Avidbank Holdings, Inc. (AVBH) Q3 2025 Earnings Call

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WEBVTT 00:00:00.233 -- 00:00:04.278 Good morning, my name is Eric and I will be your conference operator today. 00:00:04.278 -- 00:00:08.623 At this time, I would like to welcome everyone to the Avid Bank Holdings Incorporated 00:00:08.623 -- 00:00:12.527 third quarter 2025 earnings conference call. 00:00:12.527 -- 00:00:16.452 All lines have been placed on mute to prevent any background noise. 00:00:16.452 -- 00:00:20.176 After the speaker's remarks, there will be a question and answer session. 00:00:20.176 -- 00:00:23.701 If you would like to ask a question during this time, simply press star followed by the 00:00:23.701 -- 00:00:28.246 number one on your telephone keypad. If you would like to withdraw your question, press 00:00:28.246 -- 00:00:33.332 star one again. Thank you. I'd like to introduce the presenters, 00:00:33.332 -- 00:00:38.501 Chairman and CEO Mark Mordell, Chief Financial Officer Pat Oaks, 00:00:38.501 -- 00:00:42.328 and Chief Operating Officer Gina Thomas-Peterson. 00:00:42.328 -- 00:00:44.969 You may begin your conference. 00:00:47.697 -- 00:00:52.225 Good morning. Thank you for joining us today for Avid Bank Holdings' third quarter 2025 00:00:52.225 -- 00:00:57.504 earnings call. Before we begin, let me remind you that today's call 00:00:57.504 -- 00:01:01.729 is being recorded and is available in the investor relations section of our website at 00:01:01.729 -- 00:01:03.251 avidbank.com, 00:01:03.251 -- 00:01:06.695 along with our earnings release and presentation material. 00:01:06.695 -- 00:01:11.361 Today's call contains forward-looking statements, which are subject to certain risks, 00:01:11.361 -- 00:01:15.746 uncertainties, and other factors that could cause actual results to differ materially 00:01:15.746 -- 00:01:20.952 from those disc...