Table of Contents 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: 001-31465 NATURAL RESOURCE PARTNERS LP (Exact name of registrant as specified in its charter) Delaware 35-2164875 (State or other ...

Table of Contents 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 For the transition period from __________ to __________ Commission File Number 001-35504 FORUM ENERGY TECHNOLOGIES, INC. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of incorporation or organizatio ...

Credit Losses and Asset Quality - The total allowance for credit losses (ACL) on loans and leases held for investment (HFI) increased to $280.5 million in 2025 from $268.4 million in 2024, reflecting a rise of 4.1%[327] - The provision for credit losses for 2025 was $70.6 million, compared to $43.0 million in 2024, indicating a significant increase of 64.3%[327] - Net charge-offs decreased to $58.5 million in 2025 from $85.8 million in 2024, a reduction of 31.8%[328] - The ratio of net charge-offs to average loans for 2025 was 0.24%, down from 0.35% in 2024, showing an improvement in credit quality[327] - The allowance for credit losses to loans and leases HFI was 1.12% in 2025, slightly down from 1.13% in 2024[327] - Real estate mortgage net charge-offs decreased to $23.7 million in 2025 from $60.4 million in 2024, a decline of 60.7%[328] - The total loans and leases charged off in 2025 amounted to $75.5 million, down from $94.9 million in 2024, a decrease of 19.4%[331] - The total allowance for credit losses to nonaccrual loans and leases HFI was 176.3% in 2025, up from 141.6% in 2024, indicating a stronger coverage ratio[327] - Nonperforming assets decreased to $176.3 million in 2025 from $199.3 million in 2024, primarily due to a reduction in nonaccrual loans[338] - Classified loans and leases increased to $800.3 million in 2025 from $563.5 million in 2024, indicating a rise in credit risk[343] - Nonaccrual loans and leases decreased by $30.4 million to $159.2 million in 2025, with the largest three relationships representing 27% of total nonaccrual loans[339] - Loans and leases accruing and 30-89 days past due increased by $42.2 million to $93.0 million in 2025, mainly due to increases in residential real estate construction and multi-family real estate mortgage delinquent loans[340] Deposits and Borrowings - Total deposits increased by $651.4 million to $27.8 billion at December 31, 2025, compared to $27.2 billion at December 31, 2024[347] - FDIC-insured deposits represented approximately 71% of total deposits as of December 31, 2025, down from 72% as of December 31, 2024[348] - Total borrowings increased by $672.0 million to $2.1 billion at December 31, 2025, compared to $1.4 billion at December 31, 2024[352] - Brokered deposits totaled $2.9 billion at December 31, 2025, an increase from $2.7 billion at December 31, 2024, reflecting a shift in funding sources[371] Capital and Liquidity - At December 31, 2025, the Company maintained a Tier 1 leverage capital ratio of 9.99%, a CET1 capital ratio of 10.01%, and a total capital ratio of 16.31%, all exceeding the minimum required ratios for capital adequacy[358] - The Company's primary liquidity increased by $38.3 million to $4.4 billion at December 31, 2025, driven by a $218.7 million increase in unpledged AFS securities[367] - The Company's secondary liquidity decreased by $1.8 billion to $9.8 billion at December 31, 2025, due to decreases in available secured borrowing capacity with the FRB and FHLB[368] - The capital conservation buffer requirements were met, with the Company maintaining a CET1 capital ratio of 13.15% as of December 31, 2025, above the required 7.00%[357] - The company was in compliance with all applicable liquidity and funding concentration guidelines as of December 31, 2025, ensuring financial stability[372] Deferred Tax Assets - The net Deferred Tax Asset balance totaled $656.8 million as of December 31, 2025, down from $720.6 million as of December 31, 2024[346] - The company had a valuation allowance of $16.1 million against Deferred Tax Assets as of December 31, 2025[346] - Disallowed deferred tax assets amounted to $316.7 million for the Company and $294.1 million for the Bank as of December 31, 2025, impacting regulatory capital calculations[355] Stock Repurchase and Dividends - The company authorized a stock repurchase program of up to $300.0 million, with 13,648,429 shares repurchased at a weighted average price of $13.59, totaling $185.5 million during the year ended December 31, 2025[375] - The stock repurchase authorization is set to expire in March 2026, with $114.5 million remaining under the authorization as of December 31, 2025[375] - The ability to pay dividends is subject to restrictions from the Federal Reserve Board and certain covenants in subordinated debt[373] Off-Balance Sheet Arrangements - The company has off-balance sheet arrangements consisting of loan commitments of $5.4 billion and standby letters of credit totaling $244.9 million as of December 31, 2025[379] - The company expects to maintain adequate liquidity levels through profitability, loan and lease payoffs, and continued deposit gathering activities[378] - The company entered into an unsecured revolving line of credit agreement, increasing from $50.0 million to $100.0 million as of March 17, 2025, with no balance outstanding as of December 31, 2025[374] - The company's liability to contribute capital to LIHTC partnerships was $40.9 million, and commitments to SBICs and CRA-related loan pools totaled $122.1 million, with $87.8 million due within one year[377] Loan Portfolio Growth - Total loans and leases held for investment rose to $25.0 billion in 2025 from $23.8 billion in 2024, reflecting growth in the loan portfolio[343] - The average loan balance for real estate mortgage increased to $13.6 billion in 2025 from $14.5 billion in 2024[328] - The allowance for loan and lease losses for real estate mortgage loans was $137.4 million in 2025, down from $145.8 million in 2024, with a coverage ratio decrease from 1.09% to 1.00%[334] - The allowance for loan and lease losses for commercial loans rose to $86.1 million in 2025 from $67.8 million in 2024, with a coverage ratio decrease from 1.00% to 0.96%[336]

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: 000-10140 CVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) California 95-3629339 (State or other jurisd ...

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 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: 1-13792 Global Industrial Company (Exact name of registrant as specified in its charter) 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 Registrant's telephone number, including area code: (516) 608 ...

FORM 10-K (Mark One) Washington, D.C. 20549 ☒ 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 001-02658 STEWART INFORMATION SERVICES CORPORATION UNITED STATES SECURITIES AND EXCHANGE COMMISSION (Exact name of registrant as specified in its charter) | Delaware | | 74-1677330 | | --- ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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: 0-14703 NBT BANCORP INC. (Exact name of registrant as specified in its charter) Delaware 16-1268674 (State or other jur ...

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 ...