UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (212) 548-5555 (Registrant's telephone number, including area code) For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-34177 Warner Bros. Discovery, Inc. (Exact name of Registrant as specified i ...

Financial Position - As of December 31, 2025, the company had goodwill of $181.9 million, representing 14.3% of total stockholders' equity[182]. - Total consolidated assets were reported at $9.7 billion as of December 31, 2025, with expectations to exceed $10 billion in the future[200]. - As of December 31, 2025, the company had $7.6 billion in deposits, which are subject to fluctuations due to competitive pressures and interest rate changes[208]. - Total assets increased to $9.652 billion in 2025 from $9.497 billion in 2024, representing a growth of approximately 1.6%[412]. - The total stockholders' equity increased to $1.268 billion in 2025 from $1.091 billion in 2024, representing a growth of about 16.2%[412]. - The company reported a total revenue of $7,509,369 thousand for the period[1]. - The total allowance for credit losses was maintained at a level that supports the current loan portfolio, with no loans rated as Doubtful or Loss for the years ended December 31, 2025, and 2024[540]. Regulatory Compliance - The company is subject to increased regulatory scrutiny and compliance costs upon exceeding $10 billion in total consolidated assets[200]. - Compliance with the USA PATRIOT Act and the Bank Secrecy Act is critical, with potential fines for non-compliance[194]. - The company is restricted from certain transactions with foreign national stockholders without approval from the FRB[188]. - The company may incur increased costs and operational restrictions due to compliance with privacy and data protection laws[196]. Financial Performance - Net income for 2025 was $130,051 thousand, an increase of 7.7% from $120,759 thousand in 2024[414]. - Basic earnings per share increased to $2.90 in 2025, up from $2.78 in 2024, representing a growth of 4.3%[414]. - Total interest and dividend income increased to $572,220 thousand in 2025, up from $565,929 thousand in 2024, representing a growth of 0.5%[414]. - Net interest income after provision for credit losses rose to $349,246 thousand in 2025, compared to $321,005 thousand in 2024, reflecting an increase of 8.8%[414]. - Comprehensive income for 2025 reached $170,663 thousand, significantly higher than $107,189 thousand in 2024, indicating a substantial increase[416]. Loan and Credit Quality - The allowance for credit losses for loans and leases was $109 million as of December 31, 2025, reflecting an increase from $97.988 million in 2024[406]. - The allowance for credit losses increased to $36,102,000 in 2025 from $27,041,000 in 2024, reflecting a rise of 33.5%[419]. - The company reported a total of $408,078 million in construction, land development, and other land loans, indicating a focus on real estate development[536]. - The company has a diversified loan portfolio, including installment and other loans, which totaled $17,806 thousand[540]. - The overall credit quality remains stable, with no significant deterioration in loan performance metrics reported[540]. Acquisitions and Goodwill - The company acquired First Security Bancorp, Inc. for approximately $41.5 million, with each share of First Security's common stock converted into 2.3539 shares of Byline common stock[496][497]. - The acquisition resulted in goodwill of $147,000, which is nondeductible for tax purposes, reflecting the premium paid over the fair value of net tangible and intangible assets acquired[498]. - Total assets acquired from First Security amounted to $321.99 million, including cash and cash equivalents of $62.04 million and loans of $149.70 million[501]. - The Company did not record a deferred tax valuation allowance as of December 31, 2025, indicating confidence in the realization of deferred tax assets[476]. Interest Rate Risk - The company is exposed to interest rate risk, which could affect net interest income and net interest margin due to changes in interest rates[382]. - The company’s interest rate risk management is overseen by the Board of Directors and involves simulations to estimate the impact of interest rate changes on net interest income and equity[385]. - In a +300 basis point interest rate scenario, net interest income is estimated to increase by 10.0% in 2026 and 18.2% in 2027, while the economic value of equity (EVE) is projected to decrease by 6.7%[393]. Operational Efficiency and Future Outlook - The company aims to improve operational efficiency through strategic initiatives in the upcoming fiscal year[1]. - Future outlook includes a focus on market expansion and new product development strategies[1]. - The company plans to enhance its technology research and development efforts to drive growth[1]. - The company is exploring potential mergers and acquisitions to strengthen its market position[1].

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________________________________ FORM 10-K ___________________________________________________________________ (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 31, 2026 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commiss ...

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended: December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from _______________ to _______________. Commission File Number 1-13759 REDWOOD TRUST, INC. (Exact Name of Registrant as Specified in Its Charter) Maryland 68-0329422 ...

EX-99.0 2 daio_ex990.htm PRESS RELEASE Exhibit 99.0 Data I/O Reports Fourth Quarter 2025 Results A Year of Strategic Progress for New Programming Innovations and Expanding Addressable Market AI-enabled Transformation Leading to Programming Acceleration and Operational Ef iciencies/Expense Reductions; 2026 Business Framework Initiated – Data I/O Returns to Growth Redmond, WA – February 26, 2026 -- Data I/O Corporation (NASDAQ: DAIO), the leading global provider of data programming and security provisioning s ...

OR UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission file number 001-37386 FTAI AVIATION LTD. (Exact name of registrant as specified in its charter) | Cayman Islands | | | 98-1420784 | | --- | --- | --- ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission file number 001-37386 FTAI AVIATION LTD. (Exact name of registrant as specified in its charter) | Cayman Islands | | | 98-1420784 | | --- | --- | --- ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission file number 001-37386 FTAI AVIATION LTD. (Exact name of registrant as specified in its charter) | Cayman Islands | | | 98-1420784 | | --- | --- | --- ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission File Number 1-4858 INTERNATIONAL FLAVORS & FRAGRANCES INC. (Exact name of registrant as specified in its charter) 521 West 57th Street, New York ...

Expansion and Growth - The company expanded its presence in Arizona and Kansas City through the acquisition of 12 former First Interstate Bank branches, adding $292.0 million in loans and $609.5 million in deposits as of December 31, 2025[30]. - The company has a disciplined approach to growth through acquisitions, which has significantly contributed to its expansion[30]. - The company aims to generate attractive stockholder returns by providing comprehensive financial services primarily to privately-held businesses and their owner families[21]. - The company maintains a focus on client relationship-driven growth, seeking to add clients that fit its target market[23]. Financial Performance and Metrics - The efficiency ratio, which measures noninterest expense divided by total revenue, is a key metric for the company's expense management strategy[29]. - The company emphasizes maintaining asset quality through ongoing reviews of loans in each market and specialized lending niche[28]. - The company focuses on specialized lending niches, including SBA 7(a) loans, life insurance premium finance, and sponsor finance, to differentiate itself in the market[24]. - The company offers a broad range of treasury management products and services, generating fee income from various business clients[26]. Regulatory Compliance and Oversight - The Company has over $10 billion in assets and is subject to examination by the CFPB[34]. - The Company must maintain a minimum Common Equity Tier 1 (CET1) capital ratio of 7.0% under Basel III Capital Rules[58]. - The prompt corrective action categories require a total risk-based capital ratio of at least 10.0% to be considered well-capitalized[57]. - The Company is required to file periodic reports of its operations to remain a financial holding company[40]. - The Federal Reserve mandates that financial holding companies may only pay cash dividends from income available over the past year[48]. - The Company may engage in stock repurchases but must consult with the Federal Reserve under certain conditions[47]. - The Dodd-Frank Act has made extensive changes in the regulation of financial institutions, impacting the Company's operations[39]. - The Company is subject to extensive federal and state regulatory oversight, including capital adequacy and loss reserves[53]. - The Company must submit a capital restoration plan if it becomes undercapitalized, with specific guarantees required from the holding company[59]. - The regulatory framework is designed primarily for the protection of depositors and the banking system, rather than stockholders[37]. - As of December 31, 2025, all of the Bank's capital ratios qualified it to be "well-capitalized" for regulatory purposes[61]. - The FDIC finalized a rule in November 2023 imposing special assessments at an annual rate of approximately 13.4 basis points to recover losses to the Deposit Insurance Fund, starting January 1, 2024[63]. - The Bank is subject to various consumer protection laws, including the Dodd-Frank Act, which mandates compliance with federal consumer financial laws[64]. - The Bank's payment of dividends is restricted under Missouri law and federal regulations, particularly if it is deemed "undercapitalized"[70]. - The CFPB has broad rule-making authority that may significantly impact consumer mortgage lending and servicing, particularly with new regulations on mortgage origination standards[65]. - The Bank's compliance with the Community Reinvestment Act (CRA) is crucial, as a "satisfactory" rating is required to avoid restrictions on new activities and acquisitions[72]. - The USA PATRIOT Act requires the establishment of an anti-money laundering program and imposes due diligence requirements for certain banking accounts[76]. - The Bank's consumer-oriented activities are subject to state and local consumer protection laws, which impose additional obligations on marketing and servicing[67]. - The Bank's lending operations may face enhanced scrutiny due to its concentration of commercial real estate (CRE) loans, particularly if total CRE loans exceed 300% of the institution's total capital[77]. Employee and Workplace Culture - As of December 31, 2025, the company employed 1,370 regular full-time and 48 part-time associates, with additional seasonal and temporary associates as needed[82]. - Approximately 68% of associates are eligible for the Short Term Incentive Plan (STIP), which aligns compensation with performance[85]. - The minimum wage for associates is set at $17 per hour, with 99% of associates earning above this minimum[86]. - The company has been recognized as one of the "Best Banks to Work for" by American Banker magazine for eight consecutive years, ranking sixth among similar financial institutions in 2025[88]. - The company is committed to providing a competitive total compensation package, regularly comparing it with peer companies and market data[84]. - The company emphasizes a culture of accountability and collaboration, which is essential for meeting stockholder commitments and achieving performance standards[81]. - The company has established succession plans to ensure the continuation of essential roles and operations[83]. - The company conducts associate surveys to understand their needs and has made changes based on feedback, such as adopting a volunteer time-off policy[88]. - The company offers a wide array of benefits, including 401(k), paid time off, and wellness programs that provide financial rewards for healthy habits[87]. - The company focuses on creating an inclusive environment through various development programs and a Belonging & Inclusion Council[90]. - The Company is committed to providing a safe and healthy workplace, adhering to local, state, and federal safety regulations[91]. - The Business Continuity Plan is a key component in maintaining the health and safety of associates and clients[92].