9. Subsequent Events

Subsequent events have been reviewed through the date these financial statements were issued.

Grasshopper Termination Agreement

As previously disclosed, on December 10, 2025, the Company entered into the Agreement and Plan of Merger, as amended on December 18, 2025 (as amended, the “Merger Agreement”), by and between the Company and Grasshopper Bancorp, Inc. (“Grasshopper”), a Delaware corporation and the parent holding company of Grasshopper Bank N.A. (“Grasshopper Bank”), a national bank and wholly-owned subsidiary of Grasshopper, pursuant to which, and subject to the terms and conditions therein, (i) Grasshopper was to merge with and into the Company (the “Merger”), and (ii) immediately following the Merger, an interim national bank and wholly-owned subsidiary of the Company was to merge with and into Grasshopper Bank. On October 16, 2026, the Company and Grasshopper entered into the

Mutual Termination Agreement and Release (the “Termination Agreement”) pursuant to which the parties agreed to mutually terminate the Merger Agreement effective as of such date. Under the terms of the Termination Agreement, the Company made a $4.0 million cash payment to Grasshopper. Neither party will pay any other fees or have any other liabilities to each other related to the Merger Agreement.

NCR 2022 Securitization Facility

On October 13, 2026, the NCR 2022 Securitization Facility was amended to, among other changes, extend the revolving period end and final maturity date to October 2028 and October 2030, respectively, decrease the commitment amount from $275.0 million to $200.0 million, decrease the borrowing rate from SOFR plus 4.25% to SOFR plus 4.00% and increase the advance rate from 85% to 90%.