Loan / deposit moved 671 bp higher
Loan / deposit changed +671 basis points from the comparable as-filed period. The change ranks at the 75th percentile of 4 prior comparable changes.
73.68%→80.39%4 prior comparisons
GROSSPATTERN / DETERMINISTIC EVIDENCE / V3
Search securities →ISBA financial changes
Ranked by interpretable importance, issuer history, magnitude, and accounting profile. No directional recommendation.
Net income increased 26.0%
Net income changed +26.0% from the comparable as-filed period.
$5.2M→$6.6M2 prior comparisons
Interest income increased 10.6%
Interest income changed +10.6% from the comparable as-filed period.
$24.9M→$27.5M2 prior comparisons
Shares outstanding increased 4.3%
Shares outstanding changed +4.3% from the comparable as-filed period. The change ranks at the 100th percentile of 8 prior comparable changes.
7,335,096→7,651,0458 prior comparisons
Loans increased 7.2%
Loans changed +7.2% from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes.
$1.4B→$1.5B4 prior comparisons
Deposits decreased 1.7%
Deposits changed -1.7% from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes.
$1.9B→$1.9B4 prior comparisons
Cash & equivalents decreased 14.1%
Cash & equivalents changed -14.1% from the comparable as-filed period. The change ranks at the 25th percentile of 4 prior comparable changes.
$161.3M→$138.5M4 prior comparisons
Total assets decreased 0.8%
Total assets changed -0.8% from the comparable as-filed period. The change ranks at the 0th percentile of 4 prior comparable changes. This reverses 4 consecutive comparable moves in the opposite direction.
$2.3B→$2.2B4 prior comparisons
Cash & equivalents decreased 61.5%
Cash & equivalents changed -61.5% from the comparable as-filed period. The change ranks at the 100th percentile of 4 prior comparable changes.
$108.6M→$41.8M4 prior comparisons
Loan / deposit moved 1217 bp higher
Loan / deposit changed +1217 basis points from the comparable as-filed period. The change ranks at the 100th percentile of 4 prior comparable changes.
74.87%→87.03%4 prior comparisons
Loans increased 13.8%
Loans changed +13.8% from the comparable as-filed period. The change ranks at the 75th percentile of 4 prior comparable changes.
$1.4B→$1.6B4 prior comparisons
Shares outstanding increased 3.7%
Shares outstanding changed +3.7% from the comparable as-filed period. The change ranks at the 100th percentile of 8 prior comparable changes. This reverses 7 consecutive comparable moves in the opposite direction.
7,359,911→7,628,8738 prior comparisons
Interest income increased 12.8%
Interest income changed +12.8% from the comparable as-filed period.
$23.2M→$26.2M2 prior comparisons
Deposits decreased 2.1%
Deposits changed -2.1% from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes. This reverses 4 consecutive comparable moves in the opposite direction.
$1.8B→$1.8B4 prior comparisons
Net income increased 0.2%
Net income changed +0.2% from the comparable as-filed period.
$5.0M→$5.0M2 prior comparisons
Total assets increased 2.9%
Total assets changed +2.9% from the comparable as-filed period. The change ranks at the 50th percentile of 4 prior comparable changes.
$2.2B→$2.2B4 prior comparisons
Method Importance combines metric-family relevance, magnitude, issuer-history unusualness, persistence, and financial-statement significance. It is analytical prioritization, not a legal materiality conclusion or investment signal.