • Incorporated inDelaware18
  • Fiscal year endsDecember 312
  • Industry code (SIC)6022 State Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address135 N. Los Robles Ave. 7Th Floor, Pasadena, CA 911012
  • Mailing addressEast West Bancorp Inc, 135 N. Los Robles Ave. 7Th Floor, Pasadena, CA 911012
  • Phone62676860002
  • Shares outstanding137,011,856 as of Jul 31, 202614
  • Public float$13.8B as of Jun 30, 202518
  • AuditorKPMG LLP, Los Angeles, CA PCAOB ID 185; it also attests to the company’s internal control over financial reporting18
  • On EDGAR sinceSep 17, 19982
  • Filings1,562 in all: 4 (876), 8-K (190), 10-Q (84), SC 13G/A (83), 144 (46), SC 13G (41), 3 (35), DEF 14A (30)2
    All 42 form types

    11-K (25), 10-K (24), UPLOAD (17), S-8 (12), CORRESP (11), 5 (8), ARS (6), S-3 (6), 4/A (5), 8-K/A (5), PRE 14A (5), SCHEDULE 13G/A (5), 10-K405 (4), 424B2 (4), 425 (4), S-3ASR (4), 10-K/A (3), 3/A (3), FWP (3), S-4/A (3), SCHEDULE 13G (3), 424B3 (2), PRER14A (2), S-3/A (2), S-4 (2), 10-Q/A (1), 11-K/A (1), 424B7 (1), 8-A12G (1), D (1), DEFA14A (1), DEFR14A (1), EFFECT (1), REGDEX (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 8, 2026
    Latest 8-K (8-K) Jul 21, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, par value $0.001 per shareEWBCNasdaq Global Select Market

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).18

Risk factors and legal proceedings

The risks East West Bank names in Item 1A of its 10-K filed Feb 27, 2026: 35 risks under these headings, as written.18

  • Risks Related to Geographic and Political Uncertainties
  • Unfavorable general economic, market, political or industry conditions, either domestically or internationally, may adversely affect our business, results of operations, and financial condition.
  • We face risks associated with international operations.
  • Natural disasters, the effects of climate change and geopolitical events beyond our control could adversely affect our business, results of operations, and financial condition.
  • Risks Related to Financial Matters
  • A significant portion of our loan portfolio is secured by real estate and at a higher degree of risk from a downturn in real estate markets.
  • Inflation can have an adverse impact on our business and on our customers.
  • The monetary policies of the federal government and its agencies could have a material adverse effect on our earnings.
  • Further downgrades of the U.S. credit rating, potential automatic spending cuts or government shutdowns could negatively impact our business, results of operations and financial condition.
  • We are subject to fluctuations in foreign currency exchange rates.
  • Risks Related to Our Capital Resources and Liquidity
  • As a regulated entity, we are subject to capital requirements, and failure to meet these standards could adversely affect our financial condition.
The other 26 risks
  • As a holding company, we depend on dividends and distributions from the Bank for our liquidity.
  • We are subject to liquidity risk, which could negatively affect the level or cost of our funding.
  • Any downgrades in our credit ratings could have a material adverse effect on our liquidity, cost of funding, cash flows, business, results of operations and financial condition.
  • The proportion of our deposit account balances that exceed FDIC insurance limits may expose us to enhanced liquidity risk.
  • Risks Related to Credit Matters
  • Our allowance for credit losses may not be adequate to cover actual losses.
  • We may be subject to increased credit risk and higher credit losses to the extent our loans are concentrated by loan type, industry segment, borrower type, or location of the borrower or collateral.
  • Risks Related to Our Operations
  • A cyber-attack, information or security breach, or failure of our operational or security systems or infrastructure, or those of third-party vendors, could disrupt our business, and adversely impact our results of operations, financial condition, cash flows, and liquidity, as well as damage our reputation.
  • Failure to keep pace with technological change could adversely affect our business. We may face risks associated with the utilization of information technology systems to support our operations effectively.
  • We may be impacted by the actions, soundness or creditworthiness of other financial institutions, which can cause disruption within the industry and increase expenses.
  • Our enterprise risk management program, and our controls and procedures, may not be effective at mitigating the risks to which we are subject, based upon our size, scope, and complexity.
  • We are dependent on key personnel and the loss of one or more of those key personnel may materially and adversely affect our prospects.
  • We face strong competition in the financial services industry, and we could lose business or suffer margin declines as a result.
  • We have engaged in and may continue to engage in further expansion through acquisitions, which could cause disruption to our business and may dilute existing stockholders’ interests.
  • New products and services may subject us to additional risks.
  • Our investments in certain tax-advantaged projects may not generate returns as anticipated, which could result in an adverse impact on our results of operations.
  • Risks Related to Regulatory, Compliance and Legal Matters
  • Changes in regulation may require us to change our business practices, increase our costs, limit our ability to make investments and generate revenue, or otherwise adversely affect our business operations and/or competitiveness.
  • Changes to fiscal policies and tax legislation may adversely affect our business.
  • Complying with the Bank Secrecy Act and other anti-money laundering and sanctions statutes and regulations can increase our compliance costs and risks.
  • We could face material legal and reputational harm if we fail to safeguard personal information.
  • We are subject to significant financial and reputational risk arising from lawsuits and other legal proceedings.
  • General Risk Factors
  • Changes in accounting standards or changes in how the accounting standards are interpreted or applied could materially impact our financial statements.
  • Our consolidated financial statements are based in part on assumptions and estimates which, if incorrect, could cause unexpected losses in the future.
  • Impairment of goodwill could result in a charge against earnings and thus a reduction in stockholders’ equity.
  • Anti-takeover provisions could negatively impact our stockholders.
  • Managing reputational risk is important to attracting and maintaining customers, investors, and employees.
  • The price of our common stock may be volatile or may decline.

Legal proceedings

See Note 12 — Commitments and Contingencies — Litigation to the Consolidated Financial Statements in this Form 10-K, which is incorporated herein by reference.

The opening of Item 3, Legal Proceedings.18

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37
  38. 38
  39. 39
  40. 40
  41. 41
  42. 42
  43. 43
  44. 44
  45. 45
  46. 46
  47. 47
  48. 48
  49. 49
  50. 50
  51. 51
  52. 52
  53. 53
  54. 54
  55. 55
  56. 56
  57. 57
  58. 58
  59. 59
  60. 60
  61. 61
  62. 62
  63. 63
  64. 64
  65. 65
  66. 66
  67. 67
  68. 68
  69. 69
  70. 70
  71. 71
  72. 72
  73. 73
  74. 74
  75. 75
  76. 76
  77. 77
  78. 78
  79. 79
  80. 80
  81. 81
  82. 82
  83. 83
  84. 84
  85. 85
  86. 86
  87. 87
  88. 88
  89. 89