# EDGAR Filing Document

**Accession Number:** 0001177043
**File Stem:** 0001172661-26-001272
**Filing Date:** 2026-2
**Character Count:** 10514
**Document Hash:** 8e7d7b9a691cefc34e7c45d2dec72dbc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-001272.hdr.sgml**: 20260218

**ACCESSION NUMBER**: 0001172661-26-001272

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260218

**DATE AS OF CHANGE**: 20260218

**EFFECTIVENESS DATE**: 20260218

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MENDON CAPITAL ADVISORS CORP
- **CENTRAL INDEX KEY:** 0001177043

**ORGANIZATION NAME:**
- **EIN:** 280010662
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-10662
- **FILM NUMBER:** 26645445

**BUSINESS ADDRESS:**
- **STREET 1:** OCEAN REEF PLAZA EXECUTIVE CENTER
- **STREET 2:** 31 OCEAN REEF DRIVE,SUITE C101 #249
- **CITY:** KEY LARGO
- **STATE:** FL
- **ZIP:** 33037
- **BUSINESS PHONE:** 5857701770

**MAIL ADDRESS:**
- **STREET 1:** OCEAN REEF PLAZA EXECUTIVE CENTER
- **STREET 2:** 31 OCEAN REEF DRIVE, SUITE C101 #249
- **CITY:** KEY LARGO
- **STATE:** FL
- **ZIP:** 33037

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** MENDON CAPITAL ADVISORS CORP<br>**Address:** Ocean Reef Plaza Executive Center<br>31 Ocean Reef Drive Suite C101 #249<br>Key Largo, FL 33037

**Form 13F File Number:** 028-10662

**CRD Number (if applicable):** 000113058

**SEC File Number (if applicable):** 801-56497

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Anton Schutz<br>**Title:** President<br>**Phone:** 917-692-7721

**Signature, Place, and Date of Signing:**

/s/ Anton Schutz  KEY LARGO, FL  02-17-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 65

**Form 13F Information Table Value Total:** $337628841

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABACUS GLOBAL MGMT INC | CL A | 00258Y104 |  | 17206875 | 2012500 | SH |  | SOLE |  | 2012500 | 0 | 0 |
| ALLY FINL INC | COM | 02005N100 |  | 1132250 | 25000 | SH | Put | SOLE |  | 25000 | 0 | 0 |
| AMERANT BANCORP INC | CL A | 023576101 |  | 6368220 | 326408 | SH |  | SOLE |  | 326408 | 0 | 0 |
| AMERIS BANCORP | COM | 03076K108 |  | 1893885 | 25500 | SH |  | SOLE |  | 25500 | 0 | 0 |
| ATLANTIC UN BANKSHARES CORP | COM | 04911A107 |  | 3530000 | 100000 | SH |  | SOLE |  | 100000 | 0 | 0 |
| AVIDBANK HLDGS INC | COM | 05368J103 |  | 6229728 | 234553 | SH |  | SOLE |  | 234553 | 0 | 0 |
| BANC OF CALIFORNIA INC | COM | 05990K106 |  | 4822500 | 250000 | SH |  | SOLE |  | 250000 | 0 | 0 |
| BEACON FINANCIAL CORP. | COM | 084680107 |  | 2805583 | 106393 | SH |  | SOLE |  | 106393 | 0 | 0 |
| BRIDGEWATER BANCSHARES INC | COM | 108621103 |  | 2103600 | 120000 | SH |  | SOLE |  | 120000 | 0 | 0 |
| BUSINESS FIRST BANCSHARES IN | COM | 12326C105 |  | 6535000 | 250000 | SH |  | SOLE |  | 250000 | 0 | 0 |
| BYLINE BANCORP INC | COM | 124411109 |  | 3643750 | 125000 | SH |  | SOLE |  | 125000 | 0 | 0 |
| CALIFORNIA BANCORP | COM | 84252A106 |  | 4758572 | 254878 | SH |  | SOLE |  | 254878 | 0 | 0 |
| CARTER BANKSHARES INC | COM NEW | 146103106 |  | 2307927 | 117392 | SH |  | SOLE |  | 117392 | 0 | 0 |
| CENTRAL BANCOMPANY | COM CL A | 152413100 |  | 4727324 | 200601 | SH |  | SOLE |  | 200601 | 0 | 0 |
| CITIZENS FINL GROUP INC | COM | 174610105 |  | 2920500 | 50000 | SH | Put | SOLE |  | 50000 | 0 | 0 |
| CIVISTA BANCSHARES INC | COM NO PAR | 178867107 |  | 5006944 | 225335 | SH |  | SOLE |  | 225335 | 0 | 0 |
| COASTAL FINL CORP WA | COM NEW | 19046P209 |  | 3437700 | 30000 | SH |  | SOLE |  | 30000 | 0 | 0 |
| COASTALSOUTH BANCSHARES INC | COM NEW | 19058X207 |  | 6179571 | 265788 | SH |  | SOLE |  | 265788 | 0 | 0 |
| COMMERCE BANCSHARES INC | COM | 200525103 |  | 742022 | 14123 | SH |  | SOLE |  | 14123 | 0 | 0 |
| COMMERCIAL BANCGROUP INC | COM | 20112C106 |  | 9206242 | 374847 | SH |  | SOLE |  | 374847 | 0 | 0 |
| EQUITY BANCSHARES INC | COM CL A | 29460X109 |  | 17203753 | 385236 | SH |  | SOLE |  | 385236 | 0 | 0 |
| FB FINL CORP | COM | 30257X104 |  | 6696000 | 120000 | SH |  | SOLE |  | 120000 | 0 | 0 |
| FINANCIAL INSTNS INC | COM | 317585404 |  | 3117000 | 100000 | SH |  | SOLE |  | 100000 | 0 | 0 |
| FIRST BUSEY CORP | COM NEW | 319383204 |  | 1189500 | 50000 | SH |  | SOLE |  | 50000 | 0 | 0 |
| FIRST FNDTN INC | COM | 32026V104 |  | 2464000 | 400000 | SH |  | SOLE |  | 400000 | 0 | 0 |
| FIRST HORIZON CORPORATION | COM | 320517105 |  | 11113500 | 465000 | SH |  | SOLE |  | 465000 | 0 | 0 |
| FIRST MERCHANTS CORP | COM | 320817109 |  | 3560600 | 95000 | SH |  | SOLE |  | 95000 | 0 | 0 |
| FIRST WESTN FINL INC | COM | 33751L105 |  | 6791938 | 253336 | SH |  | SOLE |  | 253336 | 0 | 0 |
| FIRSTSUN CAP BANCORP | COM | 33767U107 |  | 5288282 | 140515 | SH |  | SOLE |  | 140515 | 0 | 0 |
| FLAGSTAR BANK NATIONAL ASSOC | COM NEW | 649445400 |  | 3982620 | 316332 | SH |  | SOLE |  | 316332 | 0 | 0 |
| HOMETRUST BANCSHARES INC | COM | 437872104 |  | 2011610 | 46847 | SH |  | SOLE |  | 46847 | 0 | 0 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 1735000 | 100000 | SH | Put | SOLE |  | 100000 | 0 | 0 |
| INVESTAR HLDG CORP | COM | 46134L105 |  | 1017233 | 38037 | SH |  | SOLE |  | 38037 | 0 | 0 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 8063000 | 100000 | SH | Put | SOLE |  | 100000 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 9846400 | 40000 | SH | Put | SOLE |  | 40000 | 0 | 0 |
| KEYCORP | COM | 493267108 |  | 3096000 | 150000 | SH | Put | SOLE |  | 150000 | 0 | 0 |
| LIVE OAK BANCSHARES INC | COM | 53803X105 |  | 1717500 | 50000 | SH |  | SOLE |  | 50000 | 0 | 0 |
| MAINSTREET BANCSHARES INC | COM | 56064Y100 |  | 963272 | 47312 | SH |  | SOLE |  | 47312 | 0 | 0 |
| MECHANICS BANCORP | CL A | 43785V102 |  | 10628724 | 726502 | SH |  | SOLE |  | 726502 | 0 | 0 |
| MERIDIAN CORPORATION | COM | 58958P104 |  | 469773 | 26722 | SH |  | SOLE |  | 26722 | 0 | 0 |
| MIDWESTONE FINL GROUP INC NE | COM | 598511103 |  | 7087850 | 184100 | SH |  | SOLE |  | 184100 | 0 | 0 |
| NBT BANCORP INC | COM | 628778102 |  | 622800 | 15000 | SH |  | SOLE |  | 15000 | 0 | 0 |
| NICOLET BANKSHARES INC | COM | 65406E102 |  | 2426000 | 20000 | SH |  | SOLE |  | 20000 | 0 | 0 |
| NORTHPOINTE BANCSHARES INC. | COM SHS | 66661N886 |  | 2779003 | 165614 | SH |  | SOLE |  | 165614 | 0 | 0 |
| OLD NATL BANCORP IND | COM | 680033107 |  | 1115500 | 50000 | SH |  | SOLE |  | 50000 | 0 | 0 |
| OLD SECOND BANCORP INC ILL | COM | 680277100 |  | 1950000 | 100000 | SH |  | SOLE |  | 100000 | 0 | 0 |
| ORIGIN BANCORP INC | COM | 68621T102 |  | 7522000 | 200000 | SH |  | SOLE |  | 200000 | 0 | 0 |
| PEAPACK-GLADSTONE FINL CORP | COM | 704699107 |  | 1105004 | 39677 | SH |  | SOLE |  | 39677 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 3130950 | 15000 | SH | Put | SOLE |  | 15000 | 0 | 0 |
| PRIMIS FINANCIAL CORP | COM | 74167B109 |  | 16933019 | 1217327 | SH |  | SOLE |  | 1217327 | 0 | 0 |
| PROVIDENT FINL SVCS INC | COM | 74386T105 |  | 2271250 | 115000 | SH |  | SOLE |  | 115000 | 0 | 0 |
| REGIONS FINANCIAL CORP NEW | COM | 7591EP100 |  | 1355000 | 50000 | SH | Put | SOLE |  | 50000 | 0 | 0 |
| RENASANT CORP | COM | 75970E107 |  | 9509400 | 270000 | SH |  | SOLE |  | 270000 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 10954000 | 200000 | SH | Put | SOLE |  | 200000 | 0 | 0 |
| SHORE BANCSHARES INC | COM | 825107105 |  | 2745528 | 155290 | SH |  | SOLE |  | 155290 | 0 | 0 |
| SIMMONS 1ST NATL CORP | CL A $1 PAR | 828730200 |  | 4712500 | 250000 | SH |  | SOLE |  | 250000 | 0 | 0 |
| SOUTHERN FIRST BANCSHARES | COM | 842873101 |  | 287585 | 5582 | SH |  | SOLE |  | 5582 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 13638400 | 20000 | SH | Put | SOLE |  | 20000 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A698 |  | 11341750 | 175000 | SH | Put | SOLE |  | 175000 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A797 |  | 4551750 | 75000 | SH | Put | SOLE |  | 75000 | 0 | 0 |
| STATE STR CORP | COM | 857477103 |  | 3225250 | 25000 | SH | Call | SOLE |  | 25000 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 6151250 | 125000 | SH | Call | SOLE |  | 125000 | 0 | 0 |
| US BANCORP DEL | COM NEW | 902973304 |  | 1334000 | 25000 | SH | Put | SOLE |  | 25000 | 0 | 0 |
| USCB FINANCIAL HOLDINGS INC | CLASS A COM | 90355N101 |  | 8973156 | 487142 | SH |  | SOLE |  | 487142 | 0 | 0 |
| VERSABANK NEW | COM | 92512J106 |  | 15391998 | 1057693 | SH |  | SOLE |  | 1057693 | 0 | 0 |

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