Company: BCTF
Filing Date: 2025-03-06
Form Type: 10-K
Source: 0001552781-25-000058
Chunk: 34

Company: Bancorp 34, Inc.
Filing Date: 2025-03-06
Form: 10-K
Item: Item 1
Chunk 34
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. and its agencies. The Federal Open Market Committee’s monetary
policies have had, and are likely to continue to have, an important effect on the operating results of banks through its power to implement
national monetary policy in order, among other things, to curb inflation or combat a recession. The monetary policies of the Federal
Reserve have major effects on the levels of bank loans, investments and deposits through its open market operations in U.S. government
securities and through its regulation of the discount rate on borrowings of member banks and the reserve requirements against member
bank deposits. We cannot predict the nature or effect of future changes in such monetary policies.

Future
Legislation and Regulation 

Congress may enact legislation
from time to time that affects the regulation of the financial services industry, and state legislatures may enact legislation from time
to time affecting the regulation of financial institutions chartered by or operating in those states. Federal and state regulatory agencies
also periodically propose and adopt changes to their regulations or change the manner in which existing regulations are applied or interpreted.
Similarly, the change in Presidential administrations can impact the direction of policy in the banking industry through the issuance
of executive orders and other executive actions. The substance or impact of pending or future legislation or regulation, or the application
thereof, cannot be predicted, although enactment of the proposed legislation has in the past and may in the future affect the regulatory
structure under which we operate and may significantly increase our costs, impede the efficiency of our internal business processes,
require us to increase our regulatory capital or modify our business strategy, or limit our ability to pursue business opportunities
in an efficient manner. Our business, financial condition, results of operations or prospects may be adversely affected, perhaps materially,
as a result.

Item
1A. Risk Factors

An
investment in our securities involves risks and uncertainties. In addition to the other information set forth in this Form 10-K, including
the information addressed under “Forward-Looking Statements,” investors in our securities should carefully consider the risk
factors discussed below. These factors could materially and adversely affect our business, financial condition, liquidity, results of
operations, and capital position and could cause our actual results to differ materially from our historical results or the results contemplated
by the forward-looking statements contained in this Form 10-K, in which case the trading price of our securities could decline. The risk
factors discussed below highlight the risks that we believe are material to us, but do not necessarily include all risks that we