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].

Financial Performance and Position - TMTG ended 2025 with approximately $2,473.2 million in cash and equivalents, and $947.1 million in debt, excluding lease liabilities[59]. - TMTG raised approximately $2.44 billion through a private placement offering, including $1.44 billion from common stock sales and $1 billion from convertible senior secured notes due 2028[77]. - Digital World maintains cash and cash equivalents primarily with large financial institutions, minimizing credit risk[669]. - The company is exposed to market risks, including interest rates and foreign currency exchange rates, which could negatively impact revenue growth and profitability[666]. - Digital World does not engage in speculative investments and has not used derivative financial instruments to manage interest rate risk exposure[668]. - The company aims to preserve principal while maximizing income from investments, which may be subject to market risk fluctuations[670]. Product Development and Features - Truth Social was generally made available in Q1 2022, with the iOS app launched in April 2022 and the Android app in October 2022[62]. - TMTG introduced direct messaging in 2022 and launched a "Groups" feature in May 2023, with international availability announced in June 2023[63]. - A major update in September 2025 introduced premium features for subscribers, including editing and scheduling capabilities, along with a new rewards system[64]. - TMTG completed the R&D phase of its live TV streaming platform, Truth+, on April 16, 2024, and began scaling its content delivery network[67]. - Truth+ streaming was rolled out in three phases, with full availability on Android, iOS, and Web by August 7, 2024[68]. - Standalone Truth+ apps were released for various devices by October 21, 2024, and connected TV apps became available by March 19, 2025[70]. - Truth+ mobile and streaming applications were launched in Canada and Mexico on April 9, 2025, with global streaming successfully launched by July 7, 2025[71]. - The company is actively enhancing its Truth+ platform with new on-demand content and live news streams to increase user engagement[72]. Strategic Initiatives and Acquisitions - TMTG plans to acquire approximately 19% of the total Cronos market cap, valued at $1 billion, as part of its digital asset treasury strategy[81]. - TMTG is developing Truth.Fi, a financial services brand targeting conservative investors, to complement its existing platforms[73]. - TMTG agreed to acquire substantially all assets of WorldConnect Technologies for a purchase price of $17,500,000, payable in four installments[104]. - TMTG issued up to 5,100,000 shares of common stock as consideration for the asset acquisition, with 2,600,000 shares issued on the Closing Date[103]. - TMTG's strategy includes pursuing strategic acquisitions and partnerships to expand its influence in the America First Economy[93]. Legal and Regulatory Matters - Digital World and Private TMTG initiated a lawsuit against ARC, claiming damages for tortious interference and breach of fiduciary duty, resulting in an $18 million penalty[126]. - The court granted a coercive sanction of $5,000 per day against ARC and Mr. Orlando until compliance with discovery orders was achieved[129]. - On July 15, 2025, the court dismissed all Third-Party Defendants, including President Trump, from the case[135]. - Digital World and Private TMTG filed a motion for protective order on deposition discovery, which was granted in part on August 25, 2025[136]. - ARC and Mr. Orlando filed a motion for partial summary judgment regarding extortion claims, which was denied by the court[142]. - The court scheduled an omnibus hearing for March 7, 2025, to address outstanding motions related to the case[132]. - Digital World and Private TMTG's request for expedited treatment of a petition regarding Judge Carroll's recusal was denied on October 23, 2025[144]. - The court extended trial deadlines and ordered the parties to submit candidates for Special Magistrate on October 31, 2025[145]. - A jury trial related to ongoing litigation is scheduled to begin in July 2026, expected to last approximately three to five weeks[150]. - ARC filed a demand for arbitration regarding access to privileged communications, with a hearing scheduled in New York County[160]. Intellectual Property and Compliance - TMTG's intellectual property strategy includes reliance on non-disclosure agreements and contractual provisions to protect proprietary technologies[108]. - TMTG has faced challenges in obtaining trademark registrations for "Truth Social," with non-final rejections issued by the USPTO[114]. - The company is subject to evolving U.S. federal and state laws regarding privacy and data protection, which could impact its business operations[119]. - TMTG's future success depends on its ability to protect its proprietary technologies and maintain competitive advantages[116]. Shareholder Information - President Donald J. Trump beneficially holds approximately 57.6% of the outstanding shares of TMTG common stock[99]. - The TAE Merger Agreement is expected to result in TMTG shareholders owning approximately 50% of the combined company post-merger[88]. - The "Set Percentage" for share sales is 3% for the first nine months and 5% for six to twelve months after the Closing Date, based on the average daily trading volume[103]. - TMTG filed a registration statement with the SEC for the resale of shares on August 23, 2024, which became effective on September 5, 2024[105]. Employee and Organizational Structure - As of December 31, 2025, TMTG had approximately 31 full-time employees, with no collective bargaining agreements in place[123]. - On August 26, 2025, TMTG announced a Business Combination Agreement to establish a digital asset treasury company focused on acquiring the native cryptocurrency token of the Cronos ecosystem[125].

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 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: 001-40779 Trump Media & Technology Group Corp. (Exact name of registrant as specified in its charter) Florida 85-4293042 (State or other ju ...

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 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 001-39733 Redwire Corporation (Exact name of registrant as specified in its charter) | Delaware | 88-1818410 | | --- | --- | | (State or ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 27, 2026 Trump Media & Technology Group Corp. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation) Florida 001-40779 85-4293042 (Commission File Number) (IRS Employer Identification No.) 401 N. Cattlemen Rd., Ste. 200 Sarasota, Florida 3 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 27, 2026 Trump Media & Technology Group Corp. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation) Florida 001-40779 85-4293042 (Commission File Number) (IRS Employer Identification No.) 401 N. Cattlemen Rd., Ste. 200 Sarasota, Florida 3 ...

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 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: 1-13429 Simpson Manufacturing Co., Inc. (Exact name of registrant as specified in its charter) Delaware 94-3196943 (State or other jur ...

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 DECEMBER 31, 2025 OR (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) (STATE OR OTHER JURISDICTION OF INCORPORATION OR ORGANIZATION) NEVADA 76-0364866 (I.R.S. EMPLOYER IDENTIFICATION NO.) 1300 WEST SAM HOUSTON PARKWAY SOUTH, SUITE 300, HOUSTON, TEXAS 77042 (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (Z ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) or (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ 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 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 19 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) or (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ 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 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 19 ...