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Category: Health

  • MIL-OSI Economics: New research: AI could make breast cancer screening more accurate and easier

    Source: Microsoft

    Headline: New research: AI could make breast cancer screening more accurate and easier

    At Microsoft’s AI for Good Lab, we’ve been working with partners at the University of Washington, the Fred Hutchinson Cancer Center, and other institutions to explore whether artificial intelligence can help bring greater clarity, accuracy, and trust to breast cancer screening. 

    This week, our joint research team released the results of a new study published in Radiology, detailing a promising AI approach that aims not just to detect cancer—but to do so in a way that radiologists can trust and patients can understand. 

    The challenges with current breast cancer screening 

    Breast cancer is the most common cancer among women worldwide. In the United States alone, one in eight women will be diagnosed with breast cancer in her lifetime. Early detection through screening is the most powerful tool available to save lives, with a 20% to 40% reduction in mortality for women aged 50-69—yet it remains an imperfect science. 

    Magnetic Resonance Imaging (MRI) is among the most sensitive screening tools available, especially for women at higher risk. But for all its sensitivity, MRI comes with serious trade-offs: high rates of false positives, significantly increased anxiety for patients, and unnecessary biopsies. The problem is especially acute for the nearly 50% of women who have dense breast tissue—a condition that not only increases the risk of breast cancer but also makes it harder to detect abnormalities through traditional imaging methods like mammograms. 

    Too often, these challenges translate into a troubling equation: more scans, more uncertainty, and more follow-up procedures that turn out to be unnecessary. In fact, only a small fraction—less than 5%—of women undergoing breast MRI screening are ultimately diagnosed with cancer. 

    A smarter model, built for the real world 

    The model—called FCDD (Fully Convolutional Data Description)—is based on anomaly detection rather than standard classification. That’s an important shift. Instead of trying to learn what every possible cancer looks like, the model learns what normal breast scans look like and flags anything that deviates.

    This approach is particularly effective in real-world screening settings where cancer is rare and abnormalities are highly varied. Across a dataset of over 9,700 breast MRI exams, the model was tested in both high- and low-prevalence scenarios—including realistic screening populations where just 1.85% of scans contained cancer.

    Here’s what we found:

    • Improved accuracy in low-prevalence populations: FCDD outperformed traditional AI models in identifying malignancies while dramatically reducing false positives. In screening-like settings, it achieved double the positive predictive value of standard models and cut false alarms by more than 25%.
    • Exceptional explainability: Unlike most AI models, FCDD doesn’t just give a “yes” or “no”—it generates heatmaps that visually highlight the suspected tumor location in the two-dimensional MRI projection. These explanation maps matched expert radiologist retrospective annotations with 92% accuracy (pixel-wise AUC), far exceeding other models.
    • Generalizability across institutions: Without retraining, the model maintained high performance on a publicly available external dataset and an independent internal dataset, suggesting strong potential for broader clinical adoption.

    Making AI impactful, not just impressive 

    This model is more than a technical achievement. It’s a step toward making AI useful in clinical workflows—providing triage support, reducing time spent on normal cases, and focusing radiologists’ attention where it matters most. By improving specificity at high sensitivity thresholds (95–97%), the model could help reduce unnecessary callbacks and biopsies, easing emotional and financial burdens for patients. 

    Importantly, the code and methodology have been made open to the research community. You can explore the project here: GitHub Repository, and the paper here.

    As with all AI in healthcare, the path to impact requires more than algorithms. It requires trust. Trust is built not only by performance metrics but also by transparency, interpretability, and a clear understanding of the clinical context in which these tools are deployed. 

    Where we go from here 

    We still have work ahead. The model will need to be tested prospectively in larger, diverse clinical populations. But the results are promising—and they mark an important shift in how we think about the role of AI in medicine. Rather than asking doctors to trust a black box, we’re building models that shine a light on what they see and why. 

    “We are very optimistic about the potential of this new AI model, not only for its increased accuracy over other models in identifying cancerous regions but its ability to do so using only minimal image data from each exam. Importantly, this AI tool can be applied to abbreviated contrast-enhanced breast MRI exams as well as full diagnostic protocols, which may also help in shortening both scan times and interpretation times,” said Savannah Partridge, Professor of Radiology at the University of Washington and senior author of the study. “We are excited to take the next steps to assess its utility for enhancing radiologist performance and clinical workflows.” 

    AI will not replace radiologists. But with the right design and oversight, it can give them sharper tools and clearer signals to increase confidence in evaluating difficult cases.  

    Breast cancer is a global challenge. With AI, we have a chance to detect it earlier, reduce unnecessary interventions, and ultimately save more lives. That is a future worth building toward—one pixel, one scan, and one breakthrough at a time. 

    Tags: AI, AI for Good

    MIL OSI Economics –

    July 16, 2025
  • MIL-OSI United Nations: Ukraine: Civilians under fire in record numbers as attacks surge

    Source: United Nations 2-b

    According to the UN human rights office, OHCHR, at least 139 civilians have been killed and 791 injured so far in July alone.

    “The devastating physical and psychological impact on civilians of repeated attacks in this and other conflicts cannot be captured by numbers alone,” said OHCHR spokesperson Liz Throssell on Tuesday.

    Escalating attacks

    On the night of 12 July, Russian forces reportedly launched nearly 600 Shahed-type unmanned attack and decoy drones, along with 26 missiles, killing two civilians and injuring 41.

    Damage was reported across multiple regions, including Chernivtsi, Lviv, Cherkasy, Volyn and Kirovohrad – all far from active combat zones. Earlier that same week, Russian forces reportedly launched a record-breaking 728 long-range drones in a single 24-hour period.

    June marked the deadliest month for civilians in over three years.

    “People are having to spend hours sheltering (…) in basements, corridors and available refuges such as metro stations,” said Ms. Throssell. “In some cases, they’re unable to get to shelter at all.”

    Health under pressure

    The UN World Health Organization (WHO) meanwhile has verified 2,504 attacks on health facilities and personnel in Ukraine since the start of the full-scale invasion by the Russian Federation on 24 February 2022.

    These strikes have hit hospitals, ambulances and first responders, including in so-called “double tap” attacks where secondary strikes follow the initial impact.

    “This means more than two attacks every day…Healthcare is not a safe place for patients and healthcare workers,” said Dr. Jarno Habicht, WHO Representative in Ukraine.

    Access to healthcare remains especially limited in frontline areas, where personnel and supplies are scarce.

    Only 69 per cent of residents in those areas have seen a primary care doctor, compared to 74 per cent nationally. WHO mobile teams operating in 82 locations have conducted more than 7,500 consultations in 2025 so far.

    The psychological toll is also wearing people down. A recent assessment found that seven out of 10 people reported anxiety, depression or severe stress over the last 12 months, while one in two said they had experienced significant stress in just the past two months.

    To address this, WHO and national partners have trained more than 125,000 health workers and expanded mental health services through more than 220 community resilience centres.

    Despite continued deliveries of trauma kits and medical supplies by UN and humanitarian partners, the response remains critically underfunded. As of mid-July, only 35.5 per cent of the required $129 million for 2025 has been secured, leaving more than two million people without adequate medical support.

    Call for accountability

    In Geneva, Ms. Throssell highlighted the UN human rights chief’s calls for an immediate end to hostilities and for efforts toward a just and lasting peace.

    “The Russian Federation’s full-scale armed attack on Ukraine must urgently be halted and work on a lasting peace in line with international law must intensify,” Volker Türk said in a statement.

    The High Commissioner emphasized that any sustainable solution must include accountability for serious human rights violations, the return of deported children, protection for civilians in occupied areas, humane treatment of prisoners of war, and restoration of humanitarian corridors.

    MIL OSI United Nations News –

    July 16, 2025
  • MIL-OSI USA: Warren, Schumer, Sanders Urge ED Secretary McMahon to Reverse Interest Hike on Student Loan Borrowers Amid Rising Costs

    US Senate News:

    Source: United States Senator for Massachusetts – Elizabeth Warren
    July 15, 2025
    ED will increase the student loan balances of eight million Americans by $300/month on average.
    Senators: “You should immediately reverse this policy so that millions of borrowers are not forced to pay billions of dollars in unnecessary interest charges.”
    Text of Letter (PDF)
    Washington, D.C. — U.S. Senator Elizabeth Warren (D-Mass.), Senate Minority Leader Chuck Schumer (D-N.Y.), and Senator Bernie Sanders (I-Vt.), Ranking Member of the Senate Committee on Health, Education, Labor and Pensions, sent a letter to Secretary of Education Linda McMahon, urging the Department of Education (ED) to immediately reverse its recent decision to resume charging interest to the nearly eight million student loan borrowers currently in a forbearance after enrolling in the Saving on a Valuable Education (SAVE) plan. 
    “This decision will be devastating for millions of American families,” wrote the senators. “The average borrower enrolled in SAVE will be charged hundreds of dollars in interest each month, amounting to over $27 billion in unnecessary costs placed on borrowers across the country over the next year alone.”
    SAVE is an income-driven repayment (IDR) plan designed by the Biden Administration to make federal student loan payments significantly more affordable for millions of borrowers, which would have cut many borrowers’ monthly payments in half. Last year, as a result of litigation pursued by Republican state attorneys general, Republican-appointed judges blocked the implementation of the SAVE plan, forcing the eight million borrowers who had already enrolled in SAVE into a forbearance. In response, the Biden Administration implemented a safeguard that prevented these borrowers from accruing interest during the pause. 
    On July 9, 2025, Secretary McMahon announced that borrowers in the SAVE forbearance would begin accruing interest again. The decision came despite a backlog of 1.5 million unprocessed IDR applications, meaning that SAVE borrowers will likely be unable to switch to another IDR plan that would allow them to make progress toward debt relief. Instead, they will be stuck in forbearance with no way to avoid accumulating interest. And once the forbearance period ends, many of these borrowers’ monthly payments will be higher due to the extra interest charges that will have accumulated and compounded over time.
    ED’s new policy appears to be based on a false premise. The press release announcing the new policy claimed that it was required by a court order. But no court has told ED to resume charging interest, and the Administration has the legal right under the Higher Education Act to pause interest payments for borrowers in the SAVE forbearance. In fact, courts have even cited the interest-free forbearance as justification for continuing to temporarily suspend SAVE while litigation is ongoing.
    “It defies logic and the law that a months-old preliminary injunction against SAVE, which makes no mention of the interest-free forbearance, requires you to start charging interest to millions of borrowers in forbearance now,” wrote the senators. “You should immediately reverse this policy so that millions of borrowers are not forced to pay billions of dollars in unnecessary interest charges.”
    Due to the impacts this policy will have on millions of student loan borrowers, the senators demanded Secretary McMahon answer their questions about this new policy and the staggering IDR application backlog by July 28, 2025:
    “Under your leadership, ED has continuously failed student loan borrowers, jacking up costs and ripping up consumer protections,” concluded the senators. “This new policy is another example of the Trump Administration’s deliberate disregard for the millions of Americans shouldering student loan debt across the country.”
    Senator Warren launched the Save Our Schools campaign in a coordinated effort to fight back against President Trump’s attempts to abolish the Department of Education:
    On July 14, 2025, Senator Warren joined a letter to the director of the Office of Management and Budget, Russ Vought, and the Department of Education Secretary, Linda McMahon, demanding that the department stop blocking nearly $7 billion in funds for K-12 schools, including for afterschool programs. 
    On July 3, 2025, Senator Warren led her colleagues in submitting an amicus brief for NAACP v. US, arguing to the United States District Court District of Maryland that President Trump’s attempts to dismantle the Department of Education (ED) violate separation of powers and lack constitutional authority.
    On June 10, 2025, Senator Warren met with Secretary of Education Linda McMahon and delivered over 1,000 letters to McMahon that the senator had received from people in all 50 states who were worried about the Secretary’s efforts to dismantle ED.
    On June 9, 2025, Senator Warren led her colleagues in pushing the Acting Inspector General of ED to open an investigation into new information obtained by her office, revealing that DOGE may have gained access to two FSA internal systems, in addition to sensitive borrower data.
    On May 20, 2025, Senator Warren and 27 other senators pushed for full funding for the Office of Federal Student Aid.
    On May 14, 2025, Senator Warren led a Senate forum entitled “Stealing the American Dream: How Trump and Republicans Are Raising Education Costs for Families,” highlighting the consequences of Secretary Linda McMahon’s reckless dismantling of the Department of Education (ED) and President Trump’s “big, beautiful bill” for working- and middle-class students and borrowers.
    On May 13, 2025, Senator Warren agreed to meet with Education Secretary Linda McMahon and promised to bring questions and stories from Americans across the country to highlight how the Trump administration’s attacks on education are hurting American families.
    On May 6, 2025, Senator Elizabeth Warren highlighted the consequences of President Trump and Secretary Linda McMahon’s reckless dismantling of the Department of Education for American families in a Senate forum.
    On April 24, 2025, Senator Warren launched a new investigation into the harms of President Trump’s attacks on the Department of Education, seeking information on the impact of the Trump administration’s actions from the members of twelve leading organizations representing schools, parents, teachers, students, borrowers, and researchers.
    On April 10, 2025, following a request led by Senator Warren, the Department of Education’s Acting Inspector General agreed to open an investigation into the Trump administration’s attempts to dismantle the Department of Education.
    On April 2, 2025, Senators Elizabeth Warren and Mazie Hirono, along with Senate Democratic Leader Chuck Schumer, sent a letter to Secretary of Education Linda McMahon regarding the Department of Government Efficiency’s proposed plan to replace the Department of Education’s federal student aid call centers with generative artificial intelligence chatbots.
    On April 2, 2025, Senator Elizabeth Warren launched the Save Our Schools campaign to fight back against the Trump administration’s efforts to dismantle the Department of Education (ED) and highlight the consequences for every student and public school in America.
    On March 27, 2025, Senator Elizabeth Warren (D-Mass.) led a letter to Acting Department of Education Inspector General (IG) René Rocque requesting that the IG conduct an investigation of the Trump Administration’s attempts to dismantle the Department of Education.
    On March 20, 2025, Senators Elizabeth Warren and Bernie Sanders led a letter to Secretary of Education Linda McMahon regarding the Trump Administration’s decision to slash the capacity of Federal Student Aid to handle student aid complaints.
    On February 24, 2025, in a response to Senator Warren, Secretary McMahon gave her first public admission that she “wholeheartedly” agreed with Trump’s plans to abolish the Department of Education.
    On February 11, 2025, Senators Elizabeth Warren and Andy Kim sent Linda McMahon, Secretary-Designate for the U.S. Department of Education, a 12-page letter with 65 questions on McMahon’s policy views in advance of her nomination hearing.

    MIL OSI USA News –

    July 16, 2025
  • MIL-OSI USA: PRESS RELEASE: Rep. Barragán Follows Up on Exchange with HHS Secretary Kennedy on Alzheimer’s Research During Energy & Commerce Health Subcommittee Hearing

    Source: United States House of Representatives – Representative Nanette Diaz Barragán (CA-44)

    FOR IMMEDIATE RELEASE

    15 July 2025

    Contact: Jin Choi

    Rep. Barragán Follows Up on Exchange with HHS Secretary Kennedy on Alzheimer’s Research During Energy & Commerce Health Subcommittee Hearing

    WASHINGTON, D.C. — Today, Congresswoman Nanette Barragán (CA-44), a member of the Energy & Commerce Subcommittee on Health, sent a letter to Department of Health and Human Services (HHS) Secretary Kennedy following up on comments and commitments the Secretary made related to Alzheimer’s disease research at the House Energy & Commerce Health Subcommittee Hearing on “The Fiscal Year 2026 Department of Health and Human Services Budget” on Tuesday, June 24, 2025.

    The National Institute of Health (NIH) funds 35 Alzheimer’s Disease Research Centers (ADRCs) across the country. Since the start of the Trump Administration and DOGE’s attacks on critical research, 13 ADRCs have experienced funding reductions of $65 million in 2025. Currently, another 14 ADRCs are up for renewal in Fiscal Year (FY) 2026.

    The letter clarifies the facts about the status of federally-funded Alzheimer’s research after Secretary Kennedy suggested that what the Congresswoman shared about these cuts was untrue.

    “It’s extremely disappointing that our nation’s top health official was unaware of devastating cuts to research that prevents access to clinical trials and other critical services for people living with devastating Alzheimer’s and their caregivers,” said Rep. Barragán. “I urge Secretary Kennedy to honor his words and ensure full funding of the Alzheimer’s Disease Research Centers up for renewal in 2026. These Centers are funded with bipartisanship support in Congress. This should be a non-partisan priority. Families battling Alzheimer’s can’t afford funding delays, conspiracy theories, or ideological budgets. They need answers, treatments, and hope now.”

    The letter also urges a commitment in writing following an exchange during the hearing when Congresswoman Barragán asked Secretary Kennedy to commit to fully funding the 14 ADRCs up for renewal in FY26, and the Secretary responded that is something he was willing to work together on.

    About Alzheimer’s Disease Research Centers

    Established in 1984 as NIH Centers of Excellence, the Alzheimer’s Disease Research Centers (ADRCS) are conducting research and translating scientific advances into improved diagnosis and care for people living with Alzheimer’s disease and related dementias. ADRCs have supported access to over 325 clinical trial opportunities between 2017 and 2022, provided evaluations and diagnoses for nearly 30,000 individuals living with dementia or mild cognitive impairment since 2005, and offered a range of supportive and informational resources, including referrals to clinical trials, for ADRC research participants living with dementia and their caregivers as well as for professional providers. Although each Center has its own area of research emphasis, the ADRCs work together as a network to enhance research, sharing new research ideas, approaches, diseases, and samples.

    The full text of the letter can be found here.

    ###

    MIL OSI USA News –

    July 16, 2025
  • MIL-OSI: Chalk River Laboratories Becomes First GLP-Certified Laboratory in Canada to Offer Pre-Clinical Radiopharmaceutical Studies

    Source: GlobeNewswire (MIL-OSI)

    CHALK RIVER, Ontario, July 15, 2025 (GLOBE NEWSWIRE) — Canadian Nuclear Laboratories (CNL), Canada’s premier nuclear science and technology organization, is pleased to announce that the Chalk River Laboratories has become the first Good Laboratory Practices (GLP) certified laboratory in Canada that is capable of performing radioactive work and pre-clinical radiopharmaceutical contract research. The enhanced certification follows a Standards Council of Canada (SCC) audit that granted CNL full GLP recognition, a designation that adheres to Organization for Economic Co-operation and Development (OECD) protocols, and standards required by national and international regulators, including Health Canada and the Food and Drug Administration (FDA) in the United States.

    GLP recognition demonstrates that CNL meets internationally recognized standards for laboratory studies, ensuring the reliability, reproducibility, and integrity of the data generated, and is critical for laboratories conducting radiopharmaceutical testing and evaluation. CNL can now perform GLP compliant studies within its Biological Research Facility (BRF) and its Analytical Chemistry laboratories, through capabilities the are unique in Canada to perform radiopharmaceutical testing and evaluation. This presents a wide range of new and exciting commercial and partnership opportunities to Canada’s national nuclear laboratory.

    “Securing GLP recognition for the Chalk River Laboratories is a significant milestone that comes at a time when the global radiopharmaceutical industry is experiencing exceptional growth and Canada is playing an industry defining role,” commented Dr. Marie-Claude Gregoire, Head of CNL’s Isotopes, Radiobiology and Environment Directorate. “Given our capabilities to safely access and manage a wide range of radioactive materials, it also distinguishes CNL from other contract research organizations in Canada, positioning the Chalk River Laboratories campus as a ‘one-stop shop’ to conduct innovative pre-clinical radiopharmaceuticals studies. Overall, we believe this designation fulfills an unmet need in the Canadian and global radiopharmaceutical market and will further expand what has been a growing source of revenue for CNL.”

    Administered by the SCC, GLP recognition ensures a high degree of quality assurance and data integrity for laboratory contract research and enables full traceability and curation of information. In recent years, CNL has expanded its preclinical and radiopharmaceutical capabilities and launched collaborative programs to advance knowledge and pursue new commercial opportunities. This includes GLP analytical and toxicology studies, formulation optimization, biodistribution studies, in-vitro assays and other pre-clinical studies conducted on behalf of pharmaceutical companies, government bodies, and regulatory agencies. GLP studies is a phase of preclinical research conducted prior to clinical trials in humans, and typically yields information about a drug’s safety and toxicity in animal models.

    The GLP studies and preclinical research is largely carried out at CNL’s BRF, which is a 1,600 m2 state-of-the-art facility designed to support animal and animal tissue-based studies, featuring capabilities that support radiation, radionuclide and carcinogen-based testing and experimentation that are unique in Canada. The BRF houses environmentally controlled, specific pathogen-free laboratories dedicated to biological research, which includes cell and molecular biology, histology and tissue processing, hematology, tissue culture and animal procedures. This facility houses over 20,000 mice at full capacity. With full GLP recognition now in place, the facility will increasingly serve as a national facility dedicated to advancing innovative, next-generation radiopharmaceuticals, medical isotopes and cancer treatments towards clinical testing and real-world use.

    “Recent advances in radioligand therapy are enabling better outcomes for cancer patients. This is driving a rebirth of the radiopharmaceutical industry and spurring unprecedented growth, with current forecasts estimating that this market would grow from a $9.3 Billion market in 2023 to a $42 Billion market by 2033,” commented George Baidoo, CNL’s Technical Director, Health in Business Development. “The message that we want to send to the radiopharmaceutical industry today is that CNL can work with radioactive materials within GLP certified laboratories, a very unique capability that addresses an unmet need in the industry. By leveraging the assets of Canada’s national nuclear laboratory, CNL can provide needed preclinical radiopharmaceutical R&D services, coupled with GLP capabilities, to help advance and accelerate new therapies from bench to bedside.”

    CNL’s Biological Research Facility and Analytical Chemistry services are part of a broader series of laboratories and programs that CNL maintains in health studies and dosimetry services, including animal studies, isotope production and processing, targeted radionuclide therapies, and waste management solutions. For more information on CNL’s research in health sciences, including its Biological Research Facility, please visit www.cnl.ca/health.

    About CNL

    As Canada’s premier nuclear science and technology laboratory and working under the direction of Atomic Energy of Canada Limited (AECL), CNL is a world leader in the development of innovative nuclear science and technology products and services. Guided by an ambitious corporate strategy known as Vision 2030, CNL fulfills three strategic priorities of national importance – restoring and protecting the environment, advancing clean energy technologies, and contributing to the health of Canadians.

    By leveraging the assets owned by AECL, CNL also serves as the nexus between government, the nuclear industry, the broader private sector, and the academic community. CNL works in collaboration with these sectors to advance innovative Canadian products and services towards real-world use, including carbon-free energy, cancer treatments and other therapies, non-proliferation technologies and waste management solutions.

    To learn more about CNL, please visit www.cnl.ca.

    CNL Contact:
    Philip Kompass
    Director, Corporate Communications
    1-866-886-2325
    media@cnl.ca

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/45b7fbd5-d415-449c-85b9-c0dcb4006b03

    The MIL Network –

    July 16, 2025
  • MIL-OSI USA: PRESS RELEASE: Rep. Barragán Follows Up on Exchange with HHS Secretary Kennedy on Alzheimer’s Research During Energy & Commerce Health Subcommittee Hearing

    Source: United States House of Representatives – Representative Nanette Diaz Barragán (CA-44)

    FOR IMMEDIATE RELEASE

    15 July 2025

    Contact: Jin Choi

    Rep. Barragán Follows Up on Exchange with HHS Secretary Kennedy on Alzheimer’s Research During Energy & Commerce Health Subcommittee Hearing

    WASHINGTON, D.C. — Today, Congresswoman Nanette Barragán (CA-44), a member of the Energy & Commerce Subcommittee on Health, sent a letter to Department of Health and Human Services (HHS) Secretary Kennedy following up on comments and commitments the Secretary made related to Alzheimer’s disease research at the House Energy & Commerce Health Subcommittee Hearing on “The Fiscal Year 2026 Department of Health and Human Services Budget” on Tuesday, June 24, 2025.

    The National Institute of Health (NIH) funds 35 Alzheimer’s Disease Research Centers (ADRCs) across the country. Since the start of the Trump Administration and DOGE’s attacks on critical research, 13 ADRCs have experienced funding reductions of $65 million in 2025. Currently, another 14 ADRCs are up for renewal in Fiscal Year (FY) 2026.

    The letter clarifies the facts about the status of federally-funded Alzheimer’s research after Secretary Kennedy suggested that what the Congresswoman shared about these cuts was untrue.

    “It’s extremely disappointing that our nation’s top health official was unaware of devastating cuts to research that prevents access to clinical trials and other critical services for people living with devastating Alzheimer’s and their caregivers,” said Rep. Barragán. “I urge Secretary Kennedy to honor his words and ensure full funding of the Alzheimer’s Disease Research Centers up for renewal in 2026. These Centers are funded with bipartisanship support in Congress. This should be a non-partisan priority. Families battling Alzheimer’s can’t afford funding delays, conspiracy theories, or ideological budgets. They need answers, treatments, and hope now.”

    The letter also urges a commitment in writing following an exchange during the hearing when Congresswoman Barragán asked Secretary Kennedy to commit to fully funding the 14 ADRCs up for renewal in FY26, and the Secretary responded that is something he was willing to work together on.

    About Alzheimer’s Disease Research Centers

    Established in 1984 as NIH Centers of Excellence, the Alzheimer’s Disease Research Centers (ADRCS) are conducting research and translating scientific advances into improved diagnosis and care for people living with Alzheimer’s disease and related dementias. ADRCs have supported access to over 325 clinical trial opportunities between 2017 and 2022, provided evaluations and diagnoses for nearly 30,000 individuals living with dementia or mild cognitive impairment since 2005, and offered a range of supportive and informational resources, including referrals to clinical trials, for ADRC research participants living with dementia and their caregivers as well as for professional providers. Although each Center has its own area of research emphasis, the ADRCs work together as a network to enhance research, sharing new research ideas, approaches, diseases, and samples.

    The full text of the letter can be found here.

    ###

    MIL OSI USA News –

    July 16, 2025
  • MIL-OSI USA: PRESS RELEASE: Rep. Barragán Follows Up on Exchange with HHS Secretary Kennedy on Alzheimer’s Research During Energy & Commerce Health Subcommittee Hearing

    Source: United States House of Representatives – Representative Nanette Diaz Barragán (CA-44)

    FOR IMMEDIATE RELEASE

    15 July 2025

    Contact: Jin Choi

    Rep. Barragán Follows Up on Exchange with HHS Secretary Kennedy on Alzheimer’s Research During Energy & Commerce Health Subcommittee Hearing

    WASHINGTON, D.C. — Today, Congresswoman Nanette Barragán (CA-44), a member of the Energy & Commerce Subcommittee on Health, sent a letter to Department of Health and Human Services (HHS) Secretary Kennedy following up on comments and commitments the Secretary made related to Alzheimer’s disease research at the House Energy & Commerce Health Subcommittee Hearing on “The Fiscal Year 2026 Department of Health and Human Services Budget” on Tuesday, June 24, 2025.

    The National Institute of Health (NIH) funds 35 Alzheimer’s Disease Research Centers (ADRCs) across the country. Since the start of the Trump Administration and DOGE’s attacks on critical research, 13 ADRCs have experienced funding reductions of $65 million in 2025. Currently, another 14 ADRCs are up for renewal in Fiscal Year (FY) 2026.

    The letter clarifies the facts about the status of federally-funded Alzheimer’s research after Secretary Kennedy suggested that what the Congresswoman shared about these cuts was untrue.

    “It’s extremely disappointing that our nation’s top health official was unaware of devastating cuts to research that prevents access to clinical trials and other critical services for people living with devastating Alzheimer’s and their caregivers,” said Rep. Barragán. “I urge Secretary Kennedy to honor his words and ensure full funding of the Alzheimer’s Disease Research Centers up for renewal in 2026. These Centers are funded with bipartisanship support in Congress. This should be a non-partisan priority. Families battling Alzheimer’s can’t afford funding delays, conspiracy theories, or ideological budgets. They need answers, treatments, and hope now.”

    The letter also urges a commitment in writing following an exchange during the hearing when Congresswoman Barragán asked Secretary Kennedy to commit to fully funding the 14 ADRCs up for renewal in FY26, and the Secretary responded that is something he was willing to work together on.

    About Alzheimer’s Disease Research Centers

    Established in 1984 as NIH Centers of Excellence, the Alzheimer’s Disease Research Centers (ADRCS) are conducting research and translating scientific advances into improved diagnosis and care for people living with Alzheimer’s disease and related dementias. ADRCs have supported access to over 325 clinical trial opportunities between 2017 and 2022, provided evaluations and diagnoses for nearly 30,000 individuals living with dementia or mild cognitive impairment since 2005, and offered a range of supportive and informational resources, including referrals to clinical trials, for ADRC research participants living with dementia and their caregivers as well as for professional providers. Although each Center has its own area of research emphasis, the ADRCs work together as a network to enhance research, sharing new research ideas, approaches, diseases, and samples.

    The full text of the letter can be found here.

    ###

    MIL OSI USA News –

    July 16, 2025
  • MIL-OSI USA: ICYMI: Health Subcommittee Chairman Griffith Visits SWVA Rural Health Care Providers

    Source: United States House of Representatives – Congressman Morgan Griffith (R-VA)

    ICYMI: Health Subcommittee Chairman Griffith Visits SWVA Rural Health Care Providers

    In his first public actions since being named Chairman of the House Committee on Energy and Commerce Subcommittee on Health, U.S. Representative Morgan Griffith (R-VA) visited multiple rural health care providers in Virginia’s Ninth District. For information on each visit, please see below:

    Wednesday visit to Lee County Community Hospital with Congresswoman Diana Harshbarger.

    Wednesday visit to Clinch Valley Medical Center.

    Wednesday visit to LewisGale Hospital Montgomery.

    Thursday visit to Connect Health + Wellness.

    ###

    MIL OSI USA News –

    July 16, 2025
  • MIL-OSI United Nations: 15 July 2025 Departmental update WHO prequalifies the first triple diagnostic test for HIV, hepatitis B and syphilis, a milestone toward global disease elimination goals

    Source: World Health Organisation

    On 10 July 2025, the World Health Organization (WHO) prequalified the first bundled set of three in vitro rapid diagnostic tests (RDTs) capable of simultaneously detecting HIV, hepatitis B virus (HBV) and syphilis – three major infections that pose serious risks to maternal and child health.

    The prequalification listing of the Determine™ Antenatal Care Panel is expected to facilitate timely and expanded access to testing in communities where pregnant women often face significant barriers to early diagnosis and essential maternal health care. This advancement also supports the global initiative to eliminate mother-to-child transmission of HIV, HBV and syphilis as a public health problem – a critical effort known as triple elimination.

    HIV, HBV and syphilis are not only leading causes of preventable illness and death but also carry a high risk of vertical (mother-to-child) transmission during pregnancy, childbirth or breastfeeding. Early diagnosis during pregnancy is therefore crucial. Timely testing allows pregnant women to access appropriate treatment, prophylaxis and supportive care, significantly reducing the risk of complications and transmission to the infant. WHO recommends that all pregnant women be tested at least once for these three pathogens – and as early as possible – during pregnancy.

    “Ensuring rapid access to quality-assured diagnostic tests is essential to protecting the health of vulnerable populations, including pregnant women,” said Dr Rogério Gaspar, Director of WHO’s Department of Prequalification and Regulation of Medicines and Health Products. “This milestone reflects our continued commitment to accelerating the availability of safe, effective and quality health innovations where they are needed most.”

    To date, WHO has prequalified three dual HIV/syphilis RDTs and continues to monitor a growing pipeline of multiplex diagnostic tools. Assessing these innovations remains a strategic priority, as they offer the potential to further strengthen integrated testing efforts. The newly listed product can build on the successful scale-up of dual HIV/syphilis RDTs and existing WHO guidance to support broader access to integrated antenatal screening.

    As health systems face growing resource constraints, integrated approaches such as multiplex testing are increasingly vital. They have the potential to simplify service delivery, reduce costs and improve testing coverage, especially in low-resource and high-burden settings.

    WHO is currently developing global guidance on multiplex testing to support countries in effectively deploying this panel, and other emerging multiplex diagnostics. The guidance will offer evidence-based recommendations on when, where, and how to use multiplex tests to maximize impact, and answer questions on the viability of further multiplex self-testing.

    “Rapid multiplex tests like this mark a new era for diagnostics as they have potential to transform service delivery and population health. By aligning product prequalification with programmatic guidance, WHO is helping countries implement innovations smarter and faster through working across departments. With our multiplex testing guidelines coming soon, we can turn innovation into impact,” said Dr Meg Doherty, WHO Director of the Global HIV, Hepatitis and STI Programmes.

    Designed for use by trained health-care providers at the point of care, the Determine™ Antenatal Care Panel is currently intended specifically for pregnant women aged 12 years and older. It enables simultaneous testing for HIV-1/2 antibodies and HIV-1 p24 antigen (Determine™ HIV Early Detect), hepatitis B surface antigen (Determine™ HBsAg 2), and syphilis antibodies to Treponema pallidum (Determine™ Syphilis TP). Each test is qualitative, visually read, and uses capillary whole blood from a finger-prick – providing a practical, efficient tool to aid in the diagnosis of HIV, HBV, and syphilis during pregnancy.

    This listing reflects the strong, ongoing collaboration between WHO’s Global HIV, Hepatitis and STI Programmes and the Department of Prequalification and Regulation of Medicines and Health Products. Together, they are working to accelerate access to high-impact tools and ensure they reach the people who need them most.

    MIL OSI United Nations News –

    July 16, 2025
  • MIL-OSI United Nations: 15 July 2025 Departmental update New WHO guidance on HIV disclosure for children and adolescents

    Source: World Health Organisation

    Despite some advancements in achieving key milestones towards ending AIDS in children and adolescents, progress remains slow and major challenges continue to hinder the attainment of global targets. Disclosure is a continuing challenge for these groups, with limited evidence for effective interventions. 

    Disclosure refers to the process by which children and adolescents are made aware of their own HIV status, enabling them to share this with others safely and when ready, and empowering them to be engaged in and lead decision-making about their own health. Disclosure, when done the right way, can lead to significant benefits, increased social support, reduced stress and improved mental health. Although they are a driver of improved clinical outcomes, disclosure decisions can be particularly complex, with important considerations to be weighed up concerning potential risks and benefits. To address these gaps, an up-to-date understanding of the evidence on disclosure interventions for this age group is necessary.

    WHO has released new guidance to help children and adolescents living with HIV navigate disclosure. Since the guidance released by WHO in 2011, no practical tools have been made available for ministries of health, health-care providers and their teams. 

    “With this new document, WHO is responding to country requests to support the implementation of evidence-informed activities guiding safe and quality disclosure. This new guidance provides an overview of disclosure interventions that are developmentally appropriate, address layered stigma, promote caregiver-client communication, and facilitate supportive health and community systems both pre- and post-disclosure for policy-makers, health workers, caregivers, children, adolescents and the community at large” says Wole Ameyan, WHO Global HIV, Hepatitis and STIs Programmes.

    The updated guidance outlines safe approaches and proven interventions, presented in 2 parts. 

    The first part presents findings from a scoping review of 25 interventions supporting HIV status disclosure to, and by, children and adolescents aged 6-19. These include disclosure-specific and disclosure-inclusive interventions.

    “All children and adolescents have the right to and need for information that helps them make sense of their world,” said Nicola Willis, Executive Director, Zvandiri, a community-based organization in Zimbabwe. “Yet many living with HIV have lacked this vital support. This new guidance reminds us that discussing their HIV status with them is an essential component of their treatment and care. Evidence-based approaches exist and it’s time to prioritize their implementation to improve mental health and viral suppression.”

    The second part outlines emerging considerations, gaps and key actions on adolescent development and autonomous decision-making; stigma and rights-based approaches; measurement, monitoring and evaluation; building support systems across families and communities; and the need for innovation in an evolving epidemic. It offers health workers, policy-makers, and other practitioners and researchers working with vulnerable populations, an overview of evidence integrated with rights-based approaches centred on child and adolescent well-being in the process of disclosure.

    “This new guidance offers clear, actionable examples and a strong summary of updated, context-specific interventions,” said Luann Hatane, Executive Director, Paediatric-Adolescent Treatment Africa (PATA). “We look forward to sharing it across our network and incorporating the case studies into our capacity-building efforts.”

    Disclosure is both a personal decision and a means to safeguard health outcomes, especially for younger populations. The social, relational, and systemic considerations emerging from the evidence are central to promoting safe disclosure. 

    MIL OSI United Nations News –

    July 16, 2025
  • MIL-OSI United Nations: 15 July 2025 Departmental update Integrating HIV, viral hepatitis and sexually transmitted infections with primary health care: learning from countries

    Source: World Health Organisation

    Countries are facing acute challenges and new opportunities in how HIV, viral hepatitis and sexually transmitted infections (STI) services are funded and delivered. In recent years and months, efforts to strengthen country ownership, integration and sustainability have accelerated as donor funding declines.

    Many countries are increasingly adopting a primary-health care (PHC) approach to address HIV, viral hepatitis and STI epidemics as part of a broader holistic and people-centred approach to health.

    A new policy brief Integrating HIV, viral hepatitis and sexually transmitted infections (STIs) with primary health care: learning from countries highlights progress and lessons learned from efforts to converge, link and integrate these services with PHC in several low- and middle-income countries.

    The overall experiences from selected countries in this brief – Angola, Botswana, Brazil, Ethiopia, Indonesia, Kenya, Pakistan, Rwanda, Viet Nam, and Zambia – show varied challenges, approaches and outcomes aligned with the 4 strategic and 10 operational levers described in the WHO/UNICEF PHC Operational Framework.

    Acting on only 1 or 2 levers limits impact and reach in the context of complex ecosystems. Countries that prioritized 4 or more areas at the same time – across both strategic and operational levels – achieved the most sustainable results. The integration of disease-focused responses and services with PHC has led to improved access to services, enhanced service delivery, stronger community engagement, improved health outcomes and sustainable financing. 

    The policy brief recommends strengthening coordination and governance through strong political leadership, securing sustainable funding, and adopting a health system–focused approach. It advocates for task sharing within the health workforce and emphasizes meaningful community engagement to build trust and ownership. Addressing stigma and discrimination is a key priority, alongside leveraging digital technologies to improve service delivery. Finally, it highlights the importance of engaging the private sector to support innovation and expand reach.

    MIL OSI United Nations News –

    July 16, 2025
  • MIL-OSI USA: Baldwin, Ernst Introduce Bipartisan Bill to Expand Access to Mental Health Care for Farmers, Rural Communities

    US Senate News:

    Source: United States Senator for Wisconsin Tammy Baldwin
    WASHINGTON, D.C. – Today, U.S. Senators Tammy Baldwin (D-WI) and Joni Ernst (R-IA) introduced the Farmers First Act of 2025, bipartisan legislation to address the mental health epidemic in rural America and expand access to critical mental health care for our nation’s agricultural communities. The legislation would increase support for the Farm and Ranch Stress Assistance Network (FRSAN), which Senators Baldwin and Senator Ernst successfully included in the 2018 Farm Bill.
    “Wisconsin’s farmers and ranchers work hard every day to keep their businesses running and our Made in Wisconsin agricultural economy moving forward. But too often, the stress, isolation, and physical demands of this job leave them with nowhere to turn when it all gets to be too much,” said Senator Baldwin. “I’m working to make sure our farmers and rural communities have the resources they need because no one should have to fight these battles alone.”
    “Iowa farmers work tirelessly from sunrise to sundown – rain or shine – to feed and fuel the world. Their work isn’t easy, and mental health issues, including suicide, are too common in our agriculture community, which is why I’m working to ensure farmers have better access to mental health resources,” said Senator Ernst.
    The Farmers First Act would reauthorize the FRSAN, a program that connects farmers, ranchers, and other agriculture workers to stress assistance programs and resources. Through FRSAN, state departments of agriculture, state extension services, and non-profits receive funding to establish helplines, provide suicide prevention training for farm advocates, and create support groups for farmers and farm workers. The Farmers First Act would increase funding for the program, authorizing $15 million per year for the program for the next five years, up from $10 million and allowing grantees to hire additional staff to support farmers, including behavioral health specialists to provide counseling to agricultural workers, and bolstering grantees’ efforts to address the unique needs of different farming populations, including Veteran farmers and farmers of color.
    The Senators are introducing the bill as suicide, mental health challenges, and stress are on the rise in agricultural and rural communities. Farmers are 3.5 times more likely to die by suicide than the general population, according to the National Rural Health Association. Four regional centers established through FRSAN are currently increasing access to farm stress services, including expanding access to hotlines, training Americans in rural areas to recognize the signs of depression, anxiety, or suicidal ideation, and creating support groups for farmworkers.
    In addition to Senators Baldwin and Ernst, the Farmers First Act of 2025 is co-sponsored in the Senate by Senators John Boozman (R-AR), Tina Smith (D-MN), and Susan Collins (R-ME). The bill was also introduced in the U.S. House by Representatives Randy Feenstra (R-IA-04) and Angie Craig (D-MN-02).
    The Farmers First Act is endorsed by National Farmers Union, National Rural Health Association, National Milk Producers Federation, Agriculture Retailers Association, The National Council, FarmFirst Dairy Cooperative, Organic Trade Association, American Psychological Association Services, NCBA CLUSA, Farm Credit Council, National Association of State Departments of Agriculture, Organic Farmers Association, National Pork Producers Council, American Soybean Association, Midwest Dairy Coalition, Farm Aid, National Association of Wheat Growers, National Corn Growers Association, Northeast Organic Dairy Producers Alliance, Sustainable Food Policy Alliance, National Sustainable Agriculture Coalition, National Organic Coalition, Farmer Veteran Coalition, and American Farm Bureau Federation.
    “From trade uncertainty to labor shortages and natural disasters, many stressors are weighing heavily on the minds of farmers and ranchers. Resources supported through the Farm and Ranch Stress Assistance Network are more critical now than at any time in recent memory. Farm Bureau appreciates Representatives Craig and Feenstra, as well as Senators Baldwin and Ernst for their tireless commitment to supporting farmer and rancher mental health across the country,” said Sam Kieffer, Vice President, Public Policy, American Farm Bureau Federation.
    “Farming can be incredibly stressful, and too many rural communities still don’t have the mental health support they need,” said National Farmers Union President Rob Larew. “The Farmers First Act will help get essential resources to farmers who are struggling. We thank Senators Baldwin and Ernst and Representatives Feenstra and Craig for leading the charge and urge Congress to reauthorize FRSAN with increased funding.”
    “FarmFirst Dairy Cooperative is extremely appreciative of the work of Senator Tammy Baldwin, as well as others, in addressing the mounting mental health and wellness challenges facing our nations farmers. There are so many variables out of the control of the farmers that work hard to supply multiple facets to consumers. Volatility of markets, weather, regulations, and numerous other things out of their control and then add the lack of rural resources, makes this very important part of our world feeling vulnerable and alone. The Farmers First Act would make the access to resources easier and more financially viable for our nations farmers,” said the FarmFirst Dairy Cooperative.
    “The Farmer Veteran Coalition strongly supports the reauthorization of the Farmers First Act. Expanding and strengthening the Farm and Ranch Stress Assistance Network is essential to ensuring farmers, ranchers have access to the mental health resources they need to thrive. We commend Representatives Feenstra and Craig, as well as Senators Baldwin and Ernst, for their bipartisan leadership in prioritizing the well-being of those who feed our nation. This bill will provide critical support for agricultural producers facing stress, isolation, and mental health challenges, and we urge swift passage this Congress,” said Jeanette Lombardo, CEO, Farmer Veteran Coalition.
    “Farmers are daily facing the changing and unpredictable weather patterns that can devastate the best laid plans. They must deal with rising cost of inputs, uncertainty about trade, uncertainty about support services, uncertainty about the role of the USDA and managing difficult financial decisions against a backdrop of uncertainty around the domestic economy. Organic dairy farmers care for the environment, care for their livestock and for the health and welfare of their family and their customers every day. Dairy farming is many times a solitary occupation and farmers need access to all the resources possible to deal with the stress and uncertainty in their lives. We wholeheartedly support the Farmers First Act and all the assistance it can provide to care for our farm families,” said Ed Maltby, Executive Director of the Northeast Organic Dairy Producers Alliance.
    “Farming and the financial insecurity associated with farming can be very stressful. Farmers dealing with stress-related mental health challenges often feel stigmatized if they seek help, which only compounds the problem. We applaud Representatives Feenstra (R-IA) and Craig (D-MN) and Senators Baldwin (D-WI) and Ernst (R-IA) for their bipartisan leadership in introducing the Farmers First Act to increase resources available to farmers and rural communities to address mental health challenges,” said Steve Etka, Policy Director, Midwest Dairy Coalition.
    “Ensuring sufficient access to evidence-based mental health services continues to be a challenge in many rural and agricultural communities, in many cases a challenge that has endured over generations,” said Arthur C. Evans Jr., CEO of the American Psychological Association Services, Inc. (APA Services). “The Farm and Ranch Stress Assistance Network program continues to be a lifeline to many of these communities. APA Services applauds Representatives Feenstra and Craig and Senators Baldwin and Ernst for their efforts to ensure adequate mental health resources in rural communities, and we ask Congress to swiftly enact the Farmers First Act.”
    “Farmers and ranchers across the United States face unique and extreme stresses in their work to feed, fuel, and clothe the world. NASDA applauds the bipartisan Farmers First Act, which bolsters access to critical mental health resources through the Farm and Ranch Stress Assistance Network. State departments of agriculture play an important role in coordinating FRSAN operations and NASDA looks forward to continuing to support these invaluable activities,” said NASDA CEO, Ted McKinney.
    “Farming is a stressful job, even in good times, and rural residents often face unique barriers to seeking mental health care,” said Christy Seyfert, Farm Credit Council president and CEO. “FRSAN brings valuable stress assistance services and expertise to the farm and ranch communities most in need of resources. Farm Credit commends Ranking Member Craig, Representative Feenstra, and Senators Baldwin and Ernst for their leadership on the Farmers First Act.”
    “Farmers face incredible stressors in their day-to-day work and often feel as though the weight of the world rests on their shoulders as they navigate tough times while maintaining farms that have been passed down through multiple generations of family members,” said Kenneth Hartman Jr, National Corn Growers Association President. “Yet, they often find it hard to access the mental health tools they need to cope with these challenges. That’s why we are deeply appreciating for the sponsors of this legislation for working to extend mental health resources to growers through this important legislation.”
    “The Farm and Ranch Stress Assistance Network helps provide essential support to our nation’s producers,” said Doug O’Brien, President and CEO of the National Cooperative Business Association. “The National Cooperative Business Association applauds the bipartisan leadership to increase access to mental health services for rural communities while providing a critical lifeline to our farmers and ranchers.”
    A one-pager on this legislation can be found here. Full text of the bill is available here.

    MIL OSI USA News –

    July 16, 2025
  • NHAI releases second sustainability report, showcases green milestones

    Source: Government of India

    Source: Government of India (4)

    The National Highways Authority of India (NHAI) has released its second consecutive Sustainability Report for the financial year 2023–24, reaffirming its strong commitment towards environmental sustainability and responsible infrastructure development.

    The report, launched by Union Minister for Road Transport and Highways Nitin Gadkari, highlights NHAI’s integrated framework for Environmental, Social, and Governance (ESG) practices and its alignment with India’s global commitments under the Mission LiFE (Lifestyle for Environment) initiative and the vision of Hon’ble Prime Minister Shri Narendra Modi for a sustainable future.

    Despite a 20% rise in National Highway construction in FY 2023–24, NHAI has successfully reduced its Greenhouse Gas (GHG) Emissions Intensity from 1.0 MTCO2e/km to 0.8 MTCO2e/km, indicating a clear decoupling of construction growth from emissions.

    Promoting a circular economy remains central to NHAI’s efforts. In the reporting year, more than 631 lakh metric tonnes of recycled and reused materials — including fly ash, plastic waste, and reclaimed asphalt — were utilized in highway construction.

    Afforestation and plantation have also received a major push. Over 56 lakh saplings were planted in FY 2023–24 and 67.47 lakh saplings have already been planted in 2024–25, taking the total tree plantation count to over 4.69 crore since the rollout of the Green Highways Policy, 2015. This large-scale plantation has helped create substantial carbon sinks and enhanced the environmental balance along India’s highways.

    The report also documents NHAI’s conservation initiatives under the Amrit Sarovar Mission, with 467 water bodies rejuvenated across the country. These efforts have revitalised local water resources and supplied nearly 2.4 crore cubic metres of soil for road construction, yielding estimated savings of around ₹16,690 crore.

    Water use intensity in water-stressed regions has dropped by 74% compared to previous levels. Additionally, the authority has implemented best practices to mitigate the impact of highways on wildlife and minimise man-animal conflicts.

    On the social front, NHAI has reinforced inclusive and safe work practices. All direct employees and contract workers are now covered under the Occupational Health and Safety (OHS) Management Framework. The organisation also recorded zero instances of workplace discrimination, underlining its commitment to diversity and equity.

    Technology has played a crucial role in these achievements. The AI-driven Data Lake 3.0 platform has streamlined project management and helped resolve 155 conciliation claims, resulting in an estimated saving of about ₹25,680 crore. The widespread adoption of FASTag, with a penetration rate of 98.5%, has further reduced congestion at toll plazas, cutting vehicular emissions and the overall carbon footprint.

    July 16, 2025
  • NHAI releases second sustainability report, showcases green milestones

    Source: Government of India

    Source: Government of India (4)

    The National Highways Authority of India (NHAI) has released its second consecutive Sustainability Report for the financial year 2023–24, reaffirming its strong commitment towards environmental sustainability and responsible infrastructure development.

    The report, launched by Union Minister for Road Transport and Highways Nitin Gadkari, highlights NHAI’s integrated framework for Environmental, Social, and Governance (ESG) practices and its alignment with India’s global commitments under the Mission LiFE (Lifestyle for Environment) initiative and the vision of Hon’ble Prime Minister Shri Narendra Modi for a sustainable future.

    Despite a 20% rise in National Highway construction in FY 2023–24, NHAI has successfully reduced its Greenhouse Gas (GHG) Emissions Intensity from 1.0 MTCO2e/km to 0.8 MTCO2e/km, indicating a clear decoupling of construction growth from emissions.

    Promoting a circular economy remains central to NHAI’s efforts. In the reporting year, more than 631 lakh metric tonnes of recycled and reused materials — including fly ash, plastic waste, and reclaimed asphalt — were utilized in highway construction.

    Afforestation and plantation have also received a major push. Over 56 lakh saplings were planted in FY 2023–24 and 67.47 lakh saplings have already been planted in 2024–25, taking the total tree plantation count to over 4.69 crore since the rollout of the Green Highways Policy, 2015. This large-scale plantation has helped create substantial carbon sinks and enhanced the environmental balance along India’s highways.

    The report also documents NHAI’s conservation initiatives under the Amrit Sarovar Mission, with 467 water bodies rejuvenated across the country. These efforts have revitalised local water resources and supplied nearly 2.4 crore cubic metres of soil for road construction, yielding estimated savings of around ₹16,690 crore.

    Water use intensity in water-stressed regions has dropped by 74% compared to previous levels. Additionally, the authority has implemented best practices to mitigate the impact of highways on wildlife and minimise man-animal conflicts.

    On the social front, NHAI has reinforced inclusive and safe work practices. All direct employees and contract workers are now covered under the Occupational Health and Safety (OHS) Management Framework. The organisation also recorded zero instances of workplace discrimination, underlining its commitment to diversity and equity.

    Technology has played a crucial role in these achievements. The AI-driven Data Lake 3.0 platform has streamlined project management and helped resolve 155 conciliation claims, resulting in an estimated saving of about ₹25,680 crore. The widespread adoption of FASTag, with a penetration rate of 98.5%, has further reduced congestion at toll plazas, cutting vehicular emissions and the overall carbon footprint.

    July 16, 2025
  • MIL-OSI USA: Strickland Tackles Extreme Heat and Modernizes Transit Corridors 

    Source: United States House of Representatives – Congresswoman Marilyn Strickland (WA-10)

    Washington, D.C. – Today, Congresswoman Marilyn Strickland (WA-10) and Congressman Mike Lawler (NY-17) introduced the Cool Corridors Act of 2025. The bipartisan legislation focuses on mitigating extreme heat in urban areas by investing in tree canopies and shade infrastructure along transit corridors, sidewalks, bus stops, school zones, and underserved neighborhoods. 

    “As temperatures climb and heatwaves become more severe, we must ensure our communities are equipped to stay cool, safe, and livable,” said Strickland. “My bill promotes smart investments to improve public health, improve our infrastructure, make our communities more walkable and resilient.” 

    “In the Lower Hudson Valley, extreme heat causes serious damage to our roads, sidewalks, and public spaces, impacting families’ daily routines and expenses during the hottest months of the year. This bill will cool down our streets and transit corridors, helping protect our infrastructure and create safer, more comfortable neighborhoods for everyone. By investing in public works projects now, we will save taxpayers’ money in the long run and improve the quality of life for our communities,” said Congressman Mike Lawler (NY-17), Co-Chair of the Extreme Heat Caucus. 

    “At Trust for Public Land, we know that access to nature isn’t a luxury — it’s a lifeline. That’s why we support this effort to reauthorize the Healthy Streets Program,” said Dr. Carrie Besnette Hauser, President and CEO of Trust for Public Land. “Through our work with communities across the country, we’ve witnessed the transformative power of trees, and how planting them in urban and rural neighborhoods alike results in added shade along with cleaner air, improved health outcomes, more local jobs, and documented protection from extreme temperatures and climate events.” 

    “Extreme heat is now the deadliest weather-related hazard in the U.S., and it’s only getting worse. Trees are one of our most effective defenses—especially in the places where people are most exposed, like sidewalks, transit corridors, and bus stops. The Cool Corridors Act delivers smart, science-based investments in shade where people need it most. It’s a practical, proven way to protect public health and create safer, more connected neighborhoods. Led by Representatives Strickland and Rep. Lawler, this is bipartisan leadership turning down the temperature on extreme heat. We thank them for the coolest legislation of the summer and for championing life-saving, locally driven solutions that communities urgently need,” said Joel Pannell, Vice President of Urban Policy, American Forests. 

    The Cool Corridors Act aims to improve public health outcomes by addressing urban heat islands, reducing air and noise pollution, and decreasing stormwater runoff. Additionally, it promotes local workforce development through urban forestry job training, preserves existing roadside vegetation, and strengthens long-term maintenance and climate resilience strategies.  

    The bill also calls for interagency coordination across the Departments of Transportation, Energy, Agriculture, Housing and Urban Development, and the Environmental Protection Agency. It ensures accountability through community engagement and robust data reporting on environmental and public health outcomes. 

    House Co-Sponsors include: Rep. Eleanor Holmes Norton (DC), Rep. Alma Adams (NC-12), Rep. Shri Thanedar (MI-13), Rep. Dina Titus (NV-01), Rep. Doris Matsui (CA-07), Rep. Emanuel Cleaver (MO-05), Rep. Steven Cohen (TN-09), Rep. Greg Stanton (AZ-04), Rep. Yassamin Ansari (AZ-03), Rep. Sylvia Garcia (TX-29), Rep. Mary Gay Scanlon (PA-05), Rep. Raul Ruiz (CA-25), Rep. Timothy Kennedy (NY-26), Josh Harder (CA-09). 

    You can read the full legislation here. 

    Congresswoman Marilyn Strickland (WA-10) serves on the House Armed Services Committee and the House Transportation and Infrastructure Committee. She is Whip of the New Democrat Coalition, Secretary of the Congressional Black Caucus, and is one of the first Korean-American women elected to Congress. 

    ###

    MIL OSI USA News –

    July 16, 2025
  • MIL-OSI: White River Bancshares Co. Reports Net Income of $3.30 million, or $1.34 Per Diluted Share, in 2Q25; Results Driven by Loan Growth and Net Interest Margin Expansion

    Source: GlobeNewswire (MIL-OSI)

    FAYETTEVILLE, Ark., July 15, 2025 (GLOBE NEWSWIRE) — White River Bancshares Company (OTCQX: WRIV) (the “Company”), the holding company for Signature Bank of Arkansas (the “Bank”), today reported net income increased to $3.30 million, or $1.34 per diluted share, in the second quarter of 2025, compared to $1.85 million, or $0.81 per diluted share, in the second quarter of 2024. The Company reported net income of $2.63 million, or $1.07 per diluted share, for the prior quarter. In the first six months of 2025, net income increased to $5.93 million, or $2.42 per diluted share, compared to $2.36 million, or $1.11 per diluted share, in the first six months of 2024. All financial results are unaudited and all per share data has been adjusted to reflect the two-for-one stock split effected September 4, 2024.

    “We had a strong second quarter—the most profitable quarter we’ve ever had,” said Gary Head, Chairman and CEO. “We have been blessed to have incredible loan growth throughout the history of our company, and we build on that momentum quarter after quarter. Our Signature Bank family is the best group of bankers I’ve been associated with in my 43-year banking career. Their teamwork and commitment to excellence consistently go above and beyond expectations.”

    “As a community bank, expanding our deposit base to support new loan growth is critical,” said Scott Sandlin, Chief Strategy Officer. “Our Bank has made deposit gathering a primary focus, and our team has done an outstanding job—deepening relationships with existing clients while also bringing in new customers. As a result, total deposits increased 4.0% during the second quarter of 2025 and 23.2% year-over-year. At quarter end, demand and non-interest bearing accounts represented 18.7% of total deposits, and savings and interest-bearing transaction accounts represented 38.4% of total deposits. We will continue to actively seek more opportunities to grow deposits in the coming quarters to meet the increasing demand for loans.”

    Second Quarter 2025 Financial Highlights:

    • Net income for the second quarter of 2025 increased to $3.30 million, or $1.34 per diluted share, compared to $1.85 million, or $0.81 per diluted share, in the second quarter of 2024.
    • Net interest income increased 31.7% to $11.9 million in the second quarter of 2025, compared to $9.0 million in the second quarter of 2024.
    • Net interest margin (“NIM”) increased 31 basis points to 3.56% in the second quarter of 2025, compared to 3.25% in the second quarter of 2024.
    • The Company recorded an $800,000 provision for credit losses in the second quarter of 2025, compared to a $432,000 provision for credit losses in the second quarter of 2024.
    • Net loans increased 21.6% to $1.194 billion at June 30, 2025, compared to $982.3 million at June 30, 2024.
    • Nonperforming loans represented 0.03% of total loans at June 30, 2025, compared to 0.00% a year ago.
    • Total deposits increased $235.3 million, or 23.2%, year-over-year, to $1.249 billion at June 30, 2025, compared to $1.014 billion at June 30, 2024.
    • Core deposits (demand and non-interest-bearing, savings and interest-bearing transaction accounts, CDs under $250,000 and CDARs reciprocal deposits) represented 70.10% of total deposits at June 30, 2025.
    • Tangible book value per common share was $41.17 at June 30, 2025, compared to $37.00 a year ago.

    Income Statement

    In the second quarter of 2025, the Company generated a return on average assets of 0.94% and a return on average equity of 12.62%, compared to 0.79% and 10.64%, respectively, in the first quarter of 2025 and 0.63% and 8.26%, respectively, in the second quarter of 2024.

    “Our second quarter net interest margin expanded by 17 basis points from the previous quarter and 31 basis points year-over-year, driven by loan growth and increased yields on our interest-earning assets,” said Brant Ward, President. NIM was 3.56% in the second quarter of 2025, compared to 3.39% in the first quarter of 2025, and 3.25% in the second quarter of 2024. In the first six months of 2025, NIM expanded 37 basis points to 3.48%, compared to 3.11% in the first six months of 2024.

    Net interest income increased 31.7% to $11.9 million in the second quarter of 2025, compared to $9.0 million in the second quarter of 2024. The increase was primarily due to year-over-year loan growth. Total interest income increased 24.8% to $21.2 million in the second quarter of 2025, compared to $17.0 million in the second quarter of 2024, primarily attributable to the increase in loans. Total interest expense increased to $9.3 million in the second quarter of 2025, from $8.0 million in the second quarter of 2024, primarily due to an increase in deposit costs. In the first six months of 2025, net interest income increased 31.9% to $22.5 million, compared to $17.1 million in the first six months of 2024.

    Noninterest income increased 7.9% to $2.1 million in the second quarter of 2025, compared to $1.9 million in the second quarter of 2024. The increase was primarily due to an increase in secondary market fee income, which more than offset the decrease in wealth management fee income during the second quarter of 2025. In the first six months of 2025, noninterest income increased 14.5% to $4.0 million, compared to $3.5 million in the first six months of 2024.

    Noninterest expense was $8.9 million in the second quarter of 2025, compared to $8.1 million in the second quarter of 2024, as expenses have normalized following the investment in expanding the Company’s market presence over the past few years. In the first six months of the year, noninterest expense increased 6.0% to $17.4 million, compared to $16.4 million in the first six months of 2024.

    Balance Sheet

    Total assets increased 18.4% to $1.434 billion at June 30, 2025, from $1.211 billion at June 30, 2024, and increased 4.0% compared to $1.379 billion at March 31, 2025. Cash and cash equivalents totaled $25.6 million at June 30, 2025, compared to $49.5 million a year ago. Investment securities totaled $140.5 million at June 30, 2025, an increase from $115.5 million at June 30, 2024.

    Loans, net of allowance for credit losses, increased 21.6% to $1.194 billion at June 30, 2025, compared to $982.3 million at June 30, 2024, and increased 5.9% compared to $1.128 billion at March 31, 2025.

    Total deposits increased 23.2% to $1.249 billion at June 30, 2025, compared to $1.014 billion at June 30, 2024, and increased 4.0% compared to $1.201 billion at March 31, 2025. Demand and non-interest-bearing deposits decreased less than 1% compared to June 30, 2024, while savings and interest-bearing transaction accounts increased 37.6% compared to June 30, 2024.

    FHLB advances were $21.5 million at June 30, 2025, compared to $54.3 million at June 30, 2024, and $21.6 million at March 31, 2025. Total stockholders’ equity increased to $102.5 million at June 30, 2025, compared to $92.0 million at June 30, 2024, and $100.5 million at March 31, 2025. Tangible book value per common share was $41.17 at June 30, 2025, compared to $37.00 at June 30, 2024, and $40.33 at March 31, 2025.

    Credit Quality

    Due to strong quarterly loan growth, the Company recorded an $800,000 provision for credit losses in the second quarter of 2025. This is compared to a $670,000 provision for credit losses in the first quarter of 2025, and a $432,000 provision for credit losses in the second quarter of 2024.

    There were $365,000 in nonperforming loans at June 30, 2025. This compared to $420,000 in nonperforming loans at March 31, 2025, and $32,000 in nonperforming loans at June 30, 2024. Nonperforming loans represented 0.03% of total loans on June 30, 2025, 0.04% of total loans on March 31, 2025, and 0.00% of total loans a year ago.

    “We remain conservative in building our credit loss reserves, continually reviewing our loan mix, assessing growth trends, and factoring in both regional and national economic conditions to ensure our allowance remains appropriately calibrated,” said Jeff Maland, Chief Risk Officer. The allowance for credit losses was $14.0 million, or 1.16% of total loans, at June 30, 2025, compared to $13.3 million, or 1.17% of total loans, at March 31, 2025, and $12.4 million, or 1.25% of total loans, at June 30, 2024.

    Net loan recoveries were $11,000 in the second quarter of 2025. This compared to net loan charge-offs of $137,000 in the first quarter of 2025, and net loan charge-offs of $111,000 in the second quarter of 2024.

    Capital

    The Bank’s capital ratios continued to exceed regulatory “well-capitalized” requirements, with a Total risk-based capital ratio estimate of 11.69%, a Tier 1 ratio of 10.44%, and a Leverage ratio of 9.12% for the Bank at June 30, 2025.

    About White River Bancshares Company

    White River Bancshares Company is the single bank holding company for Signature Bank of Arkansas, headquartered in Fayetteville, Arkansas. The Bank has locations in Fayetteville, Springdale, Bentonville, Rogers, Brinkley, Harrison and Jonesboro, Arkansas. Founded in 2005, Signature Bank of Arkansas provides a full line of financial services to small businesses, families and farms. White River Bancshares Company (OTCQX: WRIV), trades on the OTCQX® Best Market.  

    In the second quarter of 2025, the Signature Bank celebrated its 20-year anniversary of service to its Arkansas communities. In tandem with the celebration, the organization updated its mission statement:
    We are committed to being a trusted local bank for business owners, individuals, and families who seek personalized service from people they know. Our mission is to empower our customers to strengthen their connections through every interaction, ensuring that their dollars are reinvested locally to support the growth and prosperity of the community we share. We have a passion for preserving the traditions of community banking as we embrace the power of technology.

    About the Region

    White River Bancshares Company is headquartered in thriving Northwest Arkansas in the Fayetteville-Springdale-Rogers MSA. The region is home to the corporate headquarters for Walmart Stores Inc, Sam’s Club, Tyson Foods, Simmons Foods, and J.B. Hunt Transport. Hundreds of other market-leading companies including Procter & Gamble, Johnson & Johnson, Coca-Cola and Rubbermaid maintain offices in the region in order to maintain their relationships with the locally based Fortune 500 companies. Northwest Arkansas is also home to the state’s flagship public educational institution, The University of Arkansas, and its Sam M. Walton College of Business. The region has seen significant growth in its medical and arts infrastructures with the continued expansion of Washington Regional Medical System, Northwest Medical System, Mercy Health System of Northwest Arkansas and Arkansas Children’s Hospital Northwest. Crystal Bridges Museum of American Art and the Walton Arts Center have led the expansion of the arts. Northwest Arkansas has been repeatedly recognized in recent years as one of the best places to live in the country and remains one of the nation’s fastest-growing regions. In May 2024, Walmart issued a relocation mandate requiring most of its remote employees, as well as most of its office workers in Dallas, Atlanta and Toronto to move to, in most cases, Bentonville by November 1, 2024. While the company did not disclose a number, Bloomberg reported that the number of Walmart employees who would be moving to Bentonville would be in the thousands. Walmart is making a major investment in its hometown facilities, building a new, 350-acre headquarters campus, including walking and biking trails, a hotel, fitness facilities and a large childcare center.

    The Company has expanded eastward, with new markets in Jonesboro and Harrison. Jonesboro, located in Craighead County, is a city located on Crowley’s Ridge in the northeastern corner of Arkansas. It is the home of Arkansas State University and the cultural and economic center of Northeast Arkansas. Jonesboro also houses the region’s hospital network. U.S. Steel Corp. announced that it would locate a new $3 billion steel factory in Northeast Arkansas in Osceola, a move expected to create 900 jobs with an average pay over $100,000 annually, making it the largest capital investment project in Arkansas history. Harrison sits below Branson, Missouri, which is a family tourist destination and outdoor recreation, and is well known as an entertainment destination.

    The Company currently operates out of ten locations; three in Washington County; three in Benton County; two in Monroe County; one in Boone County; and one in Craighead County.

    The housing market in Washington and Benton counties remains robust. According to the Northwest Arkansas Board of Realtors, the average home in Washington County sold for $429,000 in May 2025, with an average of 97 days on the market. For Benton County, the average house sold for $461,000, with an average of 92 days on the market.

    Source:
    http://www.nwarealtors.org/market-statistics/

    Forward Looking Statements

    This press release contains statements about future events. These forward-looking statements, which are based on certain assumptions of management of the Company and the Bank and describe our future plans, strategies and expectations, can generally be identified by use of forward-looking terminology such as “may,” “will,” “believe,” “plan,” “expect,” “intend,” “anticipate,” “estimate,” “project,” or similar expressions or the negative of those terms. Our ability to predict results of future events and the actual effect of future plans or strategies are inherently uncertain, and actual results may differ materially from those predicted in such forward-looking statements. Factors that could have a material adverse effect on our operations and future prospects or that could affect the outcome of such forward-looking statements include, but are not limited to, changes in interest rates; the economic health of the local real estate market; general economic conditions; credit deterioration in our loan portfolio that would cause us to increase our allowance for loan losses; legislative or regulatory changes; technological developments; monetary and fiscal policies of the U.S. government, including policies of the U.S. Treasury and the Federal Reserve Board; the quality or composition of our loan and securities portfolios; demand for loan products in our market areas; deposit flows and costs of capital; competition; retention and recruitment of qualified personnel; demand for financial services in our market areas; and changes in accounting principles, policies, and guidelines. These risks and uncertainties should be considered in evaluating forward-looking statements, and undue reliance should not be placed on such statements. The Company does not undertake and specifically declines any obligation to publicly release the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

    Contact: Scott Sandlin, Chief Strategy Officer
      479-684-3754
       
    WHITE RIVER BANCSHARES COMPANY
    CONSOLIDATED STATEMENTS OF INCOME
    (Unaudited)
                   
        For the Three Months Ended  
        June 30,   March 31,   June 30,  
          2025     2025     2024  
                   
    INTEREST INCOME              
    Loans, including fees   $ 19,611,698   $ 18,315,006   $ 15,763,452  
    Investment securities     1,431,773     1,258,571     1,083,415  
    Federal funds sold and other     175,917     232,978     162,250  
    Total interest income     21,219,388     19,806,555     17,009,117  
                   
    INTEREST EXPENSE              
    Deposits     8,538,199     8,312,455     7,106,512  
    Federal Home Loan Bank advances     296,860     393,057     448,263  
    Notes payable     477,735     475,425     398,017  
    Federal funds purchased and other     7,113     13,022     21,787  
    Total interest expense     9,319,907     9,193,959     7,974,579  
    NET INTEREST INCOME     11,899,481     10,612,596     9,034,538  
    Provision for credit losses     800,000     670,000     432,000  
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES     11,099,481     9,942,596     8,602,538  
                   
    NON-INTEREST INCOME              
    Service charges and fees on deposits     162,185     171,186     154,816  
    Wealth management fee income     994,100     1,017,829     1,065,553  
    Secondary market fee income     223,956     128,824     113,926  
    Bank owned-life insurance income     82,190     80,603     80,478  
    Gain on sales and write-downs of foreclosed assets     15,475     –     326  
    Other     616,667     544,141     527,064  
    TOTAL NON-INTEREST INCOME     2,094,573     1,942,583     1,942,163  
                   
    NON-INTEREST EXPENSE              
    Salaries and benefits     5,185,716     4,931,692     4,784,556  
    Occupancy and equipment     1,189,886     1,145,101     936,818  
    Data processing     857,198     858,115     704,080  
    Marketing and business development     609,549     397,137     473,618  
    Professional services     699,968     650,708     617,890  
    Amortization of other intangible assets     53,037     53,036     53,037  
    Other     326,224     393,498     494,203  
    TOTAL NON-INTEREST EXPENSE     8,921,578     8,429,287     8,064,202  
                   
    Income before income taxes     4,272,476     3,455,892     2,480,499  
    Income tax provision     974,775     826,085     631,462  
    NET INCOME   $ 3,297,701   $ 2,629,807   $ 1,849,037  
                   
    EARNINGS PER SHARE              
    Basic (1)   $ 1.35   $ 1.07   $ 0.81  
    Diluted (1)   $ 1.34   $ 1.07   $ 0.81  
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
           
    WHITE RIVER BANCSHARES COMPANY  
    CONSOLIDATED STATEMENTS OF INCOME  
    (Unaudited)  
                 
          Six Months Ended  
          June 30,  
          2025   2024  
                 
    INTEREST INCOME            
    Loans, including fees     $ 37,926,704   $ 30,758,374  
    Investment securities       2,690,344     2,012,455  
    Federal funds sold and other       408,895     258,404  
    Total Interest Income       41,025,943     33,029,233  
                 
    INTEREST EXPENSE            
    Deposits       16,850,654     14,091,305  
    Federal Home Loan Bank advances       689,917     968,582  
    Notes payable       953,160     796,034  
    Federal funds purchased and other       20,135     100,047  
    Total interest expense       18,513,866     15,955,968  
    NET INTEREST INCOME       22,512,077     17,073,265  
    Provision for credit losses       1,470,000     1,080,000  
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES       21,042,077     15,993,265  
                 
    NON-INTEREST INCOME            
    Service charges and fees on deposits       333,371     305,165  
    Wealth management fee income       2,011,929     1,911,059  
    Secondary market fee income       352,780     170,990  
    Bank owned life insurance income       162,793     160,359  
    Gain on sales and write-downs of foreclosed assets       15,475     1,376  
    Other       1,160,808     976,319  
    TOTAL NON-INTEREST INCOME       4,037,156     3,525,268  
                 
    NON-INTEREST EXPENSE            
    Salaries and benefits       10,117,408     9,784,089  
    Occupancy and equipment       2,334,987     1,864,942  
    Data processing       1,715,313     1,494,649  
    Marketing and business development       1,006,686     937,315  
    Professional services       1,350,676     1,287,757  
    Amortization of intangible asset       106,073     106,073  
    Other       719,722     898,039  
    TOTAL NON-INTEREST EXPENSE       17,350,865     16,372,864  
                 
    Income before income taxes       7,728,368     3,145,669  
    Income tax provision       1,800,860     787,404  
    NET INCOME     $ 5,927,508   $ 2,358,265  
                 
    EARNINGS PER SHARE            
    Basic (1)     $ 2.42   $ 1.11  
    Diluted (1)     $ 2.42   $ 1.11  
                 
      (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                 
    WHITE RIVER BANCSHARES COMPANY  
    CONSOLIDATED BALANCE SHEETS  
    (Unaudited)  
                   
        June 30, 2025   March 31, 2025   June 30, 2024  
                   
    ASSETS                      
    Cash and cash equivalents   $ 25,604,276     $ 48,360,156     $ 49,495,763    
    Investment securities     140,544,711       134,968,153       115,526,915    
    Loans held for sale     2,442,642       874,009       997,907    
    Loans     1,208,102,220       1,141,369,199       994,754,063    
    Allowance for credit losses     (14,033,740 )     (13,347,855 )     (12,434,130 )  
    Net loans     1,194,068,480       1,128,021,344       982,319,933    
    Premises and equipment, net     37,411,490       35,647,835       30,442,837    
    Foreclosed assets held for sale     –       310,406       777,606    
    Accrued interest receivable     7,024,823       6,629,881       5,433,391    
    Bank owned life insurance     9,942,100       9,859,911       9,614,851    
    Deferred income taxes     4,522,795       4,220,559       4,788,942    
    Other investments     7,925,019       6,782,614       8,094,125    
    Intangible assets, net     1,697,167       1,750,204       1,909,313    
    Other assets     2,783,012       1,825,830       1,733,790    
    TOTAL ASSETS   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
                   
    LIABILITIES & STOCKHOLDERS’ EQUITY                      
    Deposits:              
    Demand and non-interest-bearing   $ 233,078,431     $ 231,331,391     $ 233,230,007    
    Savings and interest-bearing transaction accounts     479,532,136       456,733,576       348,391,562    
    Time deposits     536,591,123       512,882,444       432,248,979    
    Total deposits     1,249,201,690       1,200,947,411       1,013,870,548    
    Federal Home Loan Bank advances     21,518,084       21,593,143       54,314,495    
    Notes payable     26,159,110       26,141,832       26,090,002    
    Operating lease liability     21,918,414       20,029,714       15,930,503    
    Reserve for losses on unfunded commitments     1,603,000       1,478,000       1,433,000    
    Accrued interest payable     2,636,403       2,731,699       2,714,687    
    Other liabilities     8,433,777       5,798,159       4,745,292    
    TOTAL LIABILITIES     1,331,470,478       1,278,719,958       1,119,098,527    
                   
    Stockholders’ equity:              
    Common stock (1)     24,876       24,882       24,698    
    Surplus (1)     102,893,483       102,784,831       102,457,705    
    Retained earnings (accumulated deficit)     6,787,654       4,714,375       (2,484,500 )  
    Treasury stock, at cost     (1,284,359 )     (1,265,731 )     (1,132,905 )  
    Accumulated other comprehensive loss     (5,925,617 )     (5,727,413 )     (6,828,152 )  
    TOTAL STOCKHOLDERS’ EQUITY     102,496,037       100,530,944       92,036,846    
                   
    TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                   
    WHITE RIVER BANCSHARES COMPANY
    SUPPLEMENTAL INFORMATION
                   
        (Unaudited)  
        Three Months Ended  
        June 30,   March 31,   June 30,  
                   
    FOR THE PERIOD              
    Net income   $ 3,297,701     $ 2,629,807     $ 1,849,037    
    Net income before taxes     4,272,476       3,455,892       2,480,499    
    Dividends declared per share (1)     0.50       –       0.50    
                   
                   
    PERIOD END BALANCE              
    Total assets   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
    Total investments     140,544,711       134,968,153       115,526,915    
    Total loans, net     1,194,068,480       1,128,021,344       982,319,933    
    Allowance for credit losses     (14,033,740 )     (13,347,855 )     (12,434,131 )  
    Total deposits     1,249,201,690       1,200,947,411       1,013,870,548    
    Stockholders’ equity     102,496,037       100,530,944       92,036,846    
                   
                   
    RATIO ANALYSIS              
    Return on average assets (annualized)     0.94 %     0.79 %     0.63 %  
    Return on average equity (annualized)     12.62 %     10.64 %     8.26 %  
    Net loans/Deposits     95.59 %     93.93 %     96.89 %  
    Total Stockholders’ Equity/Total assets     7.15 %     7.29 %     7.60 %  
    Net loan losses/Total loans     -0.00 %     0.01 %     0.01 %  
    Uninsured & unpledged deposits     32.37 %     31.00 %     31.21 %  
                   
                   
    PER SHARE DATA              
    Shares outstanding (1)     2,448,246       2,449,317       2,435,700    
    Weighted average shares outstanding (1)     2,448,734       2,446,747       2,291,316    
    Diluted weighted average shares outstanding (1)     2,454,485       2,451,161       2,291,316    
    Basic earnings (1)   $ 1.35     $ 1.07     $ 0.81    
    Diluted earnings (1)     1.34       1.07       0.81    
    Book value (1)     41.87       41.04       37.79    
    Tangible book value (1)     41.17       40.33       37.00    
                   
                   
    ASSET QUALITY              
    Net (recoveries) charge-offs   $ (10,889 )   $ 136,970     $ 110,968    
    Classified assets     402,406       853,745       1,090,758    
    Nonperforming loans     364,853       419,985       32,054    
    Nonperforming assets     364,853       730,391       809,660    
    Total nonperforming loans/Total loans     0.03 %     0.04 %     0.00 %  
    Total nonperforming loans/Total assets     0.03 %     0.03 %     0.00 %  
    Total nonperforming assets/Total assets     0.03 %     0.05 %     0.07 %  
    Allowance for credit losses/Total loans     1.16 %     1.17 %     1.25 %  
                   
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                   
    WHITE RIVER BANCSHARES COMPANY  
    INTEREST INCOME AND EXPENSE  
    (Unaudited)  
                                           
        Three Months Ended  
        June 30,   March 31,   June 30,  
          2025       2025       2024    
        Average       Average   Average       Average   Average       Average  
        Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate  
                                           
    Interest-earning assets:                                      
    Federal funds sold and other   $ 15,102,485   $ 175,917   4.67 %   $ 23,287,989   $ 232,978   4.06 %   $ 11,798,448   $ 162,250   5.53 %  
    Investment securities available-for-sale (1)     138,229,178     1,289,470   3.74 %     133,405,472     1,208,821   3.67 %     114,427,481     941,900   3.31 %  
    Loans receivable     1,169,591,045     19,611,698   6.73 %     1,106,648,533     18,315,006   6.71 %     973,396,880     15,763,452   6.51 %  
    Total interest-earning assets     1,322,922,708   $ 21,077,085   6.39 %     1,263,341,994   $ 19,756,805   6.34 %     1,099,622,809   $ 16,867,602   6.17 %  
    Noninterest-earning assets     81,927,528             81,821,189             74,503,352          
    Total assets   $ 1,404,850,236           $ 1,345,163,183           $ 1,174,126,161          
    Interest-bearing liabilities:                                      
    Interest-bearing deposits   $ 985,435,006   $ 8,538,199   3.48 %   $ 937,669,969   $ 8,312,455   3.60 %   $ 770,303,642   $ 7,106,512   3.71 %  
    FHLB advances and federal funds purchased     26,552,308     303,973   4.59 %     36,654,930     406,079   4.49 %     40,440,625     470,050   4.67 %  
    Notes payable     26,150,819     477,735   7.33 %     26,131,761     475,425   7.38 %     25,506,601     398,017   6.28 %  
    Total interest-bearing liabilities     1,038,138,133   $ 9,319,907   3.60 %     1,000,456,660   $ 9,193,959   3.73 %     836,250,868   $ 7,974,579   3.84 %  
    Noninterest-bearing liabilities     261,876,451             244,466,979             247,820,333          
    Total liabilities     1,300,014,584             1,244,923,639             1,084,071,201          
    Stockholders’ equity     104,835,652             100,239,544             90,054,960          
    Total liabilities and stockholders’ equity   $ 1,404,850,236           $ 1,345,163,183           $ 1,174,126,161          
    Net interest-earning assets   $ 284,784,575           $ 262,885,334           $ 263,371,941          
    Net interest spread       $ 11,757,178   2.79 %       $ 10,562,846   2.61 %       $ 8,893,023   2.33 %  
    Net interest margin           3.56 %           3.39 %           3.25 %  
                                           
    (1 ) Excludes investments in bank stock (Federal Reserve Bank, Federal Home Loan Bank, and First National Bankers Bankshares).      
                                           
    WHITE RIVER BANCSHARES COMPANY  
    INTEREST INCOME AND EXPENSE  
    (Unaudited)  
                               
        Six Months Ended June 30,  
          2025       2024    
        Average       Average   Average       Average  
        Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate  
                               
    Interest-earning assets:                          
    Federal funds sold and other   $ 19,172,625   $ 408,895   4.30 %   $ 10,071,062   $ 258,404   5.16 %  
    Investment securities available-for-sale (1)     135,830,651     2,498,291   3.71 %     114,434,010     1,842,786   3.24 %  
    Loans receivable     1,138,293,665     37,926,704   6.72 %     967,102,566     30,758,374   6.40 %  
    Total interest-earning assets     1,293,296,941   $ 40,833,890   6.37 %     1,091,607,638   $ 32,859,564   6.05 %  
    Noninterest-earning assets     81,874,656             72,612,145          
    Total assets   $ 1,375,171,597           $ 1,164,219,783          
    Interest-bearing liabilities:                          
    Interest-bearing deposits   $ 961,684,434   $ 16,850,654   3.53 %   $ 766,601,621   $ 14,091,305   3.70 %  
    FHLB advances and federal funds purchased     31,575,711     710,052   4.53 %     45,594,923     1,068,629   4.71 %  
    Notes payable     26,141,343     953,160   7.35 %     25,500,463     796,034   6.28 %  
    Total interest-bearing liabilities     1,019,401,488   $ 18,513,866   3.66 %     837,697,007   $ 15,955,968   3.83 %  
    Noninterest-bearing liabilities     253,207,317             240,831,655          
    Total liabilities     1,272,608,805             1,078,528,662          
    Stockholders’ equity     102,562,792             85,691,121          
    Total liabilities and stockholders’ equity   $ 1,375,171,597           $ 1,164,219,783          
    Net interest-earning assets   $ 273,895,453           $ 253,910,631          
    Net interest spread       $ 22,320,024   2.70 %       $ 16,903,596   2.22 %  
    Net interest margin           3.48 %           3.11 %  
                               
    (1 )   Excludes investments in bank stock (Federal Reserve Bank, Federal Home Loan Bank, and First National Bankers Bankshares).
                               

    The MIL Network –

    July 16, 2025
  • MIL-OSI: White River Bancshares Co. Reports Net Income of $3.30 million, or $1.34 Per Diluted Share, in 2Q25; Results Driven by Loan Growth and Net Interest Margin Expansion

    Source: GlobeNewswire (MIL-OSI)

    FAYETTEVILLE, Ark., July 15, 2025 (GLOBE NEWSWIRE) — White River Bancshares Company (OTCQX: WRIV) (the “Company”), the holding company for Signature Bank of Arkansas (the “Bank”), today reported net income increased to $3.30 million, or $1.34 per diluted share, in the second quarter of 2025, compared to $1.85 million, or $0.81 per diluted share, in the second quarter of 2024. The Company reported net income of $2.63 million, or $1.07 per diluted share, for the prior quarter. In the first six months of 2025, net income increased to $5.93 million, or $2.42 per diluted share, compared to $2.36 million, or $1.11 per diluted share, in the first six months of 2024. All financial results are unaudited and all per share data has been adjusted to reflect the two-for-one stock split effected September 4, 2024.

    “We had a strong second quarter—the most profitable quarter we’ve ever had,” said Gary Head, Chairman and CEO. “We have been blessed to have incredible loan growth throughout the history of our company, and we build on that momentum quarter after quarter. Our Signature Bank family is the best group of bankers I’ve been associated with in my 43-year banking career. Their teamwork and commitment to excellence consistently go above and beyond expectations.”

    “As a community bank, expanding our deposit base to support new loan growth is critical,” said Scott Sandlin, Chief Strategy Officer. “Our Bank has made deposit gathering a primary focus, and our team has done an outstanding job—deepening relationships with existing clients while also bringing in new customers. As a result, total deposits increased 4.0% during the second quarter of 2025 and 23.2% year-over-year. At quarter end, demand and non-interest bearing accounts represented 18.7% of total deposits, and savings and interest-bearing transaction accounts represented 38.4% of total deposits. We will continue to actively seek more opportunities to grow deposits in the coming quarters to meet the increasing demand for loans.”

    Second Quarter 2025 Financial Highlights:

    • Net income for the second quarter of 2025 increased to $3.30 million, or $1.34 per diluted share, compared to $1.85 million, or $0.81 per diluted share, in the second quarter of 2024.
    • Net interest income increased 31.7% to $11.9 million in the second quarter of 2025, compared to $9.0 million in the second quarter of 2024.
    • Net interest margin (“NIM”) increased 31 basis points to 3.56% in the second quarter of 2025, compared to 3.25% in the second quarter of 2024.
    • The Company recorded an $800,000 provision for credit losses in the second quarter of 2025, compared to a $432,000 provision for credit losses in the second quarter of 2024.
    • Net loans increased 21.6% to $1.194 billion at June 30, 2025, compared to $982.3 million at June 30, 2024.
    • Nonperforming loans represented 0.03% of total loans at June 30, 2025, compared to 0.00% a year ago.
    • Total deposits increased $235.3 million, or 23.2%, year-over-year, to $1.249 billion at June 30, 2025, compared to $1.014 billion at June 30, 2024.
    • Core deposits (demand and non-interest-bearing, savings and interest-bearing transaction accounts, CDs under $250,000 and CDARs reciprocal deposits) represented 70.10% of total deposits at June 30, 2025.
    • Tangible book value per common share was $41.17 at June 30, 2025, compared to $37.00 a year ago.

    Income Statement

    In the second quarter of 2025, the Company generated a return on average assets of 0.94% and a return on average equity of 12.62%, compared to 0.79% and 10.64%, respectively, in the first quarter of 2025 and 0.63% and 8.26%, respectively, in the second quarter of 2024.

    “Our second quarter net interest margin expanded by 17 basis points from the previous quarter and 31 basis points year-over-year, driven by loan growth and increased yields on our interest-earning assets,” said Brant Ward, President. NIM was 3.56% in the second quarter of 2025, compared to 3.39% in the first quarter of 2025, and 3.25% in the second quarter of 2024. In the first six months of 2025, NIM expanded 37 basis points to 3.48%, compared to 3.11% in the first six months of 2024.

    Net interest income increased 31.7% to $11.9 million in the second quarter of 2025, compared to $9.0 million in the second quarter of 2024. The increase was primarily due to year-over-year loan growth. Total interest income increased 24.8% to $21.2 million in the second quarter of 2025, compared to $17.0 million in the second quarter of 2024, primarily attributable to the increase in loans. Total interest expense increased to $9.3 million in the second quarter of 2025, from $8.0 million in the second quarter of 2024, primarily due to an increase in deposit costs. In the first six months of 2025, net interest income increased 31.9% to $22.5 million, compared to $17.1 million in the first six months of 2024.

    Noninterest income increased 7.9% to $2.1 million in the second quarter of 2025, compared to $1.9 million in the second quarter of 2024. The increase was primarily due to an increase in secondary market fee income, which more than offset the decrease in wealth management fee income during the second quarter of 2025. In the first six months of 2025, noninterest income increased 14.5% to $4.0 million, compared to $3.5 million in the first six months of 2024.

    Noninterest expense was $8.9 million in the second quarter of 2025, compared to $8.1 million in the second quarter of 2024, as expenses have normalized following the investment in expanding the Company’s market presence over the past few years. In the first six months of the year, noninterest expense increased 6.0% to $17.4 million, compared to $16.4 million in the first six months of 2024.

    Balance Sheet

    Total assets increased 18.4% to $1.434 billion at June 30, 2025, from $1.211 billion at June 30, 2024, and increased 4.0% compared to $1.379 billion at March 31, 2025. Cash and cash equivalents totaled $25.6 million at June 30, 2025, compared to $49.5 million a year ago. Investment securities totaled $140.5 million at June 30, 2025, an increase from $115.5 million at June 30, 2024.

    Loans, net of allowance for credit losses, increased 21.6% to $1.194 billion at June 30, 2025, compared to $982.3 million at June 30, 2024, and increased 5.9% compared to $1.128 billion at March 31, 2025.

    Total deposits increased 23.2% to $1.249 billion at June 30, 2025, compared to $1.014 billion at June 30, 2024, and increased 4.0% compared to $1.201 billion at March 31, 2025. Demand and non-interest-bearing deposits decreased less than 1% compared to June 30, 2024, while savings and interest-bearing transaction accounts increased 37.6% compared to June 30, 2024.

    FHLB advances were $21.5 million at June 30, 2025, compared to $54.3 million at June 30, 2024, and $21.6 million at March 31, 2025. Total stockholders’ equity increased to $102.5 million at June 30, 2025, compared to $92.0 million at June 30, 2024, and $100.5 million at March 31, 2025. Tangible book value per common share was $41.17 at June 30, 2025, compared to $37.00 at June 30, 2024, and $40.33 at March 31, 2025.

    Credit Quality

    Due to strong quarterly loan growth, the Company recorded an $800,000 provision for credit losses in the second quarter of 2025. This is compared to a $670,000 provision for credit losses in the first quarter of 2025, and a $432,000 provision for credit losses in the second quarter of 2024.

    There were $365,000 in nonperforming loans at June 30, 2025. This compared to $420,000 in nonperforming loans at March 31, 2025, and $32,000 in nonperforming loans at June 30, 2024. Nonperforming loans represented 0.03% of total loans on June 30, 2025, 0.04% of total loans on March 31, 2025, and 0.00% of total loans a year ago.

    “We remain conservative in building our credit loss reserves, continually reviewing our loan mix, assessing growth trends, and factoring in both regional and national economic conditions to ensure our allowance remains appropriately calibrated,” said Jeff Maland, Chief Risk Officer. The allowance for credit losses was $14.0 million, or 1.16% of total loans, at June 30, 2025, compared to $13.3 million, or 1.17% of total loans, at March 31, 2025, and $12.4 million, or 1.25% of total loans, at June 30, 2024.

    Net loan recoveries were $11,000 in the second quarter of 2025. This compared to net loan charge-offs of $137,000 in the first quarter of 2025, and net loan charge-offs of $111,000 in the second quarter of 2024.

    Capital

    The Bank’s capital ratios continued to exceed regulatory “well-capitalized” requirements, with a Total risk-based capital ratio estimate of 11.69%, a Tier 1 ratio of 10.44%, and a Leverage ratio of 9.12% for the Bank at June 30, 2025.

    About White River Bancshares Company

    White River Bancshares Company is the single bank holding company for Signature Bank of Arkansas, headquartered in Fayetteville, Arkansas. The Bank has locations in Fayetteville, Springdale, Bentonville, Rogers, Brinkley, Harrison and Jonesboro, Arkansas. Founded in 2005, Signature Bank of Arkansas provides a full line of financial services to small businesses, families and farms. White River Bancshares Company (OTCQX: WRIV), trades on the OTCQX® Best Market.  

    In the second quarter of 2025, the Signature Bank celebrated its 20-year anniversary of service to its Arkansas communities. In tandem with the celebration, the organization updated its mission statement:
    We are committed to being a trusted local bank for business owners, individuals, and families who seek personalized service from people they know. Our mission is to empower our customers to strengthen their connections through every interaction, ensuring that their dollars are reinvested locally to support the growth and prosperity of the community we share. We have a passion for preserving the traditions of community banking as we embrace the power of technology.

    About the Region

    White River Bancshares Company is headquartered in thriving Northwest Arkansas in the Fayetteville-Springdale-Rogers MSA. The region is home to the corporate headquarters for Walmart Stores Inc, Sam’s Club, Tyson Foods, Simmons Foods, and J.B. Hunt Transport. Hundreds of other market-leading companies including Procter & Gamble, Johnson & Johnson, Coca-Cola and Rubbermaid maintain offices in the region in order to maintain their relationships with the locally based Fortune 500 companies. Northwest Arkansas is also home to the state’s flagship public educational institution, The University of Arkansas, and its Sam M. Walton College of Business. The region has seen significant growth in its medical and arts infrastructures with the continued expansion of Washington Regional Medical System, Northwest Medical System, Mercy Health System of Northwest Arkansas and Arkansas Children’s Hospital Northwest. Crystal Bridges Museum of American Art and the Walton Arts Center have led the expansion of the arts. Northwest Arkansas has been repeatedly recognized in recent years as one of the best places to live in the country and remains one of the nation’s fastest-growing regions. In May 2024, Walmart issued a relocation mandate requiring most of its remote employees, as well as most of its office workers in Dallas, Atlanta and Toronto to move to, in most cases, Bentonville by November 1, 2024. While the company did not disclose a number, Bloomberg reported that the number of Walmart employees who would be moving to Bentonville would be in the thousands. Walmart is making a major investment in its hometown facilities, building a new, 350-acre headquarters campus, including walking and biking trails, a hotel, fitness facilities and a large childcare center.

    The Company has expanded eastward, with new markets in Jonesboro and Harrison. Jonesboro, located in Craighead County, is a city located on Crowley’s Ridge in the northeastern corner of Arkansas. It is the home of Arkansas State University and the cultural and economic center of Northeast Arkansas. Jonesboro also houses the region’s hospital network. U.S. Steel Corp. announced that it would locate a new $3 billion steel factory in Northeast Arkansas in Osceola, a move expected to create 900 jobs with an average pay over $100,000 annually, making it the largest capital investment project in Arkansas history. Harrison sits below Branson, Missouri, which is a family tourist destination and outdoor recreation, and is well known as an entertainment destination.

    The Company currently operates out of ten locations; three in Washington County; three in Benton County; two in Monroe County; one in Boone County; and one in Craighead County.

    The housing market in Washington and Benton counties remains robust. According to the Northwest Arkansas Board of Realtors, the average home in Washington County sold for $429,000 in May 2025, with an average of 97 days on the market. For Benton County, the average house sold for $461,000, with an average of 92 days on the market.

    Source:
    http://www.nwarealtors.org/market-statistics/

    Forward Looking Statements

    This press release contains statements about future events. These forward-looking statements, which are based on certain assumptions of management of the Company and the Bank and describe our future plans, strategies and expectations, can generally be identified by use of forward-looking terminology such as “may,” “will,” “believe,” “plan,” “expect,” “intend,” “anticipate,” “estimate,” “project,” or similar expressions or the negative of those terms. Our ability to predict results of future events and the actual effect of future plans or strategies are inherently uncertain, and actual results may differ materially from those predicted in such forward-looking statements. Factors that could have a material adverse effect on our operations and future prospects or that could affect the outcome of such forward-looking statements include, but are not limited to, changes in interest rates; the economic health of the local real estate market; general economic conditions; credit deterioration in our loan portfolio that would cause us to increase our allowance for loan losses; legislative or regulatory changes; technological developments; monetary and fiscal policies of the U.S. government, including policies of the U.S. Treasury and the Federal Reserve Board; the quality or composition of our loan and securities portfolios; demand for loan products in our market areas; deposit flows and costs of capital; competition; retention and recruitment of qualified personnel; demand for financial services in our market areas; and changes in accounting principles, policies, and guidelines. These risks and uncertainties should be considered in evaluating forward-looking statements, and undue reliance should not be placed on such statements. The Company does not undertake and specifically declines any obligation to publicly release the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

    Contact: Scott Sandlin, Chief Strategy Officer
      479-684-3754
       
    WHITE RIVER BANCSHARES COMPANY
    CONSOLIDATED STATEMENTS OF INCOME
    (Unaudited)
                   
        For the Three Months Ended  
        June 30,   March 31,   June 30,  
          2025     2025     2024  
                   
    INTEREST INCOME              
    Loans, including fees   $ 19,611,698   $ 18,315,006   $ 15,763,452  
    Investment securities     1,431,773     1,258,571     1,083,415  
    Federal funds sold and other     175,917     232,978     162,250  
    Total interest income     21,219,388     19,806,555     17,009,117  
                   
    INTEREST EXPENSE              
    Deposits     8,538,199     8,312,455     7,106,512  
    Federal Home Loan Bank advances     296,860     393,057     448,263  
    Notes payable     477,735     475,425     398,017  
    Federal funds purchased and other     7,113     13,022     21,787  
    Total interest expense     9,319,907     9,193,959     7,974,579  
    NET INTEREST INCOME     11,899,481     10,612,596     9,034,538  
    Provision for credit losses     800,000     670,000     432,000  
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES     11,099,481     9,942,596     8,602,538  
                   
    NON-INTEREST INCOME              
    Service charges and fees on deposits     162,185     171,186     154,816  
    Wealth management fee income     994,100     1,017,829     1,065,553  
    Secondary market fee income     223,956     128,824     113,926  
    Bank owned-life insurance income     82,190     80,603     80,478  
    Gain on sales and write-downs of foreclosed assets     15,475     –     326  
    Other     616,667     544,141     527,064  
    TOTAL NON-INTEREST INCOME     2,094,573     1,942,583     1,942,163  
                   
    NON-INTEREST EXPENSE              
    Salaries and benefits     5,185,716     4,931,692     4,784,556  
    Occupancy and equipment     1,189,886     1,145,101     936,818  
    Data processing     857,198     858,115     704,080  
    Marketing and business development     609,549     397,137     473,618  
    Professional services     699,968     650,708     617,890  
    Amortization of other intangible assets     53,037     53,036     53,037  
    Other     326,224     393,498     494,203  
    TOTAL NON-INTEREST EXPENSE     8,921,578     8,429,287     8,064,202  
                   
    Income before income taxes     4,272,476     3,455,892     2,480,499  
    Income tax provision     974,775     826,085     631,462  
    NET INCOME   $ 3,297,701   $ 2,629,807   $ 1,849,037  
                   
    EARNINGS PER SHARE              
    Basic (1)   $ 1.35   $ 1.07   $ 0.81  
    Diluted (1)   $ 1.34   $ 1.07   $ 0.81  
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
           
    WHITE RIVER BANCSHARES COMPANY  
    CONSOLIDATED STATEMENTS OF INCOME  
    (Unaudited)  
                 
          Six Months Ended  
          June 30,  
          2025   2024  
                 
    INTEREST INCOME            
    Loans, including fees     $ 37,926,704   $ 30,758,374  
    Investment securities       2,690,344     2,012,455  
    Federal funds sold and other       408,895     258,404  
    Total Interest Income       41,025,943     33,029,233  
                 
    INTEREST EXPENSE            
    Deposits       16,850,654     14,091,305  
    Federal Home Loan Bank advances       689,917     968,582  
    Notes payable       953,160     796,034  
    Federal funds purchased and other       20,135     100,047  
    Total interest expense       18,513,866     15,955,968  
    NET INTEREST INCOME       22,512,077     17,073,265  
    Provision for credit losses       1,470,000     1,080,000  
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES       21,042,077     15,993,265  
                 
    NON-INTEREST INCOME            
    Service charges and fees on deposits       333,371     305,165  
    Wealth management fee income       2,011,929     1,911,059  
    Secondary market fee income       352,780     170,990  
    Bank owned life insurance income       162,793     160,359  
    Gain on sales and write-downs of foreclosed assets       15,475     1,376  
    Other       1,160,808     976,319  
    TOTAL NON-INTEREST INCOME       4,037,156     3,525,268  
                 
    NON-INTEREST EXPENSE            
    Salaries and benefits       10,117,408     9,784,089  
    Occupancy and equipment       2,334,987     1,864,942  
    Data processing       1,715,313     1,494,649  
    Marketing and business development       1,006,686     937,315  
    Professional services       1,350,676     1,287,757  
    Amortization of intangible asset       106,073     106,073  
    Other       719,722     898,039  
    TOTAL NON-INTEREST EXPENSE       17,350,865     16,372,864  
                 
    Income before income taxes       7,728,368     3,145,669  
    Income tax provision       1,800,860     787,404  
    NET INCOME     $ 5,927,508   $ 2,358,265  
                 
    EARNINGS PER SHARE            
    Basic (1)     $ 2.42   $ 1.11  
    Diluted (1)     $ 2.42   $ 1.11  
                 
      (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                 
    WHITE RIVER BANCSHARES COMPANY  
    CONSOLIDATED BALANCE SHEETS  
    (Unaudited)  
                   
        June 30, 2025   March 31, 2025   June 30, 2024  
                   
    ASSETS                      
    Cash and cash equivalents   $ 25,604,276     $ 48,360,156     $ 49,495,763    
    Investment securities     140,544,711       134,968,153       115,526,915    
    Loans held for sale     2,442,642       874,009       997,907    
    Loans     1,208,102,220       1,141,369,199       994,754,063    
    Allowance for credit losses     (14,033,740 )     (13,347,855 )     (12,434,130 )  
    Net loans     1,194,068,480       1,128,021,344       982,319,933    
    Premises and equipment, net     37,411,490       35,647,835       30,442,837    
    Foreclosed assets held for sale     –       310,406       777,606    
    Accrued interest receivable     7,024,823       6,629,881       5,433,391    
    Bank owned life insurance     9,942,100       9,859,911       9,614,851    
    Deferred income taxes     4,522,795       4,220,559       4,788,942    
    Other investments     7,925,019       6,782,614       8,094,125    
    Intangible assets, net     1,697,167       1,750,204       1,909,313    
    Other assets     2,783,012       1,825,830       1,733,790    
    TOTAL ASSETS   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
                   
    LIABILITIES & STOCKHOLDERS’ EQUITY                      
    Deposits:              
    Demand and non-interest-bearing   $ 233,078,431     $ 231,331,391     $ 233,230,007    
    Savings and interest-bearing transaction accounts     479,532,136       456,733,576       348,391,562    
    Time deposits     536,591,123       512,882,444       432,248,979    
    Total deposits     1,249,201,690       1,200,947,411       1,013,870,548    
    Federal Home Loan Bank advances     21,518,084       21,593,143       54,314,495    
    Notes payable     26,159,110       26,141,832       26,090,002    
    Operating lease liability     21,918,414       20,029,714       15,930,503    
    Reserve for losses on unfunded commitments     1,603,000       1,478,000       1,433,000    
    Accrued interest payable     2,636,403       2,731,699       2,714,687    
    Other liabilities     8,433,777       5,798,159       4,745,292    
    TOTAL LIABILITIES     1,331,470,478       1,278,719,958       1,119,098,527    
                   
    Stockholders’ equity:              
    Common stock (1)     24,876       24,882       24,698    
    Surplus (1)     102,893,483       102,784,831       102,457,705    
    Retained earnings (accumulated deficit)     6,787,654       4,714,375       (2,484,500 )  
    Treasury stock, at cost     (1,284,359 )     (1,265,731 )     (1,132,905 )  
    Accumulated other comprehensive loss     (5,925,617 )     (5,727,413 )     (6,828,152 )  
    TOTAL STOCKHOLDERS’ EQUITY     102,496,037       100,530,944       92,036,846    
                   
    TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                   
    WHITE RIVER BANCSHARES COMPANY
    SUPPLEMENTAL INFORMATION
                   
        (Unaudited)  
        Three Months Ended  
        June 30,   March 31,   June 30,  
                   
    FOR THE PERIOD              
    Net income   $ 3,297,701     $ 2,629,807     $ 1,849,037    
    Net income before taxes     4,272,476       3,455,892       2,480,499    
    Dividends declared per share (1)     0.50       –       0.50    
                   
                   
    PERIOD END BALANCE              
    Total assets   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
    Total investments     140,544,711       134,968,153       115,526,915    
    Total loans, net     1,194,068,480       1,128,021,344       982,319,933    
    Allowance for credit losses     (14,033,740 )     (13,347,855 )     (12,434,131 )  
    Total deposits     1,249,201,690       1,200,947,411       1,013,870,548    
    Stockholders’ equity     102,496,037       100,530,944       92,036,846    
                   
                   
    RATIO ANALYSIS              
    Return on average assets (annualized)     0.94 %     0.79 %     0.63 %  
    Return on average equity (annualized)     12.62 %     10.64 %     8.26 %  
    Net loans/Deposits     95.59 %     93.93 %     96.89 %  
    Total Stockholders’ Equity/Total assets     7.15 %     7.29 %     7.60 %  
    Net loan losses/Total loans     -0.00 %     0.01 %     0.01 %  
    Uninsured & unpledged deposits     32.37 %     31.00 %     31.21 %  
                   
                   
    PER SHARE DATA              
    Shares outstanding (1)     2,448,246       2,449,317       2,435,700    
    Weighted average shares outstanding (1)     2,448,734       2,446,747       2,291,316    
    Diluted weighted average shares outstanding (1)     2,454,485       2,451,161       2,291,316    
    Basic earnings (1)   $ 1.35     $ 1.07     $ 0.81    
    Diluted earnings (1)     1.34       1.07       0.81    
    Book value (1)     41.87       41.04       37.79    
    Tangible book value (1)     41.17       40.33       37.00    
                   
                   
    ASSET QUALITY              
    Net (recoveries) charge-offs   $ (10,889 )   $ 136,970     $ 110,968    
    Classified assets     402,406       853,745       1,090,758    
    Nonperforming loans     364,853       419,985       32,054    
    Nonperforming assets     364,853       730,391       809,660    
    Total nonperforming loans/Total loans     0.03 %     0.04 %     0.00 %  
    Total nonperforming loans/Total assets     0.03 %     0.03 %     0.00 %  
    Total nonperforming assets/Total assets     0.03 %     0.05 %     0.07 %  
    Allowance for credit losses/Total loans     1.16 %     1.17 %     1.25 %  
                   
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                   
    WHITE RIVER BANCSHARES COMPANY  
    INTEREST INCOME AND EXPENSE  
    (Unaudited)  
                                           
        Three Months Ended  
        June 30,   March 31,   June 30,  
          2025       2025       2024    
        Average       Average   Average       Average   Average       Average  
        Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate  
                                           
    Interest-earning assets:                                      
    Federal funds sold and other   $ 15,102,485   $ 175,917   4.67 %   $ 23,287,989   $ 232,978   4.06 %   $ 11,798,448   $ 162,250   5.53 %  
    Investment securities available-for-sale (1)     138,229,178     1,289,470   3.74 %     133,405,472     1,208,821   3.67 %     114,427,481     941,900   3.31 %  
    Loans receivable     1,169,591,045     19,611,698   6.73 %     1,106,648,533     18,315,006   6.71 %     973,396,880     15,763,452   6.51 %  
    Total interest-earning assets     1,322,922,708   $ 21,077,085   6.39 %     1,263,341,994   $ 19,756,805   6.34 %     1,099,622,809   $ 16,867,602   6.17 %  
    Noninterest-earning assets     81,927,528             81,821,189             74,503,352          
    Total assets   $ 1,404,850,236           $ 1,345,163,183           $ 1,174,126,161          
    Interest-bearing liabilities:                                      
    Interest-bearing deposits   $ 985,435,006   $ 8,538,199   3.48 %   $ 937,669,969   $ 8,312,455   3.60 %   $ 770,303,642   $ 7,106,512   3.71 %  
    FHLB advances and federal funds purchased     26,552,308     303,973   4.59 %     36,654,930     406,079   4.49 %     40,440,625     470,050   4.67 %  
    Notes payable     26,150,819     477,735   7.33 %     26,131,761     475,425   7.38 %     25,506,601     398,017   6.28 %  
    Total interest-bearing liabilities     1,038,138,133   $ 9,319,907   3.60 %     1,000,456,660   $ 9,193,959   3.73 %     836,250,868   $ 7,974,579   3.84 %  
    Noninterest-bearing liabilities     261,876,451             244,466,979             247,820,333          
    Total liabilities     1,300,014,584             1,244,923,639             1,084,071,201          
    Stockholders’ equity     104,835,652             100,239,544             90,054,960          
    Total liabilities and stockholders’ equity   $ 1,404,850,236           $ 1,345,163,183           $ 1,174,126,161          
    Net interest-earning assets   $ 284,784,575           $ 262,885,334           $ 263,371,941          
    Net interest spread       $ 11,757,178   2.79 %       $ 10,562,846   2.61 %       $ 8,893,023   2.33 %  
    Net interest margin           3.56 %           3.39 %           3.25 %  
                                           
    (1 ) Excludes investments in bank stock (Federal Reserve Bank, Federal Home Loan Bank, and First National Bankers Bankshares).      
                                           
    WHITE RIVER BANCSHARES COMPANY  
    INTEREST INCOME AND EXPENSE  
    (Unaudited)  
                               
        Six Months Ended June 30,  
          2025       2024    
        Average       Average   Average       Average  
        Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate  
                               
    Interest-earning assets:                          
    Federal funds sold and other   $ 19,172,625   $ 408,895   4.30 %   $ 10,071,062   $ 258,404   5.16 %  
    Investment securities available-for-sale (1)     135,830,651     2,498,291   3.71 %     114,434,010     1,842,786   3.24 %  
    Loans receivable     1,138,293,665     37,926,704   6.72 %     967,102,566     30,758,374   6.40 %  
    Total interest-earning assets     1,293,296,941   $ 40,833,890   6.37 %     1,091,607,638   $ 32,859,564   6.05 %  
    Noninterest-earning assets     81,874,656             72,612,145          
    Total assets   $ 1,375,171,597           $ 1,164,219,783          
    Interest-bearing liabilities:                          
    Interest-bearing deposits   $ 961,684,434   $ 16,850,654   3.53 %   $ 766,601,621   $ 14,091,305   3.70 %  
    FHLB advances and federal funds purchased     31,575,711     710,052   4.53 %     45,594,923     1,068,629   4.71 %  
    Notes payable     26,141,343     953,160   7.35 %     25,500,463     796,034   6.28 %  
    Total interest-bearing liabilities     1,019,401,488   $ 18,513,866   3.66 %     837,697,007   $ 15,955,968   3.83 %  
    Noninterest-bearing liabilities     253,207,317             240,831,655          
    Total liabilities     1,272,608,805             1,078,528,662          
    Stockholders’ equity     102,562,792             85,691,121          
    Total liabilities and stockholders’ equity   $ 1,375,171,597           $ 1,164,219,783          
    Net interest-earning assets   $ 273,895,453           $ 253,910,631          
    Net interest spread       $ 22,320,024   2.70 %       $ 16,903,596   2.22 %  
    Net interest margin           3.48 %           3.11 %  
                               
    (1 )   Excludes investments in bank stock (Federal Reserve Bank, Federal Home Loan Bank, and First National Bankers Bankshares).
                               

    The MIL Network –

    July 16, 2025
  • No labels on samosa or jalebi: Health ministry issues clarification on healthy eating advisory

    Source: Government of India

    Source: Government of India (4)

    The Union Health Ministry has clarified that its recent advisory urging workplaces to display Oil and Sugar Boards is aimed at promoting healthier eating habits and greater public awareness about hidden fats and excess sugar in foods. The Ministry has dismissed recent media reports claiming that it has mandated Warning Labels on food items like samosa, jalebi and laddoo, calling such reports misleading and incorrect.

    The advisory recommends that workplaces such as office lobbies, canteens, cafeterias and meeting rooms install boards that highlight the health risks associated with excessive consumption of oil and sugar. According to the Ministry, these boards act as behavioural nudges to encourage individuals to make healthier dietary choices in daily life, especially as the country sees a sharp rise in obesity and related lifestyle diseases.

    Officials have underlined that the advisory is not about targeting specific Indian snacks or street food. Instead, it aims to promote general awareness about hidden fats and sugars across all food categories. The Ministry has further clarified that it has not directed vendors or manufacturers to carry warning labels on food products.

    As part of the broader message, the advisory also encourages workplaces to promote healthier meal options such as fruits, vegetables and low-fat foods. It suggests practical steps to incorporate physical activity into daily routines — including use of stairs, short exercise breaks during work hours and creating walking routes within office campuses.

    The initiative is part of the Union Health Ministry’s flagship programme — the National Programme for Prevention and Control of Non Communicable Diseases (NP-NCD). Experts highlight that excessive consumption of oil and sugar significantly contributes to rising rates of obesity, diabetes, hypertension and other non-communicable diseases across the country.

    July 16, 2025
  • No labels on samosa or jalebi: Health ministry issues clarification on healthy eating advisory

    Source: Government of India

    Source: Government of India (4)

    The Union Health Ministry has clarified that its recent advisory urging workplaces to display Oil and Sugar Boards is aimed at promoting healthier eating habits and greater public awareness about hidden fats and excess sugar in foods. The Ministry has dismissed recent media reports claiming that it has mandated Warning Labels on food items like samosa, jalebi and laddoo, calling such reports misleading and incorrect.

    The advisory recommends that workplaces such as office lobbies, canteens, cafeterias and meeting rooms install boards that highlight the health risks associated with excessive consumption of oil and sugar. According to the Ministry, these boards act as behavioural nudges to encourage individuals to make healthier dietary choices in daily life, especially as the country sees a sharp rise in obesity and related lifestyle diseases.

    Officials have underlined that the advisory is not about targeting specific Indian snacks or street food. Instead, it aims to promote general awareness about hidden fats and sugars across all food categories. The Ministry has further clarified that it has not directed vendors or manufacturers to carry warning labels on food products.

    As part of the broader message, the advisory also encourages workplaces to promote healthier meal options such as fruits, vegetables and low-fat foods. It suggests practical steps to incorporate physical activity into daily routines — including use of stairs, short exercise breaks during work hours and creating walking routes within office campuses.

    The initiative is part of the Union Health Ministry’s flagship programme — the National Programme for Prevention and Control of Non Communicable Diseases (NP-NCD). Experts highlight that excessive consumption of oil and sugar significantly contributes to rising rates of obesity, diabetes, hypertension and other non-communicable diseases across the country.

    July 16, 2025
  • No labels on samosa or jalebi: Health ministry issues clarification on healthy eating advisory

    Source: Government of India

    Source: Government of India (4)

    The Union Health Ministry has clarified that its recent advisory urging workplaces to display Oil and Sugar Boards is aimed at promoting healthier eating habits and greater public awareness about hidden fats and excess sugar in foods. The Ministry has dismissed recent media reports claiming that it has mandated Warning Labels on food items like samosa, jalebi and laddoo, calling such reports misleading and incorrect.

    The advisory recommends that workplaces such as office lobbies, canteens, cafeterias and meeting rooms install boards that highlight the health risks associated with excessive consumption of oil and sugar. According to the Ministry, these boards act as behavioural nudges to encourage individuals to make healthier dietary choices in daily life, especially as the country sees a sharp rise in obesity and related lifestyle diseases.

    Officials have underlined that the advisory is not about targeting specific Indian snacks or street food. Instead, it aims to promote general awareness about hidden fats and sugars across all food categories. The Ministry has further clarified that it has not directed vendors or manufacturers to carry warning labels on food products.

    As part of the broader message, the advisory also encourages workplaces to promote healthier meal options such as fruits, vegetables and low-fat foods. It suggests practical steps to incorporate physical activity into daily routines — including use of stairs, short exercise breaks during work hours and creating walking routes within office campuses.

    The initiative is part of the Union Health Ministry’s flagship programme — the National Programme for Prevention and Control of Non Communicable Diseases (NP-NCD). Experts highlight that excessive consumption of oil and sugar significantly contributes to rising rates of obesity, diabetes, hypertension and other non-communicable diseases across the country.

    July 16, 2025
  • MIL-OSI Africa: Marking International Women’s Day 2025: Senator Dr. Rasha Kelej & First Ladies of Africa Empower and Uplift Women & Girls Through Education & Healthcare

    Source: APO

    Merck Foundation (www.Merck-Foundation.com), the philanthropic arm of Merck KGaA Germany together with First Ladies of Africa who are also their Ambassadors, Ministries of Health, Education, Communication & Gender, mark ‘International Women’s Day 2025’, through their impactful development programs, continuing their 13-year legacy of empowering women and girls.

    Senator, Dr. Rasha Kelej, CEO of Merck Foundation and One of the Most Influential African Women for Six Consecutive Years (2019 – 2024) expressed, “Happy International Women’s Day to all the remarkable women and girls around the world!

    Empowering girls and women is at the core of all our initiatives and programs at Merck Foundation. I recognize the immense potential of women to thrive, succeed and excel in any domain they choose, yet they often lack the conducive environment to fully realize their capabilities, especially in underserved communities.

    Therefore, together with our Ambassadors, The First Ladies of Africa, we mark International Women’s Day every day since the last 13 years through our development programs and initiatives such as ‘More Than a Mother’, ‘Merck Foundation Capacity Advancement’, ‘Educating Linda’, and ‘STEM Program’.”

    “Merck Foundation More Than a Mother” is a strong movement that aims to empower infertile and childless women through access to information, education and change of mindset.

    “I am thrilled to share that out of the 2,282 scholarships awarded across 52 countries in 44 critical and underserved specialties, 1046 scholarships, that is nearly 50% have been granted to female medical graduates, empowering them to become future healthcare experts and leaders.

    I am especially proud that we have awarded over 680 scholarships to young doctors, dedicated to advancing women’s health by strengthening reproductive, sexual health, and fertility care capacity.”

    Merck Foundation CEO strongly believes that Education is one of the most critical areas of women empowerment.

    “I am happy to share that through our “Educating Linda” Program, together with my dear sisters, our Ambassadors, we are contributing to the future of over 700 girls by providing scholarships to continue their education and also providing essential school items for thousands of schoolgirls in many African countries such as Botswana, Burundi, Malawi, The Gambia, Nigeria, Zambia, Zimbabwe, Ghana, Namibia, Democratic Republic of the Congo, Cabo Verde and more.

    Moreover, we have benefitted thousands of girls through our awareness campaign through many initiates like the release of inspiring songs, children’s storybooks, animation films, TV Program and awards for best media, song, film & fashion designs, all aimed at promoting girl education today for women’s empowerment tomorrow”, emphasized Senator Rasha Kelej.

    Merck Foundation also actively empowers women in Science and Technology through its STEM Program and the annual Merck Foundation Africa Research Summit (MARS) Awards that recognize and celebrate the Best African Women Researchers and Best Young African Researchers, fostering research excellence.

    “Our goal is to empower women and young African researchers, enhance their research capacity, and promote their contributions to STEM,” emphasized Dr. Kelej.

    Watch the Episodes of “Our Africa by Merck Foundation” TV program on Supporting Girl Education:

    Episode 2: https://apo-opa.co/4mfjkXN

    Episode 11: https://apo-opa.co/46OtJ7Y

    Episode 14: https://apo-opa.co/4eOnPpH

    Listen to Merck Foundation song about Supporting Girl Education here:

    1. Watch, share & subscribe to the “Girl Can” song here, sung by two famous singers, Irene and Cwezi from Liberia and Ghana respectively: https://apo-opa.co/4eWbPm8
    2. Watch, share & subscribe the “Like Them” song here, sung by Kenneth, a famous singer from Uganda: https://apo-opa.co/4lo4Wfy
    3. Watch, share & subscribe “Take me to School” song here, sung by Wezi, Afro-soul singer from Zambia, to support girls’ education: https://apo-opa.co/4ePQxWU
    4. Watch share & subscribe “Tu Podes Sim” Portuguese song, which means “Yes, You Can” in English by Blaze and Tamyris Moiane, singers from Mozambique in English here: https://apo-opa.co/46GXwPY  
    5. Watch, share & subscribe “Brighter day” song by Sean K and Cwesi Oteng from Namibia and Ghana respectively: https://apo-opa.co/3GInicb

    Watch the Merck Foundation Animation Films to Support Girl Education :

    Ride into to Future: https://apo-opa.co/4lRcDdZ

    Jackeline’s Rescue: https://apo-opa.co/3Gqi1pF

    Read the Merck Foundation storybook addressing the importance of Girl Education:

    1. To read Educating Linda Storybook, pls visit: https://apo-opa.co/46tUZJ9
    1. To read Jackline’s Rescue Storybook, pls visit: https://apo-opa.co/44ulKeY
    1. To read Ride into the Future Storybook, pls visit: https://apo-opa.co/3Io25ox
    1. To read Not Who You Are Storybook, pls visit: https://apo-opa.co/4lCn71q

    Distributed by APO Group on behalf of Merck Foundation.

    Contact:
    Mehak Handa
    Community Awareness Program Manager 
    Phone: +91 9310087613/ +91 9319606669
    Email: mehak.handa@external.merckgroup.com

    Join the conversation on our social media platforms below and let your voice be heard:
    Facebook: https://apo-opa.co/4lZ2dt8
    X: https://apo-opa.co/44O0H5M
    YouTube: https://apo-opa.co/4lFl8sQ
    Instagram: https://apo-opa.co/466ZGIB
    Threads: https://apo-opa.co/4lXSrqZ
    Flickr: https://apo-opa.co/4f9GJaN
    Website: www.Merck-Foundation.com
    Download Merck Foundation App: https://apo-opa.co/4lu67dm

    About Merck Foundation:
    The Merck Foundation, established in 2017, is the philanthropic arm of Merck KGaA Germany, aims to improve the health and wellbeing of people and advance their lives through science and technology. Our efforts are primarily focused on improving access to quality & equitable healthcare solutions in underserved communities, building healthcare & scientific research capacity, empowering girls in education and empowering people in STEM (Science, Technology, Engineering, and Mathematics) with a special focus on women and youth. All Merck Foundation press releases are distributed by e-mail at the same time they become available on the Merck Foundation Website. Please visit www.Merck-Foundation.com to read more. Follow the social media of Merck Foundation: Facebook (https://apo-opa.co/4lZ2dt8), X (https://apo-opa.co/44O0H5M), Instagram (https://apo-opa.co/466ZGIB), YouTube (https://apo-opa.co/4lFl8sQ), Threads (https://apo-opa.co/4lXSrqZ) and Flickr (https://apo-opa.co/4f9GJaN).

    The Merck Foundation is dedicated to improving social and health outcomes for communities in need. While it collaborates with various partners, including governments to achieve its humanitarian goals, the foundation remains strictly neutral in political matters. It does not engage in or support any political activities, elections, or regimes, focusing solely on its mission to elevate humanity and enhance well-being while maintaining a strict non-political stance in all of its endeavors.

    Media files

    .

    MIL OSI Africa –

    July 16, 2025
  • MIL-OSI United Kingdom: Mayor of London launches a next-generation city data platform to unlock the power of data for Londoners

    Source: Mayor of London

    • Mayor of London launches new cutting-edge Data for London Library to make it easier to use data to benefit Londoners and London and power smarter AI-enabled public services
    • The Library is a key step in improving data sharing across the city – which is essential to the AI, data and infrastructure London will need to power the next generation of public services – by connecting datasets held by organisations across the capital
    • Launched during London Data Week, a 50+ festival delivered by the Greater London Authority,  London Councils and the Alan Turing Institute, this delivers a manifesto commitment to bring forward new data services that support city priorities and ensure the digital and AI revolution serves Londoners and their needs

    The Mayor of London, Sadiq Khan, has launched the Data for London Library, a cutting-edge new platform that will transform how London collects, shares and uses data to improve public services, unlock growth and create a more inclusive, sustainable city.

    Launched during the biggest ever London Data Week, the Library is part of the Mayor’s ambitious Data for London programme and marks a major milestone in the evolution of London’s data infrastructure. It will replace the London Datastore, which was first launched in 2010 and at the time was one of the world’s earliest and most innovative open data platforms.

    The Library aims to be the definitive catalogue of place data for London – including environment, buildings, and demographics – creating a single, vital resource for researchers and data users seeking rich contextual insight for data services and projects. It takes an innovative approach by connecting, not collecting, datasets held by key London partners starting with Transport for London, the Department of Health and Social Care as well as Barnet, Brent, Camden, and Redbridge councils, and the Office for National Statistics. This collaborative working helps build London’s data infrastructure while acknowledging London’s breadth and large number of organisations that keep the city running.   

    Over its 15-year history, the previous London Datastore, which the Library will replace, pioneered new ways of making public data accessible and useful to communities, policymakers and innovators. The Data for London Library builds on that legacy, offering more than 5,100 datasets, faster search tools, and improved discoverability to make it easier for everyone – from citizens to researchers to startups – to find and use trusted data that benefits Londoners.

    Data from the London Datastore has been used to: 

    • Improve air quality by collating data from air quality sensors across London to help map and predict air pollution episodes. This enables us to issue pollution alerts for Londoners, helping people with health conditions sensitive to pollution live healthier lives as part of the Breath London project.
    • Support Net Zero by providing energy efficiency data for all London homes in a transparent, shareable way through the London Building Stock Model. This helps councils to identify and prioritise homes that need retrofitting and is a key tool to support the delivery of the Mayor’s Warmer Homes London programme with London Councils.
    • Tackle rough sleeping by publishing quarterly and annual CHAIN reports based on data collected by outreach teams and services across London. These reports provide strategic insights into rough sleeping trends, supporting public understanding and helping the Mayor, councils, and charities work toward the goal of ending rough sleeping in London by 2030.

    By making it easier to find and use data held across the city, in one place, the Library becomes core infrastructure for the current AI revolution by addressing a key challenge facing innovators – discovering where datasets are. Better access to datasets enables better insights to enable preventative services, new digital or data tools to support public service productivity and opportunities for innovators across public, private, research and civil society. London’s approach to building the new data platform will be made available for other UK cities and regions to adopt.  

    London is Europe’s largest technology hub – the second largest in the world – and now firmly established as a leading player on the global stage due to the way it uses data to improve services, education, research and innovation to benefit communities across the capital. London is also at the forefront of AI research and top three globally for venture capital investment into this technology. 

    The recently published London Growth Plan identifies huge opportunities to turbocharge the capital’s economy by harnessing the potential of rapidly growing tech sectors such as AI. The Data for London programme will help to support this by improving city data sharing, increasing collaboration, developing public trust, boosting Londoners’ digital skills and leading modern connectivity.   

    Theo Blackwell MBE, Chief Digital Officer for London, said: “London is great at collaboration and the new Data for London Library is rooted in partnership. We’ve been working closely with the data community, the London Office of Technology and Innovation, local authorities in London and other data providers in the city to prioritise the features and improve the user experience.”

    “This is just the beginning, we are only going one way – there is no global trend towards less data. AI systems of the future are heavily dependent on the quality and quantity of the data they are trained on, so our focus now is to build more data sources into the Data for London Library and to make it easier to navigate complex data sharing agreements to benefit the city’s strategic position as the vanguard of the data and AI revolution. This is how we can build a better, fairer, more prosperous London for everyone.”

    Eddie Copeland, Director at the London Office of Technology & Innovation, said: “Successfully tackling many of the biggest issues we face in the capital, from climate change to tackling homelessness, depends on bringing together data from many different sources. The Data for London Library and platform will provide a huge boost for our ability to join up, analyse and act upon data at a truly London scale to benefit Londoners.” 

    Director of the Open Data Institute and Data for London Advisory Board Member Stuart Coleman said: “At the ODI, we advocate for practical, well-governed data infrastructure that makes it easier for people to access, use and share data. The Data for London Library shows how the public sector can take steps to make datasets more discoverable and usable. By opening up access to data from across the capital, it offers a pragmatic model that others can learn from. As the National Data Library develops, examples like this can help demonstrate what works in practice, particularly when it comes to improving interoperability, making data AI-ready, and building on existing foundations rather than starting from scratch.”

    Dr Cosmina Dorobantu, Data for London Advisory Board member and Senior Advisor and Visiting Professor in Practice at the LSE Data Science Institute, said: “As a member of the Mayor’s Data for London Board and someone who is helping to build a world-leading institute for AI and the social sciences here in London, within the London School of Economics and Political Science, I am tremendously excited to see the launch of the Data for London Library. Today’s launch is an important first step towards making the vast amounts of data collected in London more accessible, and towards increasing the data maturity of contributing organisations. The foundations that the team behind the Data for London Library have built are essential for creating the invaluable data resources that businesses, researchers, and policymakers need to build a better, more prosperous, and more equitable city.”

    Muniya Barua, Deputy Chief Executive at BusinessLDN, said: “The launch of the new Data for London Library marks a significant milestone in the capital’s ambitious growth plans. It puts a wealth of up-to-the-minute public and private sector data at the fingertips of businesses and policymakers which can be used to drive innovation and transform the lives of Londoners. Having long championed the transformative potential of data sharing, we now look to the Mayor’s spatial strategy, the London Plan, to ensure it supports the development of critical infrastructure – from data centres to improved broadband connectivity – which will enable the benefits of this new platform to be maximised and London to lead the way in AI and other cutting-edge technologies.”

    MIL OSI United Kingdom –

    July 16, 2025
  • MIL-OSI United Nations: Yemen: Security Council extends UN mission in crucial port city amid escalating Red Sea strife

    Source: United Nations 4

    Adopted unanimously, the resolution extending the UN Mission to support the Hudaydah Agreement (UNMHA) until 28 January 2026, underscores the Mission’s critical role in maintaining fragile stability amid signs of renewed military escalation and deepening humanitarian need.

    The resolution – 2786 (2025) – reaffirms the Council’s support for the 2018 Stockholm Agreement, including the ceasefire in the Houthi-controlled port city – and demilitarisation of its docks, where the majority of Yemen’s imports and vital aid shipments pass through.

    The mission’s future

    It also signals a growing debate over the mission’s future, requesting the Secretary-General to submit a review by November to enhance coordination and coherence of UN operations, “bearing in mind challenges” that have directly impeded UNMHA’s capacity to deliver.

    “The Security Council…expresses its intention to review the full range of options for UNMHA’s mandate, including assessing the future viability and sunsetting of the Mission, and make any necessary adjustments to gain efficiencies and reduce costs or otherwise, as may be required to UN operations in Hudaydah by developments on the ground, including inter alia a durable nationwide ceasefire,” the resolution noted.

    UNMHA was established in 2019 to support implementation of the Stockholm Agreement between the Government of Yemen and Ansar Allah (as the Houthis are formally known), which sought to prevent major conflict over the region.

    The mission monitors the ceasefire, facilitates redeployments and supports de-escalation through liaison mechanisms between the parties.

    Tensions mounting

    While the military situation on the ground remains tenuously stable, tensions are mounting on multiple fronts.

    According to a letter from the Secretary-General to the 15-member Council in June, a growing number of ceasefire violations – averaging over 100 per day between June 2024 and May 2025 – highlight the fragile state of the region.  

    Government-aligned forces fortified positions in anticipation of a possible offensive on the city, while Houthi units increased infiltration attempts and public mobilisation, including military-style youth camps in areas they control.

    UN Photo/Mark Garten

    Security Council unanimously adopts Resolution 2786 (2025) extending until 28 January 2026 the mandate of the UN Mission to support the Hudaydah Agreement (UNMHA).

    Deadly Red Sea passage

    Compounding this, Houthi attacks on international shipping in the Red Sea have intensified. On 8 July, the commercial vessel Eternity C was sunk, killing several crew members and leaving others missing. This followed the sinking of the Magic Seas vessel two days earlier.

    In a statement, UN Special Envoy Hans Grundberg condemned the attacks, calling them violations of international maritime law and warning they risked serious environmental and geopolitical fallout.

    He called on Ansar Allah to cease attacks that risk escalating tensions in and around Yemen.

    “[He urges them] to build on the cessation of hostilities with the United States in the Red Sea and to provide durable guarantees to the region and the wider international community, ensuring the safety of all those using this critical waterway,” the statement noted.

    Significant operational constraints

    Within Hudaydah itself, UNMHA faces significant constraints.  

    The June letter by the Secretary-General details restrictions by Houthi authorities on UN patrols to the critical Red Sea ports – Hudaydah, Salif and Ras Issa.

    Damage from repeated airstrikes, including by the US and Israel in response to Houthi attacks, has left key port infrastructure partially inoperable, disrupting fuel, food and medical imports.

    With Hudaydah responsible for 70 per cent of Yemen’s commercial imports and 80 per cent of humanitarian deliveries, the stakes are high.

    © UNICEF/Mahmoud Alfilastini

    A child receives a polio vaccination in Yemen.

    Polio vaccination drive

    Meanwhile, a new round of polio vaccinations is underway in Government-controlled areas of southern Yemen, amid mounting concerns over the continued spread of the virus.  

    From 12 to 14 July, health workers deployed across 12 governorates, aimed at curbing the outbreak of variant type 2 poliovirus.

    The campaign, led by Yemen’s Ministry of Public Health with support from UN Children’s Fund (UNICEF) and World Health Organization (WHO), came as 282 cases have been reported since 2021, with environmental surveillance confirming ongoing transmission.

    “The campaign is essential to interrupt transmission and protect every child from the debilitating effects of polio,” said Ferima Coulibaly-Zerbo, acting WHO Representative in Yemen.

    UNICEF’s Peter Hawkins echoed the urgency, warning of the “imminent threat” to unvaccinated children if immunisation gaps persist.

    “But, through vaccination, we can keep our children safe,” he said.

    MIL OSI United Nations News –

    July 16, 2025
  • MIL-OSI United Nations: Gaza: 875 people confirmed dead trying to source food in recent weeks

    Source: United Nations 4

    “As of 13 July, we have recorded 875 people killed in Gaza while trying to get food; 674 of them were killed in the vicinity of GHF sites,” said Thameen Al-Kheetan, OHCHR spokesperson, referencing the US-Israeli run private organization which has bypassed regular humanitarian operations.

    The remaining 201 victims were killed while seeking food “on the routes of aid convoys or near aid convoys” run by the UN or UN-partners still operating in the war-shattered enclave, Mr. Al-Kheetan told journalists in Geneva.

    Killings linked to the controversial US and Israeli-backed aid hubs began shortly after they started operating in southern Gaza on 27 May, bypassing the UN and other established NGOs.

    The latest deadly incident happened at around 9am on Monday 14 July, when reports indicated that the Israeli military shelled and fired towards Palestinians seeking food at the GHF site in As Shakoush area, northwestern Rafah.

    According to OHCHR, two Palestinians were killed and at least nine others were injured. Some of the casualties were transported to the International Committee of the Red Cross (ICRC) hospital in Rafah. On Saturday medics there received more than 130 patients, the “overwhelming majority” suffering from gunshot wounds and “all responsive individuals” reporting they were attempting to access food distribution sites.

    Deadly hunger

    The UN agency for Palestinian refugees, UNRWA, expressed deep concerns about the continuing killing of civilians trying to access food, while deadly malnutrition spreads among children.

    “Our teams on the ground – UNRWA teams and other United Nations teams – have spoken to survivors of these killings, these starving children included, who were shot at while on their way to pick up very little food,” said Juliette Touma, UNRWA Director of Communications.

    Speaking via video from Amman, Ms. Touma insisted that the near-total Israeli blockade of Gaza has led to babies dying of the effects of severe acute malnutrition.

    “We’ve been banned from bringing in any humanitarian assistance into Gaza for more than four months now,” she said, before pointing to a “significant increase” in child malnutrition since the Israeli blockade began on 2 March.

    Ms. Touma added: “We have 6,000 trucks waiting in places like Egypt, like Jordan; it’s from Jordan to the Gaza Strip it’s a three-hour drive, right?”

    In addition to food supplies, these UN trucks contain other vital if basic supplies including bars of soap. “Medicine and food are going to soon expire if we’re not able to get those supplies to people in Gaza who need it most, among them one million children who are half of the population of the Gaza Strip,” Ms. Touma continued.

    West Bank: ‘Silent war is surging’

    Meanwhile in the occupied West Bank including East Jerusalem, Palestinians continue to be killed in violence allegedly linked to Israeli settlers and security forces, UN agencies said.

    According to OHCHR, two-year-old Laila Khatib was shot in the head by Israeli security forces on 25 January while she was inside her house in Ash-Shuhada village, in Jenin.

    On 3 July, 61-year-old Walid Badir was shot and killed by Israeli security forces, reportedly while he was cycling back home from prayers, passing through the outskirts of the Nur Shams camp, the UN rights office continued, pointing to intensifying “killings, attacks and harassment of Palestinians in past weeks.

    “This includes the demolition of hundreds of homes and forced mass displacement of Palestinians,” OHCHR’s Mr. Al-Kheetan noted, with some 30,000 Palestinians forcibly displaced since the launch of Israel’s operation “Iron Wall” in the north of the occupied West Bank earlier this year.

    “We should recall that international law is very clear about this in terms of the obligations of the occupying power,” he said. “Bringing about a permanent demographic change inside the occupied territory may amount to a war crime and is tantamount to ethnic cleansing.”

    “We continue to have a silent war that is surging, where heavy restrictions on movement continue, where poverty is increasing as people are cut off from their livelihoods and unemployment soars,” said UNRWA’s Ms. Touma.

    With its current focus on the northern occupied West Bank, the Israeli military operation has impacted the refugee camps of Jenin, Tulkarem and Nur Shams.

    “It is causing the largest population displacement of the Palestinians in the West Bank since 1967,” Ms. Touma continued.

    MIL OSI United Nations News –

    July 16, 2025
  • MIL-OSI Analysis: How 17M Americans enrolled in Medicaid and ACA plans could lose their health insurance by 2034

    Source: The Conversation – USA (3) – By Simon F. Haeder, Associate Professor of Public Health, Texas A&M University

    The millions of people losing insurance include many who get coverage through the ACA marketplace. sesame/DigitalVision Vectors via Getty Images

    The big tax and spending package President Donald Trump signed into law on July 4, 2025, will cut government spending on health care by more than US$1 trillion over the next decade.

    Because the final version of the legislation moved swiftly through the Senate and the House, estimates regarding the number of people likely to lose their health insurance coverage were incomplete when Congress approved it by razor-thin margins. Nearly 12 million Americans could lose their health insurance coverage by 2034 due to this legislation, according to the nonpartisan Congressional Budget Office.

    However, the number of people losing their insurance by 2034 could be even higher, totaling more than 17 million. That’s largely because it’s likely that at least 5 million Americans who currently have Affordable Care Act marketplace health insurance will lose their coverage once subsidies that help fund those policies expire at the end of 2025. And very few Republicans have said they support renewing the subsidies.

    In addition, regulations the Trump administration introduced earlier in the year will further increase the number of people losing their ACA marketplace coverage.

    As a public health professor, I see these changes, which will be phased in over several years, as the first step in a reversal of the expansion of access to health care that began with the ACA’s passage in 2010. About 25.3 million Americans lacked insurance in 2023, down sharply from 46.5 million when President Barack Obama signed the ACA into law. All told, the changes in the works could eliminate three-quarters of the progress the U.S. has made in reducing the number of uninsured Americans following the Affordable Care Act.

    Millions will lose their Medicaid coverage

    The biggest number of people becoming uninsured will be Americans enrolled in Medicaid, which currently covers more than 78 million people.

    An estimated 5 million will eventually lose Medicaid coverage due to new work requirements that will go into effect nationally by 2027.

    Work requirements target people eligible for Medicaid through the Affordable Care Act’s expansion. They tend to have slightly higher incomes than other people enrolled in the program.

    Medicaid applicants who are between 19 and 64 years old will need to certify they are working at least 80 hours a month or spending that much time engaged in comparable activities, such as community service.

    When these rules have been introduced to other safety net programs, most people lost their benefits due to administrative hassles, not because they weren’t logging enough hours on the job. Experts like me expect to see that occur with Medicaid too.

    Other increases in the paperwork required to enroll in and remain enrolled in Medicaid will render more than 2 million more people uninsured, the CBO estimates.

    And an additional 1.4 million would lose coverage because they may not meet new citizenship or immigration requirements.

    In total, these changes to Medicaid would lead to more than 8 million people becoming uninsured by 2034.

    Many of those who aren’t kicked out of Medicaid would also face new copayments of up to US$35 for appointments and procedures – making them less likely to seek care, even if they still have health insurance.

    The new policies also make it harder for states to pay for Medicaid, which is run by the federal government and the states. They do so by limiting the taxes states charge medical providers, which are used to fund the states’ share of Medicaid funding. With less funding, some states may try to reduce enrollment or cut benefits, such as home-based health care, in the future.

    Losing Medicaid coverage may leave millions of low-income Americans without insurance coverage, with no affordable alternatives for health care. Historically, the people who are most likely to lose their benefits are low-income people of color or immigrants who do not speak English well.

    A supporter of the Affordable Care Act stands in front of the Supreme Court building on Nov. 10, 2020.
    Samuel Corum/Getty Images

    ACA marketplace policies may cost far more

    The new law will also make it harder for the more than 24 million Americans who currently get health insurance through Affordable Care Act marketplace plans to remain insured.

    For one, it will be much harder for Americans to purchase insurance coverage and qualify for subsidies for 2026.

    These changes come on the heels of regulations from the Trump administration that the Congressional Budget Office estimates will lead to almost 1 million people losing their coverage through the ACA marketplace. This includes reducing spending on outreach and enrollment.

    What’s more, increased subsidies in place since 2021 are set to expire at the end of the year. Given Republican opposition, it seems unlikely that those subsidies will be extended.

    Not extending the subsidies alone could mean premiums will increase by more than 75% in 2026. Once premiums get that unaffordable, an additional 4.2 million Americans could lose coverage, the Congressional Budget Office estimates.

    With more political uncertainty and reduced enrollment, more private insurers may also withdraw from the ACA market. Large insurance companies such as Aetna, Cigna and UnitedHealth have already raised concerns about the ACA market’s viability.

    Should they exit, there would be fewer choices and higher premiums for people getting their insurance this way. It could also mean that some counties could have no ACA plans offered at all.

    Ramifications for the uninsured and rural hospitals

    When people lose their health insurance, they inevitably end up in worse health and their medical debts can mount. Because medical treatments usually work better when diagnoses are made early, people who end up uninsured may die sooner than if they’d still had coverage.

    Having to struggle to pay the kinds of high medical bills people without insurance face takes a physical, mental and financial toll, not just on people who become uninsured but also their families and friends. It also harms medical providers that don’t get reimbursed for their care.

    Public health scholars like me have no doubt that many hospitals and other health care providers will have to make tough choices. Some will close. Others will offer fewer services and fire health care workers. Emergency room wait times will increase for everyone, not just people who lose their health insurance due to changes in Trump’s tax and spending package.

    Rural hospitals play a crucial role in health care access.

    Rural hospitals, which were already facing a funding crisis, will experience some of the most acute financial pressure. By one estimate, more than 300 hospitals are at risk of closing.

    Children’s hospitals and hospitals located in low-income urban areas also disproportionately rely on Medicaid and will struggle to keep their doors open.

    Republicans tried to protect rural hospitals by designating $50 billion in the legislative package for them over 10 years. But this funding comes nowhere near the $155 billion in losses KFF expects those health care providers to incur due to Medicaid cuts. Also, the funding comes with a number of restrictions that could further limit its effectiveness.

    What’s next

    Some Republicans, including Sens. Mike Crapo and Ron Johnson, have already indicated that more health care policy changes could be coming in another large legislative package.

    They could include some of the harsher provisions that were left out of the final version of the legislation Congress approved. Republicans may, for example, try to roll back the ACA’s Medicaid expansion.

    Moving forward, spending on Medicare, the insurance program that primarily covers Americans 65 and older, could decline too. Without any further action, the CBO says that the law could trigger an estimated $500 billion in mandatory Medicare cuts from 2026 to 2034 because of the trillions of dollars in new federal debt the law creates.

    Trump has repeatedly promised not to cut Medicare or Medicaid. And yet, it’s possible that the Trump administration will issue executive orders that further reduce what the federal government spends on health care – and roll back the coverage gains the Affordable Care Act brought about.

    Portions of this article first appeared in a related piece published on June 13, 2025.

    Simon F. Haeder has previously received funding from the Centers for Medicare and Medicaid Services, the Pennsylvania Insurance Department, and the Robert Wood Johnson Foundation for unrelated projects.

    – ref. How 17M Americans enrolled in Medicaid and ACA plans could lose their health insurance by 2034 – https://theconversation.com/how-17m-americans-enrolled-in-medicaid-and-aca-plans-could-lose-their-health-insurance-by-2034-260664

    MIL OSI Analysis –

    July 16, 2025
  • MIL-OSI Submissions: How 17M Americans enrolled in Medicaid and ACA plans could lose their health insurance by 2034

    Source: The Conversation – USA (3) – By Simon F. Haeder, Associate Professor of Public Health, Texas A&M University

    The millions of people losing insurance include many who get coverage through the ACA marketplace. sesame/DigitalVision Vectors via Getty Images

    The big tax and spending package President Donald Trump signed into law on July 4, 2025, will cut government spending on health care by more than US$1 trillion over the next decade.

    Because the final version of the legislation moved swiftly through the Senate and the House, estimates regarding the number of people likely to lose their health insurance coverage were incomplete when Congress approved it by razor-thin margins. Nearly 12 million Americans could lose their health insurance coverage by 2034 due to this legislation, according to the nonpartisan Congressional Budget Office.

    However, the number of people losing their insurance by 2034 could be even higher, totaling more than 17 million. That’s largely because it’s likely that at least 5 million Americans who currently have Affordable Care Act marketplace health insurance will lose their coverage once subsidies that help fund those policies expire at the end of 2025. And very few Republicans have said they support renewing the subsidies.

    In addition, regulations the Trump administration introduced earlier in the year will further increase the number of people losing their ACA marketplace coverage.

    As a public health professor, I see these changes, which will be phased in over several years, as the first step in a reversal of the expansion of access to health care that began with the ACA’s passage in 2010. About 25.3 million Americans lacked insurance in 2023, down sharply from 46.5 million when President Barack Obama signed the ACA into law. All told, the changes in the works could eliminate three-quarters of the progress the U.S. has made in reducing the number of uninsured Americans following the Affordable Care Act.

    Millions will lose their Medicaid coverage

    The biggest number of people becoming uninsured will be Americans enrolled in Medicaid, which currently covers more than 78 million people.

    An estimated 5 million will eventually lose Medicaid coverage due to new work requirements that will go into effect nationally by 2027.

    Work requirements target people eligible for Medicaid through the Affordable Care Act’s expansion. They tend to have slightly higher incomes than other people enrolled in the program.

    Medicaid applicants who are between 19 and 64 years old will need to certify they are working at least 80 hours a month or spending that much time engaged in comparable activities, such as community service.

    When these rules have been introduced to other safety net programs, most people lost their benefits due to administrative hassles, not because they weren’t logging enough hours on the job. Experts like me expect to see that occur with Medicaid too.

    Other increases in the paperwork required to enroll in and remain enrolled in Medicaid will render more than 2 million more people uninsured, the CBO estimates.

    And an additional 1.4 million would lose coverage because they may not meet new citizenship or immigration requirements.

    In total, these changes to Medicaid would lead to more than 8 million people becoming uninsured by 2034.

    Many of those who aren’t kicked out of Medicaid would also face new copayments of up to US$35 for appointments and procedures – making them less likely to seek care, even if they still have health insurance.

    The new policies also make it harder for states to pay for Medicaid, which is run by the federal government and the states. They do so by limiting the taxes states charge medical providers, which are used to fund the states’ share of Medicaid funding. With less funding, some states may try to reduce enrollment or cut benefits, such as home-based health care, in the future.

    Losing Medicaid coverage may leave millions of low-income Americans without insurance coverage, with no affordable alternatives for health care. Historically, the people who are most likely to lose their benefits are low-income people of color or immigrants who do not speak English well.

    A supporter of the Affordable Care Act stands in front of the Supreme Court building on Nov. 10, 2020.
    Samuel Corum/Getty Images

    ACA marketplace policies may cost far more

    The new law will also make it harder for the more than 24 million Americans who currently get health insurance through Affordable Care Act marketplace plans to remain insured.

    For one, it will be much harder for Americans to purchase insurance coverage and qualify for subsidies for 2026.

    These changes come on the heels of regulations from the Trump administration that the Congressional Budget Office estimates will lead to almost 1 million people losing their coverage through the ACA marketplace. This includes reducing spending on outreach and enrollment.

    What’s more, increased subsidies in place since 2021 are set to expire at the end of the year. Given Republican opposition, it seems unlikely that those subsidies will be extended.

    Not extending the subsidies alone could mean premiums will increase by more than 75% in 2026. Once premiums get that unaffordable, an additional 4.2 million Americans could lose coverage, the Congressional Budget Office estimates.

    With more political uncertainty and reduced enrollment, more private insurers may also withdraw from the ACA market. Large insurance companies such as Aetna, Cigna and UnitedHealth have already raised concerns about the ACA market’s viability.

    Should they exit, there would be fewer choices and higher premiums for people getting their insurance this way. It could also mean that some counties could have no ACA plans offered at all.

    Ramifications for the uninsured and rural hospitals

    When people lose their health insurance, they inevitably end up in worse health and their medical debts can mount. Because medical treatments usually work better when diagnoses are made early, people who end up uninsured may die sooner than if they’d still had coverage.

    Having to struggle to pay the kinds of high medical bills people without insurance face takes a physical, mental and financial toll, not just on people who become uninsured but also their families and friends. It also harms medical providers that don’t get reimbursed for their care.

    Public health scholars like me have no doubt that many hospitals and other health care providers will have to make tough choices. Some will close. Others will offer fewer services and fire health care workers. Emergency room wait times will increase for everyone, not just people who lose their health insurance due to changes in Trump’s tax and spending package.

    Rural hospitals play a crucial role in health care access.

    Rural hospitals, which were already facing a funding crisis, will experience some of the most acute financial pressure. By one estimate, more than 300 hospitals are at risk of closing.

    Children’s hospitals and hospitals located in low-income urban areas also disproportionately rely on Medicaid and will struggle to keep their doors open.

    Republicans tried to protect rural hospitals by designating $50 billion in the legislative package for them over 10 years. But this funding comes nowhere near the $155 billion in losses KFF expects those health care providers to incur due to Medicaid cuts. Also, the funding comes with a number of restrictions that could further limit its effectiveness.

    What’s next

    Some Republicans, including Sens. Mike Crapo and Ron Johnson, have already indicated that more health care policy changes could be coming in another large legislative package.

    They could include some of the harsher provisions that were left out of the final version of the legislation Congress approved. Republicans may, for example, try to roll back the ACA’s Medicaid expansion.

    Moving forward, spending on Medicare, the insurance program that primarily covers Americans 65 and older, could decline too. Without any further action, the CBO says that the law could trigger an estimated $500 billion in mandatory Medicare cuts from 2026 to 2034 because of the trillions of dollars in new federal debt the law creates.

    Trump has repeatedly promised not to cut Medicare or Medicaid. And yet, it’s possible that the Trump administration will issue executive orders that further reduce what the federal government spends on health care – and roll back the coverage gains the Affordable Care Act brought about.

    Portions of this article first appeared in a related piece published on June 13, 2025.

    Simon F. Haeder has previously received funding from the Centers for Medicare and Medicaid Services, the Pennsylvania Insurance Department, and the Robert Wood Johnson Foundation for unrelated projects.

    – ref. How 17M Americans enrolled in Medicaid and ACA plans could lose their health insurance by 2034 – https://theconversation.com/how-17m-americans-enrolled-in-medicaid-and-aca-plans-could-lose-their-health-insurance-by-2034-260664

    MIL OSI –

    July 16, 2025
  • MIL-OSI United Kingdom: Misogynistic myths kicked out of classrooms to protect children

    Source: United Kingdom – Government Statements

    Press release

    Misogynistic myths kicked out of classrooms to protect children

    Government publishes final statutory relationships, sex and health education guidance for schools.

    Children and young people will be better protected from the scourge of misogynism, deepfake porn and unhealthy attitudes to consent, power and control through new Relationships, Sex and Health Education guidance for schools being published today (Tuesday 15 July). 

    The statutory guidance has a new focus on helping boys identify positive role models, and challenge myths about women and relationships that are spread online in the ‘manosphere’ – without stigmatising boys for being boys. 

    Secondary schools will also now include lessons on incel culture, including how a piece of content online can impact a person’s understanding of sexual ethics and behaviour, as well as increasing awareness of AI, deepfakes and how pornography links to misogyny.  

    It comes as new data published today shows misogynistic attitudes have reached epidemic scale by the end of secondary school. When asked to think about just the past week, over a third (37%) of pupils aged 11-19 had heard comments that made them concerned about the safety of girls, and over half (54%) said they had witnessed comments they would describe as misogynistic.  

    Other additions to the curriculum include spiking and methanol poisoning, increased focus on resilience and coping, a strengthened health syllabus so children are equipped with necessary knowledge on women’s health such as endometriosis and fertility.

    The guidance builds on the government’s commitment to give every school child access to a mental health professional, delivering on the Prime Minister’s Plan for Change, and comes ahead of the Violence Against Women and Girls strategy due to be published in the autumn.

    Education Secretary, Bridget Phillipson, said: 

    Before I was elected to Parliament, I managed a refuge for women and children fleeing domestic violence, so I have seen first-hand the devastating impact when we don’t foster healthy attitudes from the youngest age. 

    I want our children to be equipped to defy the malign forces that exist online. Schools and parents alike have a vital role to play, helping children identify positive role models and resist the manipulation too often used online to groom impressionable young minds.

    Whether it’s helping deliver on our Plan for Change mission to halve violence against women and girls or growing a more just and equal society, there can be no more basic mission for a government then making sure our children grow up to become decent, respectful adults, prepared for the modern world.

    Children will start to build positive attitudes to relationships between friends and family in primary school, followed by new dedicated content in secondary school that helps boys identify positive male role models, and all children to expect consent and kindness when they get ready for more intimate relationships. 

    Additional new content for secondary schools includes: 

    • Sexual ethics beyond consent, for example teaching young people that yes doesn’t always mean yes as factors like peer pressure should be taken into account 
    • Staying safe in public spaces, to match staying safe online, so young people know how to increase their personal safety in public spaces, build confidence in trusting their instincts and learn ways to seek help 
    • Financial exploitation 
    • Positive conceptions of femininity and masculinity  

    A strong new emphasis on age-appropriate and sequenced teaching, differentiated between primary and secondary school, will mean children don’t get taught things they are too young for, without proscribing specific ages to each individual topic.

    The clear dividing line between what can be taught in primary and secondary school remains unchanged.

    This will allow teachers to sensitively respond to topics that children might have seen online or heard from their friends – making sure children are kept safe and parents are informed. 

    Research shows over one in five (22%) of girls aged 7 to 10 had seen ‘rude images online’, and the average age for exposure to pornography is 13. This is also an issue the sector has regularly raised concerns about, with 3 out of 4 teachers surveyed worrying about the influence of online misogyny over their pupils. 

    That’s why, starting in early 2026, schools will be able to apply for an RSHE training grant, empowering the workforce to take on these challenges.  

    Oak National Academy, the publicly-funded provider of curriculum and teaching resources for schools, has released a set of online safety lessons reflecting this part of the guidance that will warn teenagers of the dangers of incel ideology and other forms of misogyny they encounter on the internet. 

    Jason Elsom, Chief Executive of Parentkind, the UK’s largest parent charity, said:

    Transparency is critical for parents and there should be an unambiguous right for parents to see what their children are being taught before they are taught it. This guidance makes it clear that is what should happen.

    Where parents have been able to view RSHE materials, they are four times as likely to say they are happy with the content of RSHE lessons. Transparency is the word that should be written through every school’s approach to RSHE.

    Parents rightly have high expectations of schools around the teaching of sensitive subjects and doing this in a way that works with parents rather than keeping parents in the dark.

    John Roberts, Interim CEO of Oak National Academy, said:

    Teachers have an important role to play in helping children stay safe online and enabling them to identify harms such as incel ideology and misogyny.

    But it’s a delicate topic to cover, and schools need to feel confident they are getting it right.

    These free, optional Oak resources offer age-appropriate lessons that help teachers start honest conversations and guide pupils towards healthier digital habits and safer online experiences.

    The guidance is absolutely clear that parents should be able to view all RSHE curriculum materials on request and that schools should not agree to any contractual restrictions on showing parents any content that the school will use. 

    To further support children to feel able to take on challenges and risks, they will be taught the importance of grit and resilience and to recognise that anxiety and low mood can be a normal of managing every day mental health. 

    With suicide being the biggest killer of under 35s, the guidance has made clear that secondary schools should work closely with mental health professionals on how to discuss suicide prevention in an age-appropriate way. 

    Andy, Mike and Tim of 3 Dads Walking said:

    We welcome this vital step forward. Giving schools permission to talk about suicide prevention means more young people can be supported to open up about difficult feelings and know where to find help.

    We know, from painful personal experience, how much this matters. This change will save lives. We’re grateful to have played a part in helping bring it about.

    Schools can begin following the guidance from the new school year and it must be followed from September 2026. 

    Margaret Mulholland, SEND and inclusion specialist at the Association of School and College Leaders, said:

    Sadly, boys are often exposed to harmful and toxic misogynistic content online, which can impact on their behaviour in the real world. The focus of this updated guidance on tackling these issues is timely and welcome.

    It is important that we don’t simply tell boys what is wrong but that we also talk to them about positive male role models – and we are pleased that this is recognised in the guidance.

    Social media companies must also do more to police their platforms to remove harmful material and in particular protect children and young people from malign influences. We all have a responsibility to uphold values of decency and respect.

    DfE media enquiries

    Central newsdesk – for journalists 020 7783 8300

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    Updates to this page

    Published 15 July 2025

    MIL OSI United Kingdom –

    July 16, 2025
  • MIL-OSI: Trupanion Honored with Puget Sound Business Journal’s Excellence in Wellbeing Award

    Source: GlobeNewswire (MIL-OSI)

    SEATTLE, July 15, 2025 (GLOBE NEWSWIRE) — Trupanion (Nasdaq: TRUP), the leading provider of medical insurance for cats and dogs in North America, has been recognized by the Puget Sound Business Journal as a recipient of its Excellence in Wellbeing Award.

    This prestigious award celebrates organizations that have made employee well-being a core business priority, embedding physical, mental, and emotional health into their leadership philosophy, benefits, and daily operations.

    “Our team members are the very heart of everything we do,” said Margi Tooth, CEO and President of Trupanion. “We understand that when our team feels healthy, supported, and truly engaged, we can bring our very best to pet parents and veterinarians. This award is a testament to our continued efforts to create a workplace where every team member feels genuinely valued and cared for, both professionally and personally.”

    The Puget Sound Business Journal, in partnership with founding partner Roundglass, launched this award program to highlight employers who are making significant investments in programs that support the holistic health of their employees. Honorees will be celebrated at an awards event on July 24, 2025.

    “At Trupanion, we use ongoing team member feedback to help guide our benefit decisions,” added Brenna McGibney, Chief Administration Officer at Trupanion. “This collaborative process allows us to provide essential support and offer resources that truly empower team members to lead balanced and fulfilled lives. We are honored to receive this award and will continue innovating and investing in the livelihood of every Trupanion team member.”

    Learn more about careers at Trupanion by visiting Careers in Pet Insurance | Join the Trupanion Team!

    About Trupanion

    Trupanion is a leader in medical insurance for cats and dogs throughout the United States, Canada and certain countries within Continental Europe with over 1,000,000 pets currently enrolled. For over two decades, Trupanion has given pet owners peace of mind so they can focus on their pet’s recovery, not financial stress. Trupanion is committed to providing pet parents with the highest value in pet medical insurance with unlimited payouts for the life of their pets. With its patented process, Trupanion is the only North American provider with the technology to pay veterinarians directly in seconds at the time of checkout. Trupanion is listed on NASDAQ under the symbol “TRUP”. The company was founded in 2000 and is headquartered in Seattle, WA. Trupanion policies are issued, in the United States, by its wholly-owned insurance entity American Pet Insurance Company and, in Canada, by Accelerant Insurance Company of Canada. Policies are sold and administered in Canada by Canada Pet Health Insurance Services, Inc. dba Trupanion 309-1277 Lynn Valley Road, North Vancouver, BC V7J 0A2 and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Canada Pet Health Insurance Services, Inc. is a registered damage insurance agency and claims adjuster in Quebec #603927. For more information, please visit trupanion.com.

    Contacts:

    Corporate Communications
    Corporate.Communications@trupanion.com

    The MIL Network –

    July 16, 2025
  • MIL-OSI: Research: Consumer Mobile Frustration Is Rising – And It’s Costing Brands

    Source: GlobeNewswire (MIL-OSI)

    ATLANTA, July 15, 2025 (GLOBE NEWSWIRE) — Fullstory, a leading behavioral data company, today unveiled findings from its 2025 Behavioral Insights Benchmark Report, analyzing year-over-year trends in user digital experience across platforms. This year’s data from 14 billion sessions across key sectors—retail, financial services, food and beverage, travel and hospitality, gambling and entertainment, software, and business services—shows a sharp rise in mobile user frustration, with more frequent pain points, early search abandonment, spikes in error, and rage clicks.

    Welcome to the ‘Frustration Economy’: Mobile is Becoming a Hotspot for User Friction 

    Emerging AI-driven interfaces have made user experience (UX) on mobile more complex, and today’s consumers are paying the price, with mobile error clicks surging 667% from 2024 to 2025. This increase in errors, combined with decreasing user patience, is revealing a critical shift in behavior as consumers want their mobile experiences to be personalized and fast. A clear sign of frustration is rage clicks, which increased drastically for mobile and desktop users. Specifically, food and beverage rose a staggering 673%, followed by business services (131%), financial services (85%), and retail (56%).

    Adding to the complexity, the report shows that mobile bounce rate rose 54%, with half of all mobile users exiting after just one page. Financial services saw the highest number of mobile bounce rates at 85%, followed by retail (64%), and food and beverage (13%). For travel brands, mobile bounce rates decreased by 10%.

    “Today’s consumers expect elevated, efficient digital experiences. These high expectations are a byproduct of consumers’ increasing exposure to sophisticated AI tools, putting pressure on brands to deliver exceptional experiences every single session,” said Adam Spisak, Chief Customer Officer at Fullstory. “Our data confirms that mobile interfaces aren’t keeping pace with the new set of expectations from consumers. This is a wake-up call for brands. As frustration builds and consumers encounter more issues, they will choose to pursue other options.”

    Mobile Users Linger Longer but Struggle More

    Across all sectors, mobile traffic is rising, but UX often lags. Errors, rage clicks, and abandonments are far more common on mobile, with users hitting dead ends in nearly every visit. Despite these challenges, mobile still presents opportunities, as brands seek to engage more often and for longer with consumers. In 2025, mobile session duration rose 332%, reaching an average of 15 minutes and 51 seconds (up from 3 minutes and 40 seconds in 2024). This opportunity to engage consumers for longer periods of time was most apparent for retailers, who saw a session duration increase of 442%, followed by food and beverage (156%), while entertainment saw a 14% decrease.

    However, the report revealed dead clicks – when users click on elements that don’t respond – remained high on mobile, averaging 929 per 1,000 sessions – a slight increase from 2024. This is further proof that businesses need to invest in technology that tests their user interface on both desktop and mobile, improving both in tandem.

    Desktop Experiences Are Stabilizing, Boosting User Confidence

    While the increase in error clicks on mobile (667%) is concerning, this report found that web error clicks on desktop dropped significantly by 68%, indicating desktop stability is trending in the right direction. This shows that ongoing user experience investments on desktop experiences are paying off.

    However, there are still opportunities for improvement, with error clicks increasing across several sectors. Food and beverage reported the highest rates of error clicks on desktop at 121%, followed by financial services (56%), and travel (14%).

    “Behavioral data tells the story behind every customer interaction,” said Spisak, “It reveals exactly where and why users are struggling. The brands that act on these insights have a real opportunity to directly impact conversion, retention, and improve customer trust, resulting in stronger, more loyal relationships.”

    To better understand users’ behaviors, expectations, and points of friction across digital experiences, read the full report here.

    Research Methodology

    The data in this report reflects aggregated and anonymized activity from January to December 2024, spanning 9.5 billion web sessions, 4.1 billion mobile sessions, and 945 billion individual events. It focuses on four key regions—North America, UK & Ireland, DACH, and Benelux—and highlights trends across five major industries: Retail, Travel & Hospitality, Food & Beverage, Finance, and Sports, Gambling & Entertainment.

    About Fullstory

    Fullstory is the leading behavioral data platform that helps technology leaders make smarter, faster decisions by integrating rich behavioral signals into their analytics stack. Its patented technology captures every digital interaction and transforms it into high-fidelity, actionable insights at scale. With agentic AI, Fullstory enables enterprises to anticipate the needs of both customers and employees, personalize experiences in real time, streamline workflows, and drive meaningful business outcomes. From boosting efficiency and conversion to increasing loyalty and revenue, Fullstory turns digital behavior into a competitive advantage. Headquartered in Atlanta with teams across North America, EMEA, and APAC, Fullstory is trusted by the world’s most innovative organizations to transform behavioral data into business impact.

    Fullstory Media Relations
    Alexandra King
    Director of Communications
    pr@fullstory.com

    The MIL Network –

    July 16, 2025
  • MIL-OSI: Xsolis Launches AI Amplified, a New Podcast Hosted by Chief Medical Officer Dr. Heather Bassett, Spotlighting the Real-World Impact of AI in Healthcare

    Source: GlobeNewswire (MIL-OSI)

    FRANKLIN, Tenn., July 15, 2025 (GLOBE NEWSWIRE) — Xsolis, an AI-driven healthcare technology company that reduces administrative waste by enabling collaboration between healthcare providers and payers, today announced the launch of AI Amplified, a new podcast hosted by Dr. Heather Bassett, Chief Medical Officer of Xsolis. Produced in partnership with HealthcareNOW Radio, AI Amplified brings together industry leaders as they explore how artificial intelligence is being applied responsibly and effectively across healthcare to improve outcomes, optimize operations, and create more sustainable systems of care.

    The premiere episode, “From Med School to CMIO to CIO to AI Leadership,” features Stephanie Lahr, MD, CHCIO, CEO and Founder of Vital Thread Advisory. In this episode, Dr. Lahr reflects on her journey through clinical care and executive leadership and how those experiences inform her current work advising health systems on AI strategy and digital transformation.

    “As the healthcare industry continues to explore and embrace the potential of AI, it’s critical that we center the conversation on thoughtful, responsible implementation,” said Dr. Heather Bassett, Chief Medical Officer at Xsolis. “AI Amplified is a platform for those conversations focused on impact, accountability, and the people driving innovation forward.”

    Dr. Bassett leads both the clinical services and data science teams at Xsolis and brings deep technical expertise and a strong clinical foundation to every conversation. She led the development of Xsolis’ proprietary Care Level Score, an AI-powered algorithm that drives the company’s utilization management platform, Dragonfly, used by hundreds of hospitals, health systems, and health plans nationwide.

    AI Amplified launched on July 9, 2025, and will feature new episodes releasing every 2nd and 4th Wednesday of the month. The show is available on HealthcareNOW Radio and all major podcast platforms.

    Xsolis has been leveraging human-in-the-loop AI practices to develop AI solutions that streamline medical necessity decision-making in healthcare for over a decade. The company’s generative AI solutions are available alongside its existing Dragonfly platform and predictive AI models, which have saved health system and health plan customers more than $1.5 billion. 

    To learn more, visit:
    https://www.healthcarenowradio.com/programs/ai-amplified

    For podcast booking inquiries, contact media@xsolis.com.

    About Xsolis 

    Xsolis is an AI-driven technology company that reduces administrative waste by enabling collaboration between healthcare providers and payers. Dragonfly®, its AI-driven proprietary platform, is the first and only solution to use real-time predictive analytics to continuously assign an objective medical necessity score and assess the anticipated level of care for every patient, enabling more efficiency across the healthcare system. Xsolis is headquartered in Franklin, Tennessee. For more information, visit www.xsolis.com.

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/3beac53a-4a6c-4b95-8d99-7e2b5924565e

    The MIL Network –

    July 16, 2025
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