Ameris Bancorp (ABCB) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.677 Good day and welcome to the Ameris Bancorp third quarter conference call. 00:00:04.677 -- 00:00:07.180 All participants will be in listen-only mode. 00:00:07.180 -- 00:00:11.025 Should you need assistance, please signal a conference specialist by pressing the Start 00:00:11.025 -- 00:00:17.072 key followed by 0. After today's presentation, there will be an opportunity to ask questions. 00:00:17.072 -- 00:00:21.217 To ask a question, you may press Start, then 1 on your telephone keypad. 00:00:21.217 -- 00:00:24.722 To withdraw your question, please press Start, then 2. 00:00:24.722 -- 00:00:27.470 Please note, this event is being recorded. 00:00:27.470 -- 00:00:31.133 I would now like to turn the conference over to Nicole Stokes, CFO. 00:00:31.133 -- 00:00:32.895 Please go ahead. 00:00:32.895 -- 00:00:36.258 Great. Thank you, Valentina. And thank you to all who have joined our call today. 00:00:36.258 -- 00:00:40.662 During the call, we will be referencing the press release and the financial highlights 00:00:40.662 -- 00:00:46.266 that are available on the investor relations section of our website at AmerisBank.com. 00:00:46.266 -- 00:00:51.011 I'm joined today by Palmer Proctor, our CEO, and Doug Strange, our Chief Credit Officer. 00:00:51.011 -- 00:00:54.854 Palmer will begin with some opening comments, and then I will discuss the results of 00:00:54.854 -- 00:01:00.043 our financials before we open up for Q&A. Before we begin, I'll remind you that our comments 00:01:00.043 -- 00:01:05.451 may include forward-looking statements. These statements are subject to risks and uncertainties. 00:01:05.451 -- 00:01:09.918 The actual results could vary materially. We list some of the factors that might cause 00:01:09.918 -- 00:01:14.205 res...