Ameris Bancorp (ABCB) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:01.735 -- 00:00:06.500 Good day and welcome to the Amherst Bancorp fourth quarter conference call. 00:00:06.500 -- 00:00:09.162 All participants will be in listen-only mode. 00:00:09.162 -- 00:00:13.066 Should you need assistance, please signal a conference specialist by pressing the star 00:00:13.066 -- 00:00:17.911 key followed by zero. After today's presentation, there will be an opportunity to ask 00:00:17.911 -- 00:00:22.996 questions. To ask a question, you may press star then one on your telephone keypad. 00:00:22.996 -- 00:00:26.420 To withdraw your question, please press star then two. 00:00:26.420 -- 00:00:30.853 Please note this event is being recorded. I would now like to turn the conference over 00:00:30.853 -- 00:00:33.337 to Nicole Stokes, Chief Financial Officer. 00:00:33.337 -- 00:00:34.058 Please go ahead. 00:00:34.058 -- 00:00:38.084 Thank you, Megan, and thank you to all who have joined our call today. 00:00:38.084 -- 00:00:42.610 During the call, we will be referencing the press release and the financial highlights 00:00:42.610 -- 00:00:48.138 that are available on the investor relations section of our website at AmerisBank.com. 00:00:48.138 -- 00:00:53.386 I'm joined today by Palmer Proctor, our CEO, and Doug Strange, our Chief Credit Officer. 00:00:53.386 -- 00:00:56.891 Palmer will begin, and then I will discuss the details of our financial results before 00:00:56.891 -- 00:01:01.764 we open up for Q&A. But before we begin, I'll remind you that our comments may include 00:01:01.764 -- 00:01:06.631 forward-looking statements. These statements are subject to risks and uncertainties. 00:01:06.631 -- 00:01:11.017 The actual results could vary materially. We list some of the factors that might cause 00:01:11.017 -- 00:01:15.403 results...