Latest Annual Report
Filed: 2026-03-27
Key Insights
- The company's real estate portfolio, including one-to-four family owner-occupied and non-owner-occupied loans, appears to make up a significant portion of its loan book, with some loans 60-89 days past due.
- The consumer and commercial loan portfolio also includes some loans past due 60-90 days, particularly commercial loans, which could indicate potential credit quality issues.
- The company has outstanding subordinated debt and notes, which could impact its capital structure and financial flexibility.