SLBK on OTC
Skyline Bankshares, Inc.
American state commercial bank, incorporated in Virginia, listed on OTC (SLBK)1
In its 2026 annual report the company says: “Skyline Bankshares, Inc., is a bank holding company headquartered in Floyd, Virginia. The Company offers a wide range of retail and commercial banking services through its wholly-owned bank subsidiary, Skyline National Bank.”3
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Last updated Oct 21, 2026.
Overview
- TickerSLBK on OTC1
- IndustryState Commercial Banks1
- HeadquartersFloyd, Virginia1
- Incorporated inVA2
- Business address101 Jacksonville Circle, Floyd, Va 240912
- Filer categoryNon-accelerated filer, Smaller reporting company2
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Skyline Bankshares, Inc. (the “Company”), is a bank holding company headquartered in Floyd, Virginia. The Company offers a wide range of retail and commercial banking services through its wholly-owned bank subsidiary, Skyline National Bank (the “Bank”). On January 1, 2023, the Company changed its name from Parkway Acquisition Corp. to Skyline Bankshares, Inc. to align its brand across the entire organization.3 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Financial Service, Other brought in 44% of the revenue Skyline Bankshares, Inc. broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Financial Service, Other | $3.8M | $4.2M |
| Deposit Account | $2.3M | $2.5M |
| Service Charge on Deposit Accounts | $2.3M | $2.5M |
| Mortgage Banking | $277.0K | $238.0K |
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.4
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans and fees on loans | $62.2M | $50.0M |
| Interest-bearing deposits with banks | $667.0K | $390.0K |
| Federal funds sold | $18.0K | $37.0K |
| Interest on taxable securities | $2.4M | $2.7M |
| Interest on nontaxable securities | $195.0K | $205.0K |
| Dividends | $297.0K | $264.0K |
| Interest and Dividend Income, Operating | $65.7M | $53.5M |
| Deposits | $14.1M | $12.7M |
| Interest on borrowings | $1.2M | $1.4M |
| Interest Expense, Operating | $15.4M | $14.1M |
| Net interest income | $50.4M | $39.5M |
| Provision for credit losses | $868.0K | $1.1M |
| Net interest income after provision for credit losses | $49.5M | $38.4M |
| Net realized losses on securities | $0 | -$141.0K |
| Increase in cash value of life insurance | $694.0K | $643.0K |
| Life insurance income | $60.0K | $221.0K |
| Other income | $106.0K | $124.0K |
| Noninterest Income | $7.8M | $7.3M |
| Salaries and employee benefits | $19.4M | $17.8M |
| Occupancy and equipment | $5.9M | $5.6M |
| Data processing expense | $3.5M | $3.0M |
| FDIC Assessments | $963.0K | $720.0K |
| Advertising | $1.1M | $965.0K |
| Bank franchise tax | $520.0K | $466.0K |
| Director fees | $400.0K | $326.0K |
| Professional fees | $1.1M | $856.0K |
| Telephone expense | $475.0K | $473.0K |
| Core deposit intangible amortization | $772.0K | $482.0K |
| Merger related expenses | $0 | $2.4M |
| Other expense | $3.2M | $3.1M |
| Noninterest Expense | $37.3M | $36.3M |
| Income before income taxes | $20.0M | $9.4M |
| Income tax expense | $4.2M | $1.9M |
| Net income | $15.8M | $7.4M |
| Basic earnings per share (in dollars per share) | $2.84 | $1.34 |
| Weighted average shares outstanding (in shares) | 5.6M shares | 5.6M shares |
| Dividends declared per share (in dollars per share) | $0.52 | $0.46 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.4
| Period ending | 2025-12-31 | 2025-03-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $19.7M | $17.9M | ||
| Interest-bearing deposits with banks | $3.1M | $1.6M | ||
| Federal funds sold | $343.0K | $0 | ||
| Total cash and cash equivalents | $23.2M | $19.5M | ||
| Investment securities available for sale | $114.1M | $118.3M | ||
| Restricted equity securities | $3.5M | $4.0M | ||
| Loans | $1.1B | $1.1B | $984.5M | |
| Allowance for credit losses | -$8.7M | -$8.0M | -$6.7M | |
| Net loans | $1.0B | $976.4M | ||
| Cash value of life insurance | $27.2M | $26.7M | ||
| Other real estate owned | $0 | $140.0K | ||
| Properties and equipment, net | $40.8M | $34.7M | ||
| Accrued interest receivable | $4.5M | $4.0M | ||
| Core deposit intangible | $3.0M | $3.8M | ||
| Goodwill | $7.9M | $7.9M | $3.3M | |
| Deferred tax assets, net | $3.7M | $5.6M | ||
| Other assets | $15.9M | $16.5M | ||
| Assets | $1.3B | $1.2B | ||
| Noninterest-bearing | $371.0M | $337.9M | ||
| Interest-bearing | $807.2M | $754.3M | ||
| Total deposits | $1.2B | $1.1B | ||
| Borrowings | $0 | $25.0M | ||
| Fed funds purchased | $0 | $4.3M | ||
| Accrued interest payable | $531.0K | $950.0K | ||
| Other liabilities | $6.9M | $6.5M | ||
| Liabilities | $1.2B | $1.1B | ||
| Preferred stock, no par value; 5,000,000 shares authorized, none issued | $0 | $0 | ||
| Common stock, no par value; 25,000,000 shares authorized, 5,666,204 and 5,651,704 issued and outstanding at December 31, 2025 and 2024, respectively | $0 | $0 | ||
| Surplus | $34.0M | $33.5M | ||
| Retained earnings | $86.6M | $73.7M | ||
| Accumulated other comprehensive loss | -$12.9M | -$18.6M | ||
| Equity, Attributable to Parent | $107.7M | $88.7M | $82.9M | |
| Liabilities and Equity | $1.3B | $1.2B | ||
| Preferred stock, no par value (in dollars per share) | $0 | $0 | ||
| Preferred Stock, authorized (in shares) | 5.0M shares | 5.0M shares | ||
| Preferred Stock, issued (in shares) | 0 shares | 0 shares | ||
| Common Stock, no par value (in dollars per share) | $0 | $0 | ||
| Common Stock, authorized (in shares) | 25.0M shares | 25.0M shares | ||
| Common Stock, issued (in shares) | 5.7M shares | 5.7M shares | ||
| Common Stock, outstanding (in shares) | 5.7M shares | 5.7M shares |
| Period ending | 2025-12-31 | 2025-03-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $19.7M | $17.9M | ||
| Interest-bearing deposits with banks | $3.1M | $1.6M | ||
| Federal funds sold | $343.0K | $0 | ||
| Total cash and cash equivalents | $23.2M | $19.5M | ||
| Investment securities available for sale | $114.1M | $118.3M | ||
| Restricted equity securities | $3.5M | $4.0M | ||
| Loans | $1.1B | $1.1B | $984.5M | |
| Allowance for credit losses | -$8.7M | -$8.0M | -$6.7M | |
| Net loans | $1.0B | $976.4M | ||
| Cash value of life insurance | $27.2M | $26.7M | ||
| Other real estate owned | $0 | $140.0K | ||
| Properties and equipment, net | $40.8M | $34.7M | ||
| Accrued interest receivable | $4.5M | $4.0M | ||
| Core deposit intangible | $3.0M | $3.8M | ||
| Goodwill | $7.9M | $7.9M | $3.3M | |
| Deferred tax assets, net | $3.7M | $5.6M | ||
| Other assets | $15.9M | $16.5M | ||
| Assets | $1.3B | $1.2B | ||
| Noninterest-bearing | $371.0M | $337.9M | ||
| Interest-bearing | $807.2M | $754.3M | ||
| Total deposits | $1.2B | $1.1B | ||
| Borrowings | $0 | $25.0M | ||
| Fed funds purchased | $0 | $4.3M | ||
| Accrued interest payable | $531.0K | $950.0K | ||
| Other liabilities | $6.9M | $6.5M | ||
| Liabilities | $1.2B | $1.1B | ||
| Preferred stock, no par value; 5,000,000 shares authorized, none issued | $0 | $0 | ||
| Common stock, no par value; 25,000,000 shares authorized, 5,666,204 and 5,651,704 issued and outstanding at December 31, 2025 and 2024, respectively | $0 | $0 | ||
| Surplus | $34.0M | $33.5M | ||
| Retained earnings | $86.6M | $73.7M | ||
| Accumulated other comprehensive loss | -$12.9M | -$18.6M | ||
| Equity, Attributable to Parent | $107.7M | $88.7M | $82.9M | |
| Liabilities and Equity | $1.3B | $1.2B | ||
| Preferred stock, no par value (in dollars per share) | $0 | $0 | ||
| Preferred Stock, authorized (in shares) | 5.0M shares | 5.0M shares | ||
| Preferred Stock, issued (in shares) | 0 shares | 0 shares | ||
| Common Stock, no par value (in dollars per share) | $0 | $0 | ||
| Common Stock, authorized (in shares) | 25.0M shares | 25.0M shares | ||
| Common Stock, issued (in shares) | 5.7M shares | 5.7M shares | ||
| Common Stock, outstanding (in shares) | 5.7M shares | 5.7M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.4
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $15.8M | $7.4M |
| Depreciation | $2.0M | $2.0M |
| Amortization of core deposit intangible | $772.0K | $482.0K |
| Accretion of loan discount and deposit premium, net | -$922.0K | -$448.0K |
| Provision for credit losses | $868.0K | $1.1M |
| Deferred income taxes | $405.0K | $1.4M |
| Net realized losses on securities | $0 | $141.0K |
| Accretion of discount on securities, net of amortization of premiums | $23.0K | $72.0K |
| Deferred compensation | $117.0K | $179.0K |
| Share-based compensation | $477.0K | $381.0K |
| Loss on sale of other real estate owned | $27.0K | $0 |
| Life insurance income | -$60.0K | -$221.0K |
| Cash value of life insurance | -$694.0K | -$643.0K |
| Accrued interest receivable | -$528.0K | -$137.0K |
| Other assets | $1.0M | $689.0K |
| Accrued interest payable | -$419.0K | $144.0K |
| Other liabilities | -$208.0K | $72.0K |
| Net cash provided by operating activities | $18.8M | $12.7M |
| Sales | $0 | $46.2M |
| Maturities/calls/paydowns | $11.3M | $9.5M |
| Redemption (purchases) of restricted equity securities | $560.0K | -$214.0K |
| Net increase in loans | -$72.9M | -$79.1M |
| Proceeds from life insurance contracts | $328.0K | $730.0K |
| Proceeds from sale of other real estate owned | $113.0K | $0 |
| Purchases of property and equipment | -$8.1M | -$3.7M |
| Cash received in business combination, net of cash paid | $0 | -$17.7M |
| Net cash used in investing activities | -$68.7M | -$44.4M |
| Net increase in deposits | $85.9M | $38.1M |
| Proceeds from FHLB advances | $304.5M | $175.0M |
| Repayments on FHLB advances | -$324.5M | -$188.1M |
| Net change in fed funds purchased | -$4.3M | $4.3M |
| Advances on short-term line of credit | $4.0M | $10.0M |
| Payment on short-term line of credit | -$9.0M | -$5.0M |
| Repayment of bank term funding program advances | $0 | -$2.5M |
| Common stock repurchased | $0 | -$230.0K |
| Dividends paid | -$2.9M | -$2.6M |
| Net cash provided by financing activities | $53.7M | $29.0M |
| Net increase (decrease) in cash and cash equivalents | $3.7M | -$2.6M |
| Interest paid | $15.8M | $13.6M |
| Taxes paid | $2.7M | $1.2M |
| Effect on equity of change in net unrealized loss on available for sale securities | $5.6M | $240.0K |
| Effect on equity of change in funded pension liability | $11.0K | $547.0K |
| Right-of-use assets obtained in exchange for new operating lease liabilities | $0 | $35.0K |
No quarter-by-quarter statement was filed.
Corporate structure
Skyline Bankshares, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Skyline Bankshares, Inc.
- Fourthstone LLC Filed SC 13G on Skyline Bankshares, Inc., latest Feb 14, 2024 (2 filings since Feb 14, 2023)
- Joseph Stilwell Filed SC 13D/A on Skyline Bankshares, Inc., latest Nov 29, 2021
- Skyline Bankshares, Inc. Floyd, Virginia
Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Skyline Bankshares, Inc. 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
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $53.8M4 Dec 31, 2025 | $53.4M4 Dec 31, 2024 | +0.9% |
| Accumulated depreciation | $13.1M4 Dec 31, 2025 | $18.7M4 Dec 31, 2024 | −30.1% |
| Property and equipment, net | $40.8M4 Dec 31, 2025 | $34.7M4 Dec 31, 2024 | +17.6% |
| Operating-lease assets (leased space) | $1.4M4 Dec 31, 2025 | $1.6M4 Dec 31, 2024 | −15.6% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Debt securities available for sale | $118.3M9 Dec 31, 2024 | $127.4M9 Dec 31, 2023 | −7.1% |
| Loans, net of allowance | $1.0B4 Dec 31, 2025 | $976.4M4 Dec 31, 2024 | +7.5% |
| Deposits held (banks) | $1.2B4 Dec 31, 2025 | $1.1B4 Dec 31, 2024 | +7.9% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $7.9M4 Dec 31, 2025 | $7.9M4 Dec 31, 2024 | 0% |
| Finite-lived intangibles, net | $3.0M4 Dec 31, 2025 | $3.8M4 Dec 31, 2024 | −20.2% |
Properties, in its own words
The Company is headquartered at 212 East Main Street, Floyd, Virginia. The Bank is headquartered in the Main Office at 113 West Main Street, Independence, Virginia. The Bank operates branches at the following locations, all of which are owned by the Bank, except for the offices in Boone, Mocksville, and Willis, which are leased facilities:
East Independence Office – 802 East Main St., Independence, VA · 276-773-2821 · Full service
The rest of Item 2
Elk Creek Office – 60 Comers Rock Rd., Elk Creek, VA · 276-655-4011 · Full service
Galax Office – 209 West Grayson St., Galax, VA · 276-238-2411 · Full service
Troutdale Office – 101 Ripshin Rd., Troutdale, VA · 276-677-3722 · Full service
Carroll Office – 8351 Carrollton Pike, Galax, VA · 276-238-8112 · Full service
Sparta Office – 98 South Grayson Street, Sparta NC · 336-372-2811 · Full service
Hillsville Office – 419 South Main Street, Hillsville, VA · 276-728-2810 · Full service
Whitetop Office – 16303 Highlands Parkway, Whitetop, VA · 276-388-3811 · Full service
Wytheville Office – 420 North 4th Street, Wytheville, VA · 276-228-6050 · Full service
Floyd Office – 212 East Main Street, Floyd, VA · 540-745-4191 · Full service
Cave Spring Office - 4094 Postal Drive, Roanoke, VA · 540-774-1111 · Full service
Christiansburg Office – 2681 Market Street NE, Christiansburg, VA · 540-381-8121 · Full service
Fairlawn Office - 7349 Peppers Ferry Blvd., Radford, VA · 540-633-1680 · Full service
Roanoke Office – 3850 Keagy Rd., Roanoke, VA · 540-387-4533 · Full service
West Jefferson Office – 1055 Mount Jefferson Road, West Jefferson, NC · 336-489-7811 · Full service
Boone Office – 1641 Blowing Rock Rd, Boone, NC · 828-264-4260 · Full service
Wilkesboro Office – 1422 US Highway 421, Wilkesboro, NC · 336-903-4948 · Full service
Yadkinville Office – 532 East Main Street, Yadkinville, NC · 336-849-4194 · Full service
Mocksville Office – 119 Gaither Street, Mocksville, NC · 336-477-7010 · Full service
Lenoir Office – 509 Wilkesboro Blvd. NE, Lenoir, NC · 828-750-6100 · Full service
Hickory – Mountain View Office – 2900 Hwy 127 South, Hickory, NC · 828-578-7400 · Full service
Hudson Office – 537 Main Street, Hudson, NC · 828-750-6076 · Full service
Hickory – Viewmont Office – 1625 North Center Street, Hickory, NC · 828-578-7499 · Full service
Blacksburg – 1206 South Main Street, Blacksburg, VA · 540-750-8800 · Full service
Meadows of Dan – 3607 Jeb Stuart Highway, Meadows of Dan, VA · 276-222-3091 · Full service
Mountain City – 241 West Main Street, Mountain City, TN · 423-727-7701 · Full service
Willis Office - 5598 B Floyd Highway South, Willis, VA · 540-745-4191 · Limited service/conducts normal teller transactions
The Bank has a conference center located at 203 E. Oxford Street, Floyd, Virginia, which is used for various board and committee meetings. The Bank owns an operations center adjacent to the main office in Independence, Virginia. The Bank also leases office space in Mooresville, North Carolina and Abingdon, Virginia for loan production offices. During 2025, the Bank purchased property in Abingdon, Virginia that is at this time being developed for a future full service branch banking facility, that is expected to be opened in the fourth quarter of 2026.
Item 2 of the 10-K filed Mar 20, 2026.3
Former names
- Parkway Acquisition Corp.Nov 9, 2015 to Jan 6, 20232
Timeline
- Sep 9, 20268-K Regulation FD disclosure13
- Aug 21, 20268-K Other events14
- Jul 28, 20268-K Results of operations15
- May 21, 20268-K Shareholder vote16
- Apr 27, 20268-K Results of operations17
- Feb 20, 20268-K Other events18
- Feb 2, 20268-K Results of operations19
- Oct 28, 20258-K Results of operations20
- Sep 3, 20258-K Regulation FD disclosure21
- Aug 25, 20258-K Other events22
- Jul 28, 20258-K Results of operations23
- May 22, 20258-K Executive or director change; Shareholder vote24
Calendar
Coming up
- Around Oct 28, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.
When it reported results
- Jul 28, 2026Reported quarterly or annual results15
- Apr 27, 2026Reported quarterly or annual results17
- Feb 2, 2026Reported quarterly or annual results19
- Oct 28, 2025Reported quarterly or annual results20
- Jul 28, 2025Reported quarterly or annual results23
- Apr 29, 2025Reported quarterly or annual results25
- Feb 6, 2025Reported quarterly or annual results26
- Nov 14, 2024Reported quarterly or annual results27
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
81 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 46 major events, 3 large holders, 12 other. The latest 20:
- Sep 9, 20268-K EDGAR
- Aug 21, 20268-K EDGAR
- Aug 14, 202610-Q EDGAR
- Jul 28, 20268-K EDGAR
- May 21, 20268-K EDGAR
- May 15, 202610-Q EDGAR
- Apr 27, 20268-K EDGAR
- Apr 8, 2026ARS EDGAR
- Apr 8, 2026DEF 14A EDGAR
- Mar 20, 202610-K EDGAR
- Feb 20, 20268-K EDGAR
- Feb 2, 20268-K EDGAR
- Nov 13, 202510-Q EDGAR
- Oct 28, 20258-K EDGAR
- Sep 3, 20258-K EDGAR
- Aug 25, 20258-K EDGAR
- Aug 14, 202510-Q EDGAR
- Jul 28, 20258-K EDGAR
- May 22, 20258-K EDGAR
- May 15, 202510-Q EDGAR
The 81 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.
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.
- Fourthstone LLCSC 13G, 2 filings Feb 14, 2023 to Feb 14, 202428
- Joseph StilwellSC 13D/A, 1 filing Nov 29, 202129
SEC filer profile
How Skyline Bankshares, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARSkyline Bankshares, Inc.1
- CIK0001657642
- Employer ID (EIN)47-54860273
- Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
- Incorporated inVirginia3
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address101 Jacksonville Circle, Floyd, VA 240911
- Phone540-745-41911
- Shares outstanding5,672,204 as of Aug 13, 202611
- Public float$82.0M as of Jun 30, 20253
- AuditorElliott Davis, PLLC, Charlotte, North Carolina PCAOB ID 149; no auditor attestation of internal control over financial reporting3
- On EDGAR sinceNov 9, 20151
- Filings189 in all: 8-K (96), 10-Q (31), 425 (12), 10-K (10), DEF 14A (9), CORRESP (5), UPLOAD (5), ARS (4)1
All 17 form types
S-4/A (4), 424B3 (2), EFFECT (2), S-4 (2), SC 13D/A (2), SC 13G (2), 8-K/A (1), S-8 (1), SC 13D (1)
- Latest filingsAnnual report (10-K) Mar 20, 2026
Quarterly report (10-Q) Aug 14, 2026
Proxy statement (DEF 14A) Apr 8, 2026
Latest 8-K (8-K) Sep 9, 2026
Risk factors and legal proceedings
The risks Skyline Bankshares, Inc. names in Item 1A of its 10-K filed Mar 20, 2026: 22 risks under these headings, as written.3
- Risks Related to Macroeconomic and Political Conditions
- We may be adversely affected by changes in economic conditions, especially in our market area.
- We may be adversely impacted by changes in market conditions.
- Risks Related to Credit Risks
- Our concentration in loans secured by real estate may increase our credit losses, which would negatively affect our financial results.
- Should our loan quality deteriorate, and our allowance for credit losses becomes inadequate, our results of operations may be adversely affected.
- Our small-to-medium sized business target market may have fewer financial resources to weather a downturn in the economy.
- Risks Related to Liquidity and Interest Rate Risk
- Our ability to maintain adequate sources of liquidity may be negatively impacted by the economic environment which could adversely affect our financial condition and results of operations.
- We may incur losses if we are unable to successfully manage interest rate risk.
- Risks Related to Our Business and Industry
- Our future success is dependent on our ability to compete effectively in the highly competitive banking industry.
The other 14 risks
- Our ability to operate profitably may be dependent on our ability to implement various technologies into our operations.
- Consumers may decide not to use banks to complete their financial transactions.
- Our exposure to operational risk may adversely affect our business.
- Natural disasters, severe weather events, acts of war or terrorism, pandemics or endemics, climate change and other external events could significantly impact our business.
- Our operations depend upon third party vendors that perform services for us.
- Our operations may be adversely affected by cybersecurity risks.
- Our inability to successfully manage growth or implement our growth strategy may adversely affect our results of operations and financial condition.
- Risks Related to the Regulatory Environment
- An inability to maintain our regulatory capital position could adversely affect our operations.
- Our profitability may suffer because of rapid and unpredictable changes in the highly regulated environment in which we operate.
- We are subject to stringent capital requirements, which could adversely affect our results of operations and future growth.
- Government measures to regulate the financial industry could materially affect our businesses, financial condition or results of operations.
- Changes in accounting standards could impact reported earnings and capital.
- Evolving expectations from customers, regulators, investors, and other stakeholders with respect to environmental, social and governance (“ESG”) practices may impose additional costs on the Company or expose it to new or additional risks.
- Climate change and related legislative and regulatory initiatives may result in operational changes and expenditures that could significantly impact the Company’s business.
Legal proceedings
There are no material pending legal proceedings, other than ordinary routine litigation incidental to the business, to which the Company is a party or of which any of its property is subject.
The opening of Item 3, Legal Proceedings.3
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 13SEC EDGARRegulation FD disclosure
- 14SEC EDGAROther events
- 15SEC EDGARResults of operations
- 16SEC EDGARShareholder vote
- 17SEC EDGARResults of operations
- 18SEC EDGAROther events
- 19SEC EDGARResults of operations
- 20SEC EDGARResults of operations
- 21SEC EDGARRegulation FD disclosure
- 22SEC EDGAROther events
- 23SEC EDGARResults of operations
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