Amerant Bancorp Inc. (AMTB) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.237 Greetings, and welcome to the Amerit Bank Fourth Quarter 2025 Earnings Conference 00:00:05.237 -- 00:00:09.561 Call. At this time, all participants are in listen-only mode. 00:00:09.561 -- 00:00:12.624 A question and answer session will follow the formal presentation. 00:00:12.624 -- 00:00:17.449 You may be placed into question and queue at any time by pressing star one on your telephone 00:00:17.449 -- 00:00:18.971 keypad. 00:00:18.971 -- 00:00:23.115 If anyone should require operator assistance, please press star zero. 00:00:23.115 -- 00:00:25.258 As a reminder, this conference is being recorded. 00:00:25.258 -- 00:00:30.317 It's now my pleasure to turn the call over to your host, Laura Rossi, Executive Vice 00:00:30.317 -- 00:00:33.341 President and Head of the Vice Investor Relations. 00:00:33.341 -- 00:00:35.962 Please go ahead, Laura. 00:00:36.145 -- 00:00:41.233 Thank you, Kevin. Good morning, everyone, and thank you for joining us to review Ameran 00:00:41.233 -- 00:00:45.680 Bancorp's fourth quarter and full year 2025 results. 00:00:45.680 -- 00:00:50.587 On today's call are Carlos Gafiliola, our Senior Executive Vice President and Interim 00:00:50.587 -- 00:00:55.594 CEO, and Sharimar Calderon, our Senior Executive Vice President and 00:00:55.594 -- 00:01:00.886 CFO. As we begin, please note that discussions on today's call contain forward-looking 00:01:00.886 -- 00:01:04.671 statements within the meaning of the Securities Exchange Act. 00:01:04.671 -- 00:01:10.098 In addition, references will also be made to the non-GAAP financial measures. 00:01:10.098 -- 00:01:14.264 Please refer to the company's earnings release for a statement regarding forward-looking 00:01:14.264 -- 00:01:19.491 statements, as well as for informati...